vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: CA

Complaint narrative:
Procollect Inc has placed a collection account on my credit report for a debt that does not belong to me. This account is the result of identity theft. I have already provided documentation proving that I did not open, authorize, or benefit from this account. 

Despite receiving notice of the identity theft and supporting proof, the company continues to pursue collection activity and/or report this account to the credit bureaus. This is improper, as victims of identity theft are not legally responsible for fraudulent debts. Any continued reporting or collection efforts after receipt of proof is inaccurate and must be immediately ceased. 

I am requesting the immediate removal of this collection account from my credit report and confirmation that no further collection activity will occur for this fraudulent debt.

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 2026-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
This is regarding FREEDOM MORTGAGE XXXX XXXX XXXX, XXXX XXXX, FL XXXX United States | Lender XXXX XXXX XXXX XXXXXXXX I have a personal loan account with Freedom Mortgage. In XX/XX/XXXX, I updated my autopay information in the online portal to a new bank account. However, Freedom Mortgage still attempted to withdraw the XX/XX/XXXX payment from my old bank account, which resulted in a {$30.00} bank fee. 

I contacted Freedom Mortgage in XX/XX/XXXX to report this issue. At that time, I was guided through steps that were supposed to correct the problem for future payments. Despite this, the same issue occurred again in XX/XX/XXXX, and another payment attempt was made from the old bank account. 

I contacted Freedom Mortgage again in XX/XX/XXXX, at which point I was informed that the autopay needed to be deleted and re-enrolled. 
I'm attaching a correspondence letter from FREEDOM on XX/XX/XXXX that mentioned that ACH draft updated and future payments will be from this new account. 

I am requesting clarification and resolution for the following concerns : Why was the autopay not properly deleted and re-enrolled, or why was I not instructed to do so, during my XX/XX/XXXX call? 

I requested reimbursement of the bank fees incurred due to this error. 

I am now facing an additional fee for XX/XX/XXXX. What assurance do I have that this issue will not recur for XX/XX/XXXX? 

Why am I being held responsible for bank fees even after I updated my autopay correctly, verified my account, and proactively contacted Freedom Mortgage to report the issue within a reasonable timeframe? 

I am requesting reimbursement of the fees and written confirmation that the autopay issue has been fully resolved going forward.

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 2026-01-06 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: COMMERCE BANK
State: MO

Complaint narrative:
Commerce Bank improperly withdrew protected funds from my checking account using a claimed Right of Offset. 

On or about XX/XX/scrub> 2025, Commerce Bank debited my checking account with a transaction labeled Right of Offset Debit COMMERCEXX/XX/XXXX The funds taken were protected funds and are not legally eligible for offset. Commerce Bank failed to verify the source of funds prior to withdrawal and provided no contemporaneous written or emailed notice, no opportunity to dispute, and no explanation at the time of the debit. 

Commerce Banks action caused immediate financial harm and was taken without proper safeguards, verification, or legally required notice. The bank has not provided documentation explaining how it determined the funds were eligible for offset or identifying the legal authority relied upon to seize protected deposits. 

I am requesting : Immediate reimbursement of the improperly withdrawn funds A full written explanation of how Commerce Bank determined eligibility for offset Confirmation that no further offsets will occur against protected funds I believe Commerce Banks actions violate consumer protection standards, including requirements related to notice, verification, and treatment of protected funds, and I respectfully request CFPB review and intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am unfamiliar with this debt/collection and would like a debt validation letter with my Wet signature on it showing this is my debt within 30 days. If unable I would like this removed from my credit report within 30 days. The Account number is : XXXX XXXX XXXX review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: MA

Complaint narrative:
I asked for help to close the account on the app, on my web browser, via email and called the phone number ; I spoke with multiple people and no one gives me an answer, just to 'wait for an email ' when I do get an email, it's an auto-response with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: Block, Inc.
State: NJ

Complaint narrative:
I am filing a complaint regarding inaccessible funds held by Cash App ( Block, Inc. ). 
I created a Cash App account around XXXX. I stopped using the account since XX/XX/XXXX. In XXXX, I received a mailed letter sent on XX/XX/XXXX from Cash App stating that I had an inactive balance of {$380.00} associated with my account, and that if the funds were not claimed by XX/XX/XXXX, they would be remitted to the State of New Jersey as unclaimed property. 

Despite this written acknowledgment, I have been unable to access the account. When attempting to log in, Cash App indicates that the account does not exist, yet the email address associated with the account was previously flagged as already in use. A support representative later instructed me to create a new account using the same email address, but the newly created account shows a XXXX balance and does not reflect the {$380.00} referenced in Cash Apps mailed notice. 

Cash Apps email support channels state that they are unmonitored, and in-app support is largely automated and has not resolved the issue. Phone calls have not resulted in restoration of access or clarification of where the funds are currently held. I have not been able to link a bank account to retrieve or transfer these funds due to the account being inaccessible by me and by Cash App themselves. 

At this point, neither I nor Cash App appears to have functional access to the original account, yet Cash App has acknowledged in writing that the funds exist. I have also searched the New Jersey XXXX XXXX database, and the funds do not appear there.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I requested the original signed agreement or application, the complete account history, proof of ownership or assigment the original account number, the date of the first delinquency, and a full itemized balance breakdown, none was provided. Also they don't have no info about the original creditor on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
They offered low rates, I have no debt, so this is total greed, my credit score was XXXX and I got a high interest rate, already filed a complaint and they said they replied but never got a reply, I will keep filing a complaint until I get an honest answer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Southwest credit system XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX Re : Account / Reference XXXX To Whom It May Concern, I am writing in response to your attempt to collect the debt referenced above. This letter is a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( 15 USC 1692g ). 

At this time, I dispute this debt and request that you provide the following : XXXX. The name and address of the original creditor XXXX. The full account number associated with the debt XXXX. The amount of the alleged debt, including an itemized breakdown of fees, interest, and payments XXXX. Proof that I am legally obligated to pay this debt XXXX. A copy of the original signed contract or agreement XXXX. Proof that your company is licensed to collect debts in my state XXXX. The date of last activity or last payment on the account Until this information is provided, you must cease all collection activity, including phone calls, reporting or verifying this account on my credit report, or pursuing legal action. 

If you have already reported this account to any credit reporting agencies, please mark the account as disputed until validation is completed. 

This is not a refusal to pay it is a request for proof of your legal authority and the validity of this claim. 

Please respond in writing to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 non-monetary relief
Consumer complaint received 2026-01-06 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: EQUIFAX, INC.
State: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 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: MI

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 2026-01-06 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Problem with customer service — 
Company: WSFS FINANCIAL CORPORATION
State: CT

Complaint narrative:
Present-A debt collector bank i ( Christiana Trust XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ) is trying to collect an over XXXX yeer old debt from MY debt collector mortgage co ( XXXX ) Me, ( XXXX ) XXXX XXXX and ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Past- Over XXXX years ago I XXXX my house thru a foreclosure loan. I had bills I finally was able to pay except XXXX. By XXXX, I couldnt pay the last XXXX. XXXX was a XXXX bill ( XXXX ) and the other XXXX mortgage. 
Last year XXXX XXXX  bought/consolidated with XXXX and debt collectors came after me for the XXXX bill that was XXXX XXXX years old, XXXX happened, It was over XXXX years ago. 
XX/XX/XXXX Christiana Trust, XXXX XXXX XXXX XXXX XXXX XXXX and Atty Demerle Assc PC 10 City Sq Boston have delivered to my house that Im being sued and in danger of losing my house. 
First off, the debt is over XXXX years ago and second, that company XXXX mortgage never took me to court. EVER. 
They put a Lis pendens on my property. 
I do believe XXXX XXXX  is behind this. They send me stuff and email me relentlessly. 
Can an own company sue itself? 
What can I do? What should I do. 
XXXX XXXX XXXX XXXX No one has EVER bought me to court on either bill

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 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: MA

Complaint narrative:
I was in debt of XXXX because of a refund that was provided to me by XXXX but XXXX took to long so I contacted chime and chime provided me the refunded then once XXXX finally answered back and provided me the refund now chime wanted to take the money back and put me into debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: BROKER SOLUTIONS, INC.
State: SC

Complaint narrative:
I continue to receive calls and letters in the mail about signing up for mortgage insurance. I have requested multiple times to be removed and not receive any further notification from them on this offering. After many calls I went through the qualification process and declined the offered coverage due to health reasons and cost. I asked to be removed after many calls and was told they can note it but I will still receive calls. The representative I have been working with XXXX XXXX XXXX also did not disclose any costs that were later charged to me on during the closing process. I have also contacted her boss and tried her many times with no communication back during or after this process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 2026-01-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Alorica Inc.
State: OK

Complaint narrative:
I called SST on XX/XX/year> to discuss payment options or potentially lowering my interest rate as I've experienced some financial hardship over the last year. They were unwilling to offer more than a XX/XX/XXXX month delay in payments but when I logged into my account SOMEONE ELSE 'S LOAN INFORMATION POPULATED. Screenshot has been linked below. 

XX/XX/XXXXXXXX This was a loan I took out with XXXX, who closed and sold my loan to SST. SST has more than doubled my interest rate - and that's whatever, XXXX - but my bigger issue here is that I now have someone else 's name, loan information, home address, car make/model/vin..... this is clearly a breach of personal information. I am concerned that someone else may have access to my personal details. 

SST suggested that they cancel my account and have me re-register... but I don't see how that will solve the concern here. I have logged into this account numerous times over the years and NEVER seen someone else 's information. The company doesn't seem to be concerned or offering much of any resolution. 

I am concerned enough that I'm considering if a lawyer needs to be involved to ensure this doesn't happen to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I made my final payment of my loan. I was told that I would receive my title within 30-60 days. I called back the next month and was told the same thing. Finally on XX/XX/XXXX which is beyond the 60 days I was told the agent who answered told me that they did not process anything until XX/XX/XXXX ( which is 1 month and 21 days after I paid ) and my title won't be released until XX/XX/XXXX. After being transfer multiple time the supervisors did there's nothing they can do. I have lost a {$3000.00} sale because I could not get this title.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
CAINE & WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE & WEINER 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 2026-01-06 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Cordoba Legal Group, PLLC.
State: MI

Complaint narrative:
Company Name : Cordoba Legal Group Type of Product/Service : Credit Repair / Credit Services Issue Category : Credit repair services/ Misrepresentation / Fees for services not performed Complaint Description : I have been enrolled with Cordoba Legal Group for credit repair services for nearly two ( 2 ) years. During this entire period, I have paid ongoing fees with the expectation that legitimate disputes, negotiations, and corrective actions would be performed on my behalf.

Despite the length of enrollment and continued payment, there has been no measurable improvement to my credit profile. No negotiated settlements, deletions, or material corrections have occurred. In fact, my credit score has declined during my time as a client.

Cordoba Legal Group has failed to provide documentation demonstrating meaningful performance of the services promised. I have not been provided evidence of : Successful disputes or outcomes Negotiations with creditors Pay-for-delete attempts Settlements or account resolutions I have formally requested documentation of all actions taken on my behalf, including dispute records, creditor communications, outcomes, and an itemized accounting of fees paid. As of this complaint, adequate documentation has not been produced.

Based on these facts, I believe Cordoba Legal Group may be in violation of the Credit Repair Organizations Act ( 15 U.S.C. 1679 ), including but not limited to : Charging for services not meaningfully performed Misrepresenting the nature or effectiveness of services Continuing billing without demonstrable results I am requesting regulatory review, assistance in obtaining documentation, and appropriate relief, including a refund for services not rendered.

Company response to consumer: Closed with explanation