vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
I dispute the following as inaccurate and/or unverifiable : Cavalry Portfolio Services ( collection/charge-off ) Original Creditor : XXXX XXXX  Balance Reported : approx. {$2300.00} Open Date Reported : approx. XX/XX/XXXX Reinvestigate under 1681i ( a ) and delete if not fully verified. Continued reporting must meet 1681e ( b ) accuracy standards. Collector-furnished data must be validated under 1692g ( b ). 
Case Law Support : Courts hold that credit bureaus must perform a real, reasonable reinvestigation and can not merely rubber-stamp a furnisher. See XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) ( reasonable reinvestigation required ) ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ( maximum possible accuracy duty ) ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( reinvestigation must be reasonable ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ( CRA liability for unreasonable reinvestigation ) ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( inaccuracy can include objectively verifiable legal status issues ). Furnishers must also reasonably investigate disputes forwarded by a bureau. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 
Notice of Rights / Liability : I reserve the right to sue for noncompliance under 1681n1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
I am disputing this account as inaccurate and/or unverifiable : Sunrise Credit Service ( collection/charge-off ) Original Creditor : XXXX XXXX XXXX XXXX Balance Reported : approx. {$2200.00} Open Date Reported : approx. XX/XX/XXXX Please reinvestigate under FCRA 1681i ( a ) and delete if you can not fully verify. Accuracy is required under 1681e ( b ). If this is collector-furnished, validation is required under FDCPA 1692g ( b ). 
Case Law Support : Courts hold that credit bureaus must perform a real, reasonable reinvestigation and can not merely rubber-stamp a furnisher. See XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( reasonable reinvestigation required ) ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( maximum possible accuracy duty ) ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ( reinvestigation must be reasonable ) ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( CRA liability for unreasonable reinvestigation ) ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( inaccuracy can include objectively verifiable legal status issues ). Furnishers must also reasonably investigate disputes forwarded by a bureau. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 
Notice of Rights / Liability : I reserve the right to sue for continued inaccurate reporting

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 2026-01-12 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a victim of identity theft and unauthorized electronic fund transfers from my Truist checking account. Between approximately XX/XX/year>XXXX  and XX/XX/year>, my account was subjected to numerous unauthorized debit card transactions directed to XXXX, a platform with which I have never opened or authorized an account. 
These repeated XXXX transactions occurred without my knowledge or consent and resulted in my checking account being effectively wiped out and overdrawn. The activity reflects a coordinated identity theft event and not consumer-authorized use. 
Attached is a one-page transaction table listing only the XXXX debit card transactions, totaling {$9600.00}. I reported the unauthorized transactions immediately to Truist upon discover. I fully cooperated with Truists fraud and dispute process I changed all banking credentials, passwords, and home network access I am receiving identity restoration services following confirmation that my personal information was compromised in a healthcare data breachTruist issued only partial provisional credit ( two transactions totaling {$400.00}. Truist failed to provide provisional credit for the remaining unauthorized XXXX Ttransactions. Truist did not conduct a reasonable or complete investigation covering the full scope of fraudulent activitTruist effectively allowed funds obtained through identity theft to remain unreimbursed Despite extensive evidence of unauthorized activity, Truist treated this as limited fraud rather than a single identity-theft incident.Independent confirmation of fraud by another bank As part of this same identity-theft incident, two loans were fraudulently taken out in my name without my knowledge or authorization. The loan proceeds were deposited into my existing XXXX XXXX  account, which I owned but rarely used. 

I did not authorize the loans, the deposits, or the subsequent transfers of funds from my XXXX XXXX  account to XXXX. XXXX later returned the funds to XXXX XXXX. 

After investigation, XXXX XXXX  confirmed the activity was fraudulent, returned the funds to me, and closed the account due to fraud risk. This independently confirms that the XXXXrelated activity resulted from identity theft and was not consumer-authorized.

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 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: TX

Complaint narrative:
In 2023 I was scam By a company using my Cash App account. The person/company scammed me out of XXXX from my Cash App account. Due to not having enough money Cash App loses my account with out investigation. They failed to reverse the transaction and instead they closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Late XX/XX/year>, I deposited XXXX, XXXX dollars through a wire transfer from my co checking account at XXXX XXXX XXXXXXXX. To my online banking checking account with Sofi bank. On XX/XX/year>XXXX  I was notified of a transaction happening on Sofi which I didn't authorize nor recognize. I immediately called Sofi to report unrecognized unauthorized charge of {$9900.00}. 
Plus a XXXX fee total of XXXX XXXX dollars. 
I spoke with a representative and notified them.of the text requesting me if I recognized the transaction and I told them I don't and they should not allow it after placednin hold i was told that my account is restricted and will be closed. 2 weeks later im still restricted from accessing my.account. Finally I spoke with a representative and they were able to restore my.access and find that Sofi did permit the charges.i informed them were not authorized by me and. Now with my account nearly or. Completely depleted. I wanted to file a complaint but was told I had tondispute. Wire a wire that I had nothing to do with. Yet they insisted it be looked into as wire dispute which I objected to since I didnt initiate any wire. Time goes by they.inform me that the wire isn't refundable and so objected again claiming that.my funds are missing from my account which has been restricted nearly since.opening and as memory serves me it was under restriction at the time of transaction dispute. I called and requested my funds be returned due to unauthorized transaction and was told I won't be receiving any return of my funds removed illegally and then closed my account. have never made any such transaction and objected since my account was under restriction at the time.of funds improperly distributed. I asked for restoration of funds during review was denied and rejected my dispute and closed my Account. Please review and assist me with recovering my funds. I appreciate your prompt attention In this matter. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
To Whom It May Concern, My mortgage was transferred from my previous lender to Rocket Mortgage in XX/XX/year>. Upon notification, I contacted the original lender to confirm the process for updating payment information. I was repeatedly assured that no action was needed on my part and that my existing automatic payments would automatically transfer to the new lender.

My auto-pay continued to send monthly payments to the original lender. The first two payments were automatically forwarded, confirming my consistent effort to pay by the first of each month. After two months, however, this forwarding process ceased. I was not notified of this change and received no communication ( as I am not enrolled in paperless billing and Rocket Mortgage utilized an incorrect address, resulting in returned mail ).

I eventually received a call from Rocket Mortgage regarding foreclosure proceedings. I immediately took action to remedy the situation and ensure all future payments were properly directed. While Rocket Mortgage confirmed that the paper bills were returned to them due to their use of an incorrect address, they still reported this incident to my credit history.

I dispute this credit report entry. The issue was the result of Rocket Mortgage 's error in maintaining the correct mailing address, not my failure to pay. I made consistent, timely payments to the original lender in good faith. I request that Rocket Mortgage immediately remove this unfair mark from my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NY

Complaint narrative:
This letter provides formal notice of dispute and breach and demands immediate action regarding ( 1 ) allegedly improper payment processing involving a substitute check and electronic processing, ( 2 ) the closure of the referenced account despite notice of XXXX assignment and XXXX update, and ( XXXX ) PNCs continued failure to return original U.S. Treasury/U.S. Savings Bond instruments and related Trust property delivered to/processed by PNC personnel . 

This letter is not an admission of any obligation or liability. The Trust expressly reserves all rights and remedies.

Summary of Issues ( as documented by the Trust ) Based on the Trusts records and communications to date : a. PNC accepted and/or processed one or more items as a substitute check and/or via ACH and other electronic rails ( including CHIP-described processing ), despite the absence of an authorized representative endorsement/signature for the Trust. 

XXXX PNC ( through an agent/employee ) allegedly copied and processed U.S. Treasury and/or U.S. Savings Bond instruments delivered for servicing/processing, including instruments associated with XXXX XXXX XXXX  ( including XXXX XXXX XXXX and XXXX XXXX XXXX  ), and additional bonds ( collectively, the Bonds ). 

XXXX XXXX XXXX provided notice that the account and related property were assigned to the XXXX under documented trust minutes and that an XXXX change/update notice had been provided to PNC. 

d. PNC closed the account and has been non-responsive and/or has refused to provide accountability, proof of funds, supporting records, andmost importantlyhas failed to return the original Bonds and related Trust property for approximately seven ( 7 ) months.

Formal Demand : Immediate Return of Original Bonds and Trust PropertyPNC is hereby demanded to return, immediately and without condition, all original Trust property in PNCs possession, custody, or control, including : a. All original Bonds and any associated paperwork, transmittal sheets, deposit/processing records, copies made by PNC, and any medallion/witness guarantee documentation ( if any ) completed by PNC personnel ; b . Any original instruments, endorsements, affidavits, or identity/authority documents provided to PNC in connection with the Bonds or account administration.

Delivery must be made to the following address ( or to counsel if identified below ) :

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
Incident Overview : I am a user of the Coinbase Wallet ( self-custody app ). I used the app to generate a XXXX XXXX  XXXX. This address was a locally generated " XXXX '' key within the app, not derived from my XXXX recovery phrase. 

The Problem : Later on in the year, Coinbase removed XXXX support from the wallet. In doing so, they removed the user interface ( UI ) required to view or export the private key for this specific address. Because I have not uninstalled the app, the key still exists in the local encrypted storage of my device, but Coinbase 's software now prevents me from accessing it. Standard recovery phrases do not work as this was a non-HD/standalone key. 

Since XX/XX/year>, I have repeatedly contacted Coinbase Support.

Coinbases Failure : Support repeatedly misclassified my issue, ignoring the technical detail that this is a UI-lockout of a self-custodial key. 

Current Status : My assets ( XXXX  and XXXX ) are visible on-chain but remain inaccessible because Coinbase has removed the only functional method to export the private key from the apps local database. 

Requested Resolution : I am requesting that Coinbase provide a technical method to export the private key for address or provide the specific internal derivation path used for their XXXX XXXX XXXX  addresses so I may recover the funds independently.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-12 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: IL

Complaint narrative:
I am disputing the following account on my credit file as inaccurate and/or unverifiable : LVNV FUNDING LLC ( collection/charge-off ) Original Creditor : XXXX XXXX XXXX XXXX 
Balance Reported : approx. {$910.00} Open Date Reported : approx. XX/XX/XXXXXXXX  Please reinvestigate under 15 U.S.C. 1681i ( a ) and delete if not fully verified. You must ensure maximum possible accuracy under 1681e ( b ). If furnished by a collector, validation is required under 1692g ( b ). 
Case Law Support : Courts hold that credit bureaus must perform a real, reasonable reinvestigation and can not merely rubber-stamp a furnisher. See XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) ( reasonable reinvestigation required ) ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXXXXXX XXXX XXXX  ) ( maximum possible accuracy duty ) ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) ( reinvestigation must be reasonable ) ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) ( CRA liability for unreasonable reinvestigation ) ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXXXXXX ) ( inaccuracy can include objectively verifiable legal status issues ). Furnishers must also reasonably investigate disputes forwarded by a bureau. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ). 
Notice of Rights / Liability : Continued inaccurate reporting after this dispute may violate 1681e ( b ) and 1681i ( a ) and triggers liability under 1681n1681o. I reserve the right to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: TX

Complaint narrative:
I am filing a complaint regarding an unauthorized Cash App transaction that was denied despite evidence of device misuse. 
A payment was made from my Cash App balance from an XXXX that was not in my possession at the time of the transaction. The XXXX had been sent out for repair and was physically located approximately XXXX hours away from me. I did not authorize this transaction. 
Cash App denied my dispute stating the transaction originated from a trusted device. in my possession However, the login date shown ( XX/XX/2025 ) reflects when the device was first logged in, not when it was last accessed. Once I learned that I could view and log out of active devices from my phone, I immediately logged that XXXX out. I was previously unaware this was possible. 
After regaining the XXXX, I reviewed battery usage and observed that Cash App was actively used for approximately XXXX minutes during the time of the unauthorized transaction. This activity is inconsistent with my normal usage and supports unauthorized access. 
Cash App denied both the original dispute and appeal without confirming whether device location, session duration, or physical possession of the device were meaningfully reviewed. I believe this was an automated or policy-based denial rather than a full investigation. 
I am requesting that Cash App conduct a proper review of the device, location, and session data associated with this transaction and provide a clear explanation of how their determination was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I recently pulled my credit report and noticed a collections account XXXXXXXX XXXX under debt collector Transworld systems Inc. account # XXXX. Ive noticed this is the same collection that was deleted once by XXXX  & now sold to transworld. Ive never done business with transworld nor XXXX regarding this account. Please provide if all of the documentation you have stating we have done business together. Please include my official signature. If this can not be provided, Im asking for this to be deleted off my credit immediately and permanently as it is significantly hindering me from the home buying process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Activehours
State: TN

Complaint narrative:
I have used the Earin app most of XXXX, in XXXX I had used 2 {$150.00} payday loan advances and they were supposed to pay back but my actual XXXXXXXX XXXX  went into the negative and did not pay it back in XX/XX/XXXX, in XXXX of XXXX I tried to restart the app and get another payday loan to help, the account would not start stating a duplicate was activated, so I did not request anything from them and have not used the app since. On XX/XX/XXXX my full entire paycheck from XXXX was deposited into a XXXX XXXX account ending in XXXX, I called my work let then know this was fraud I do not have this bank and only bank with XXXX XXXX XXXX and have always had my check deposited there since XXXX. We investigated to find out it was the Earin app on my phone and that on XX/XX/XXXX it was linked to have my paycheck deposited, this was done by accident as the app was not working and was not very explicit in what was happening. Now as of XX/XX/XXXX my check has been deposited into their account a total of XXXX. I have reached out everyday since XX/XX/XXXX to get my paycheck returned to me correctly and am told that I need to relink and renter my bank information which was done 5 times, I have been told I need to show them my paycheck they do not see the deposit coming in, I have many screenshots to show they do. I am told I owe them XXXX which leaves me over XXXX dollars still owed to me and they will not give me my money that I worked for and did not approve to go to their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
UGENTUnauthorized Withdrawals XXXX Wells Fargo Account Number XXXX Account Closed0Balance I am submitting a Complaint about four unauthorized In-Branch withdrawals totaling {$10000.00} on my Wells Fargo savings account ( XX/XX/XXXX at XXXXXXXX XXXX for XXXX at XXXXXXXX XXXX for XXXX, XX/XX/XXXX at XXXX XXXX I did not authorize those withdrawals. The fraud department claimed there were made with my debit card but I do not have a debit card only a ATM card. XXXX branch manager stated the times were incorrect while the XXXX XXXX manager confirmed the times are correct and can not show a different time zone. Wells Fargo has closed my account shut down my online banking app my calcinations shows thousands of dollars missing. My ending balance does not match the deposits and withdrawals records. Showing that my account was not properly reconciled.

. I Request Immediate revestgation, reimbursement of XXXX a written commitfimation of findings.I already contacted well Fargo directly but they have not resolved this issue so Im submitting this complaint to XXXX  for assistance

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 2026-01-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo is vindictively procrastinating on sending out the necessary Loan Modification Documents after already knowing of an important deadline on XX/XX/year>.

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 2026-01-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I had got a copy of my credit report and found out that a bill from XXXX was on my credit report that I did not owe.The amount was {$1200.00} that I did not owe tried to call the company to get proof that they had accurate information and they told me they dont have the date that the original money was owed but on my credit report it got XX/XX/year>XXXX XXXX

Company response to consumer: Closed with non-monetary relief