vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Accelerated Portfolio, Inc.
State: TX

Complaint narrative:
Received a voicemail from someone claiming to be a process server ( stating if he couldnt reach me at home he was required to reach me at work and get my manager and supervisor to witness me being served I have this in a voicemail. ) but when I returned the call it went to a call center where they claimed to be a mediator for the original creditor. I was repeatedly taunted by the individual on the phone telling me how broke he thought I was, called me brokey several times. Told me that my credit would be ruined, and then began mentioning vehicle makes and models we have had registered in our name at one time or another and saying this is going to be fun as if they were threatening to take the vehicles. Text received later shows it could either be XXXX XXXX or accelerated portfolio inc

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: VA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: MO

Complaint narrative:
I noticed on my XXXX XXXX XXXX on XX/XX/26 there were 6 unauthorized transactions from XXXX XXXX for {$64.00} totaling {$380.00}. I immediately contacted XXXX XXXX and cancelled the card and requested a new one, filed a dispute and emailed all the information on the charges on XX/XX/26, I immediately tried to contact XXXX XXXX but there is no phone number you can call only email customer service. I have responded everyday to both XXXX XXXX and XXXX XXXX to handle this situation. It has now been 24 days and XXXX XXXX has a 100 % refund policy within 10 days for unauthorized charges back to your account that has not been done. This is the 3rd time I have had to file disputes with XXXX XXXX for fraudulant charges that I have had to fight and fight with to get my money credited and they dont respond. I am on Social Security and this company is a fraud for social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: FL

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 w ithin the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
Servicer : New American Funding. Foreclosure sale scheduled XX/XX/XXXX. On XX/XX/XXXX at XXXX XXXX, servicer representative " XXXX '' refused to provide a payoff statement, refused to transfer to a supervisor, and disconnected the call. Servicers are required to provide payoff statements under RESPA ( 12 U.S.C. 2605 ). On XX/XX/XXXX, a RESPA Request for Information and Notice of Error was mailed via Certified Mail. Servicer acknowledged receipt by phone on XX/XX/XXXX but failed to respond in writing within required timeframes. Borrower submitted a complete loss-mitigation application on XX/XX/XXXX via Certified Mail with Return Receipt. Servicer continued foreclosure proceedings without issuing a written loss-mitigation decision, in violation of 12 C.F.R. 1024.41. The VA contacted the servicer on XX/XX/XXXX and XX/XX/XXXX regarding foreclosure status and received no response either time. On XX/XX/XXXX, servicer stated by phone that no foreclosure sale date was scheduled and account was under review. Borrower requested written confirmation - none was ever received. On XX/XX/XXXX, borrower received a Notice of Sale scheduling foreclosure for XX/XX/XXXX. The loan modification offered included a higher interest rate and larger monthly payment than the original loan. A previous CFPB complaint was closed based solely on the servicer 's response without independent investigation. This complaint documents ongoing and additional violations including today 's payoff refusal the day before the scheduled sale. Borrower is a veteran with a VA-guaranteed loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: VA

Complaint narrative:
I contacted Sallie Mae on XX/XX/year>, to inquire about my loan status. On XX/XX/year>, I completed an online deferment application that was sent to my email and clearly labeled Deferment Application. After submitting the form, I was informed by the representative that I had completed the incorrect application, despite the fact that it asked whether I was a current student, which I am. During the call, I explained multiple times that I am currently unable to make payments because I am enrolled in school ; however, my concern did not appear to be acknowledged, and I was repeatedly asked the same question. The representative stated that the matter would be reported to the credit bureau and that no options were available if payment was not made. I am also receiving daily phone calls and emails directed to both me and my cosigner, which is causing significant distress. I am unsure how to proceed regarding the frequency of these communications.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX fuses to verify and send me the verification of how they verify that this get his mind and refuses to remove it from from all of my credit report. I am a victim of identity theft my identity and stuff was leaked on the XXXX XXXX and I have also filed a case of identity theft and portfolio. Recovery is on the list. I need them to remove this ASAP because they can not prove it is my debt they can not validate a debt theyve had 30 days to validate the debt and still has they sent it to some other company trying to get money from me and threatening calls in Texting and emails I am not paying them a dime this is not my debt. Im not paying needs to be removed ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX, I was the victim of a five- hour imposter scam. The caller claimed to be from XXXX and kept me on the phone directing me between stores. I was frightened and manipulated. Although I did use a different card under coercion, I did NOT use my Target Circle Card, That card remained in my possession at all times and was never presented or entered by me. XXXX transactions totaling about {$3000.00} were charged to my XXXX XXXX XXXX without my authorization. TD Bank denied my claim citing Targets card return policy. This is not a return dispute it is unauthorized use under Credit Billing Act. I am requesting documentation showing that I authorized use of my XXXX XXXX XXXX without. If no proof of authorization exists, these charges should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC
State: OH

Complaint narrative:
They had a XXXX party call me today, said they were from ordinance and threatened me. Said if I didn't pay today they were going to sue me and it would go on my record. Also said that since it would be on my record I would have a hard time getting a job. Told me I would owe XXXX if I didnt pay today. Here is the number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: TX

Complaint narrative:
Company : XXXX Complaint Type : Problem with a money transfer or deposit Description of Complaint : My XXXX business account was frozen on XX/XX/XXXX. A review was completed, and I did not violate any policies or procedures. The suspension was lifted on XX/XX/XXXX, and I requested that the account be closed. At the time of closure, my account had a balance of {$2400.00}. XXXX issued a final statement showing a payment to XXXX rather than transferring the funds to my personal account. I was originally told my funds would be disbursed on the XXXX of XXXX, XXXX. But nothing happened. I have complied with all requests, responded promptly to communications, and allowed XXXX to complete its review. Despite multiple escalations and calls to customer service, I have not received my funds, and XXXX has not provided a definitive disbursement date. A representative told me my funds arent on hold but they were sent as a payment to XXXX to transfer to my personal account which has yet to happen. I am requesting immediate action to release my funds and a clear timeline for disbursement. If this matter is not resolved promptly, I will escalate further with regulatory authorities.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I am filing this complaint against Credit Collection Services for failing to validate a debt and reporting incomplete information. On XXXX XXXX, 2025, I sent a formal Debt Validation Request via Certified Mail regarding this account. I have confirmed this date via my bank records, which show a {$14.00} transaction to XXXX for the certified mailing on that day. Under the FDCPA, the agency is required to provide verification of the debt upon written request. It has been over seven months, and the agency has completely failed to respond to my request or provide any evidence of the debts validity. Despite their failure to validate, they continue to report this derogatory item to my credit file. Furthermore, the reporting is inaccurate and incomplete ; my credit report shows multiple critical fieldsincluding 'Account Type, ' XXXXCredit Limit , ' and 'Date of Last Payment'as 'Not Reported. ' Because Credit Collection Services has ignored my legal request for validation and is reporting incomplete data, I am requesting that this entire trade line be immediately and permanently deleted from my credit file. Additional information provided by consumer : XXXX2026 The consumer is wanting to fie the complaint with the debt collection agency name CCS Companies phone number : XXXX address : XXXX XXXX XXXX XXXX MA. 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 2026-03-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
EVERYTIME I try to log onto the XXXX XXXX account. I am UNABLE to login. I enter all the correct information and makes me restart the whole process again after saying my information is incorrect or my account already exists. I am EXTREMELY frustrated with this terrible unprofessional service. I am UNABLE to manage my money. I waste time and effort trying to log into my account and access my benefits. Customer service is of NO help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: NY

Complaint narrative:
In XX/XX/year>, I began contacting Credit Karma regarding an authentication issue preventing me from accessing my Credit Karma Money account. My phone number is currently attached to a different users account in their system. Because of this, I am unable to complete identity verification and log in to access my funds, including a recently deposited tax refund. I have verified my identity multiple times through customer support and have been provided multiple case numbers. Representatives have confirmed that : The issue is internal. A separate team must remove my phone number from the other account. My case is pending review. No specific timeframe can be provided. Despite repeated contact and escalation requests, the issue remains unresolved. I requested a concrete timeline and written confirmation of escalation but was told only to wait for another department due to high case volume. This has prevented me from accessing my funds and managing my account. I am requesting immediate removal of my phone number from any account that does not belong to me, restoration of full access to my account, and written confirmation once resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing a complaint regarding Capital One 's handling of credit card dispute. I purchased a refurbished iPhone advertised as an iPhone 14 ( Midnight color ) through XXXX XXXX XXXX from a third-party seller. I received an incorrect device ( different model and color ). The seller acknowledged the error and issued only a partial refund, then later refused to accept a return or provide a full remedy. I timely submitted evidence to Capital One, including order details, photos of the incorrect device, screenshots of seller communications and documentation of the defective condition ( battery health at 81 % ). Capital One closed my dispute stating that I did not provide sufficent information, despite my submissions, and later informed me I could not open an appeal due to an expired internal timeframe. Capital One did not provide any clear or reasonable method for submitting a written explanation within their app and closed the dispute on procedural grounds rathe than reviewing the merits. I am requesting that Capital One be required to reopen and properly review this dispute for merchandise not as described and merchant refusal to resolve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-02 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: TX

Complaint narrative:
Experian has not fulfilled its legal obligation under the Fair Credit Reporting Act to conduct a reasonable investigation of disputed information on my credit report. I requested documentation of original agreement 's to verify amounts due. The CFPB has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. This failures align with my experience where Experian has neither corrected not removed disputed items despite my request for original signed legal agreements. I am requestion action to remove disputed accounts I feel Experian 's actions violates federal law and my rights as a consumer. Account : XXXX XXXX XXXX : amount : XXXX no account number provided through Experian or original collector.

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