vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-24 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: CA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I am filing a complaint regarding my mortgage servicer, Newrez, and their mishandling of my homeowners insurance escrow payments between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, an insurance carrier, XXXX, sent a cancellation notice to Newrez with an effective cancellation date of XX/XX/XXXX. This document was sent to the correct address and matches the address used on other insurance correspondence that Newrez successfully received. Newrez later confirmed they received renewal documents from XXXX XXXX in XX/XX/XXXX and again in XX/XX/XXXX, but the premiums were never paid from escrow. As a result : The XXXX XXXX policy was canceled on XX/XX/XXXX due to non-payment My home was without insurance coverage for a period of time I lost renewal eligibility and policy discounts I incurred additional out-of-pocket costs to reinstate coverage I experienced significant emotional distress and confusion because I was told multiple policies existed when in reality no active coverage was in place Newrez has stated that XXXX did not receive the XXXX cancellation notice until XX/XX/XXXX and is using this claim to deny responsibility. This statement appears to be incorrect because the cancellation notice was originally sent on XX/XX/XXXX. Before filing this complaint, I attempted to resolve this matter directly with Newrez by contacting them multiple times and submitting a formal written dispute through their official system. However, based on the responses I have received, I do not feel that my concerns are being taken seriously or fully investigated. The responses provided so far do not address the timeline discrepancies or the failure to disburse escrow funds that led to the lapse in coverage. Because the issue remains unresolved, I am requesting assistance from this agency to ensure the matter is properly reviewed and corrected. This servicing failure resulted in an avoidable lapse in insurance coverage and financial harm that I believe could have been prevented with proper escrow servicing. I am requesting the following from Newrez : Written documentation showing when the XXXX cancellation notice was received and logged Copies of all insurance-related correspondence in my file Copies of the midterm policy change notification referenced in Newrezs letter A written explanation of how Newrez determined that no error occurred Confirmation that no force-placed insurance was applied Correction of escrow and insurance records Reimbursement or compensation for increased premiums and out-of-pocket costs caused by the lapse in coverage

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: TX

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 ) XXXX, 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 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/year>, I attempted to withdraw {$3000.00} of my own available funds from Wells Fargo. My account showed {$3100.00} fully available, and the deposited check had cleared two days earlier. At two separate branches, Wells Fargo refused the withdrawal, stating only that the system showed : Not recommended to proceed with transaction. I provided valid ID, authenticated using the Tap feature, and confirmed the transaction. Despite this, I was told I must use an ATM, which is limited to {$1000.00} per day. At the second branch, the XXXX implied I might be committing fraud by shrugging and gesturing maybe in front of other customers. After the incidents, I contacted Wells Fargos Fraud Department, Claims Department, and Customer Service. All confirmed : No fraud alerts No account restrictions No reason for denial No legitimate explanation for the system message North XXXX XXXX XXXX, XXXX, prohibits unfair or deceptive business practices and is broadly applied to protect consumers from unethical conduct by businesses, including financial institutions. [ XXXX ], [ XXXX ] Harm Experienced : Denial of access to my own funds Public implication of fraudulent activity Emotional distress ( I have XXXX, XXXX XXXX XXXXXXXX under XXXX accommodation ) Safety concerns due to being forced to use an ATM for large withdrawals Lost time, disrupted medical appointment, and significant personal distress

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 2026-02-24 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: MS

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 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: RI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate action for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: CATHAY BANK
State: NV

Complaint narrative:
XXXX XXXX pushed a loan through we didnt qualify for. And, her husband the real estate agent lied about the business. As a result, we over paid about a XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: OK

Complaint narrative:
I use my Cash App account strictly for personal purchases such as food and shopping. My account was permanently deactivated for alleged Terms of Service violations, but I have not received a clear explanation of what specific activity caused this decision. I previously submitted an appeal through the app and received no detailed response. I am requesting a formal review and written clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: FL

Complaint narrative:
CREDIT COLLECTION SVCS is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SVCS 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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: MN

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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company 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 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I called the collector and asked for a pay for delete, the women I was speaking with said I had to pay before receiving the letter. I told her that makes no sense because then I have no proof of the promise to delete. She was rude and said she's not going to do that. I want to take care of the debt but will not be paying before agreeing upon the amount owed and promise to delete after amount paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTECH DIVERSIFIED, INC.
State: TX

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 ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: Westlake Services, LLC
State: PA

Complaint narrative:
XX/XX/year> the car was repossessed and I paid the amount now Im being charged again and nobody can explain to me why Im being charged twice

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: MO

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 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: CA

Complaint narrative:
I disputed charges with Bank of America for services that were not properly delivered due to access restrictions and technical issues. The merchant claims a cancelled withdrawal proves services were provided and cites their refund policy to deny my claim. However, XXXX reviewed identical transactions, evidence, and dispute reasons involving the same merchant and resolved the matter in my favor. I am concerned that Bank of America is not following fair dispute and card network guidelines, as similar claims should be evaluated consistently across financial institutions.

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 2026-02-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MA

Complaint narrative:
My account of events begins in early XXXX, following an initial contact on the dating platform XXXX by an individual operating under the alias XXXX. This engagement evolved into a complex XXXX XXXX characterized by sophisticated social engineering and emotional manipulation. The subject cultivated a relationship of trust with me, substantiating his fabricated persona through the provision of falsified identity documents, including a purported passport and personal photographs. Our correspondence was predominantly conducted via electronic mail, with the subject utilizing the addresses XXXX and XXXX. Following an extended XXXX period, the subject solicited financial assistance from me under fraudulent pretenses. Consequently, I authorized an initial remittance from my XXXXXXXX XXXX account, followed by a series of subsequent wire transfers to various XXXX beneficiaries, resulting in a total cumulative financial loss of approximately XXXX {$230000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: Concord Servicing Corporation
State: CO

Complaint narrative:
I would like some help getting to the bottom of a situation with XXXX XXXX relating to my XXXX that I have been trying to cancel with XXXX XXXX XXXX. This has been dragging on since XX/XX/year>, and I feel like Im hitting a wall with them. In XXXX, I sent them a formal letter disputing the debt and asking for proper verification. In response, they just sent over some contract info and a letter from the timeshare company, which doesn't actually prove the debt is valid or accurate or that they can collect it. I followed up again in XXXX with another letter specifically asking for validation, but they haven't bothered to respond to that one at all. At this point, theyve completely failed to validate the debt as required in the Fair Debt Collections Practices Act, yet they haven't confirmed they've closed the file. I am demanding that XXXX XXXX stops all collection attempts immediately and ensures this is not reported to any credit bureaus. Beyond that, I want them to communicate back to XXXX XXXX XXXX that we are seeking to cancel our ownership entirely. We were misrepresented during the initial purchase and honestly felt taken advantage of, which is why we are trying to cancel our ownership in the first place. Im hoping the CFPB can help hold them accountable for their lack of communication and their failure to follow proper validation procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit file regarding my XXXX credit card account issued by Bread Financial. My credit reports currently reflect that this account is XXXX. However, upon contacting Bread Financial directly, I have been informed that the account is not open and is in a frozen status. This presents a material inconsistency. An account can not simultaneously be reported as open to consumer reporting agencies while the furnisher represents to the consumer that the account is not open. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of information have a duty to report accurate information. If the account has been closed or charging privileges permanently suspended, the reporting must accurately reflect that status. I am requesting that this account be investigated and corrected to reflect its true and accurate status. If the account remains open, then confirmation of that fact should be provided in writing. I have made a payment on XX/XX/year> for the full amount of {$180.00}, on XX/XX/XXXX they issued me a credit in the amount of {$2.00} for additional finance charges that were attached to the {$180.00} payment. Which leaves my account to have a XXXX balance. Upon speaking to customer service and supervisors multiple occasions I have been told that I have been delinquent in paying my XXXX and XXXX payment however, I did make my XXXX payment on the XXXX as stated above and they are stating that they froze my account on XX/XX/year>. I asked them if I was notified in any way that this was going to occur they told me that a letter was sent. I explained to them that I did not receive it and if they could please resend the letter I was told multiple times no. They told me it would take XXXX billing cycles for my account to be reviewed to make sure that I was making payments on time my account has a XXXX balance as I paid it in full when I contacted them today, XX/XX/year>. I am now being told that it could take up to XXXX Billing cycle not XXXX. XXXX getting very conflicting information and I feel that something is very wrong. nobody is willing to provide me any information or the documentation that they proclaim was sent.. Please conduct a reasonable investigation and provide written confirmation of the results within the statutory timeframe. Technically, if theyre stating they froze my account on XX/XX/XXXX due to nonpayment my XXXX account is due on the third of every month. I paid them off in full on XX/XX/XXXX. Something is not right. Please look into this for me as I am receiving the runaround and I just want my account unfrozen as I believe this was done prematurely Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief