vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
A refund check payable to me in the amount of {$5200.00} was stolen from the mail and fraudulently deposited into a Bank of America account on XX/XX/year>. The check bore a forged endorsement of my name written in all capital letters. 

I never received or authorized the check. I opened a fraud claim with Bank of America on XX/XX/year> for forged endorsement. Despite providing documentation, including a copy of the check and police and USPS reports, the matter has not been resolved and the funds have not been returned to the issuer. 

Bank of America accepted a check payable to me without proper endorsement verification and has failed to timely complete its forged-endorsement investigation. 

This delay has prolonged my financial loss and prevented resolution with the issuing bank.

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 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
Product : Money transfer Issue : Transfer delayed/ not received Company : Wise US Inc . 

Wise initiated a recall on XX/XX/XXXX for transfer # XXXX ( USD XXXX ) due to incorrect recipient account details. 
Wise confirmed that recalls take up to 3 months. 

As of XX/XX/XXXX, more than 90 days have passed : - no refund has been received, - no status update was provided, - Wise has not confirmed where the funds are currently held. 

The recipient bank confirmed that the funds were not credited and must be returned to the sender. 
I request CFPB assistance to compel Wise to provide a formal SWIFT status and complete the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I am writing to formally request that you cease all communication This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), which provides me with the right to request that you stop contacting me. 

Please be advised that I am aware of my rights under the FDCPA, and I expect you to comply with this request immediately. Any further contact from your agency, except as allowed under the FDCPA to inform me of specific actions being taken, will be considered harassment and a violation of federal law. 

I also request that you provide any written documentation regarding the alleged debt you are attempting to collect. While I understand my responsibilities, I will not tolerate any form of harassment or unethical practices in your collection efforts. 

Please confirm in writing that you have received this letter and will comply with my request. Failure to do so will result in me filing a complaint with the Federal Trade Commission and the state attorney generals office. 

Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
I had a mortgage with PennyMac. XXXX bought the loan or bought pennymac, Im not sure but in the process of transferring the loan, my credit score went down 20 points. Because I guess the loan was paid off according to pennymac? Even though my mortgage was just transferred to a new company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I am submitting this complaint regarding Midland Credit Management , Inc . 

I have never entered into any contractual agreement with Midland Credit Management, nor have I acknowledged or assumed liability for the alleged debt they are attempting to collect and report. 

On XX/XX/year>, I sent Midland Credit Management a written Cease and Desist Notice pursuant to 15 U.S.C. 1692c ( c ), instructing them to cease all communication with me regarding this alleged account. 

Despite this written notice, Midland Credit Management continues collection activity and credit reporting without demonstrating verifiable authority to report or collect this alleged debt in compliance with the Fair Credit Reporting Act. 

I am requesting that Midland Credit Management comply with federal law, cease all collection activity, and remove any unverifiable credit reporting associated with this alleged account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and applicable consumer protection laws regarding inaccurate credit reporting by Capital One.

I made my required payment on this account before the billing cycle closed, in a timely manner and in good faith. Capital One is asserting that the payment did not post to the account on time ; however, this assertion is inaccurate. At the time I submitted the payment, Capital One was experiencing a system-wide outage that affected payment processing both online and through customer service representatives. The payment delay was the result of Capital Ones internal system issuesnot any failure or delay on my part.

Despite my timely payment made one day prior to the billing cycle, Capital One prematurely charged off my account. I disputed this matter directly with Capital One and requested a review and correction, but I received no response.

Capital Ones failure to properly credit a timely payment and its continued reporting of a charge-off that does not reflect the true account activity violates its obligations under the Fair Credit Reporting Act to ensure accurate reporting and to conduct a reasonable investigation of disputed information. 

This inaccurate and premature charge-off has caused significant and unjust damage to my credit, despite my consistent monthly payments and proactive efforts to remain current and prevent charge-off. 

I am requesting that the CFPB require Capital One to conduct a full investigation, provide a formal written response, and correct any inaccurate reporting related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: DC

Complaint narrative:
I sent XXXX dollars on cash app to the wrong person and want a refund. I requested a refund and never got it back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
A XXXX payment sent to me on XX/XX/XXXX was rejected by Chase. The sender has not received the funds back, and Chase refuses to trace or resolve the missing EFT, stating incorrectly that electronic payments can not be recovered. This is an unresolved EFT under Regulation E. A second XXXX payment on XX/XX/XXXX was also rejected. I am requesting a full investigation, trace, and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: NV

Complaint narrative:
I am writing to formally request that you cease all communication This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), which provides me with the right to request that you stop contacting me. Please be advised that I am aware of my rights under the FDCPA, and I expect you to comply with this request immediately. Any further contact from your agency, except as allowed under the FDCPA to inform me of specific actions being taken, will be considered harassment and a violation of federal law. I also request that you provide any written documentation regarding the alleged debt you are attempting to collect. While I understand my responsibilities, I will not tolerate any form of harassment or unethical practices in your collection efforts. Please confirm in writing that you have received this letter and will comply with my request. Failure to do so will result in me filing a complaint with the Federal Trade Commission and the state attorney generals office. Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
This is a notice regarding inaccurate information that continues to appear on my credit file. You have failed to properly verify the following accounts under FCRA 609, 611, and 623, which requires all reporting to be accurate and fully verifiable. To date, you have not provided : Proof of verification Documentation from the furnisher Contact details of the person who claimed to verify, Any evidence showing the information is correct If these accounts can not be verified with original documentation, they must be deleted immediately. This is a lawful request for compliance with federal law. A verified response without proper documentation is not a lawful verification. 

Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must report information that is complete and accurate. A signed application does not verify : The accuracy of the balance you are reporting The full itemized payment history The calculation of the alleged past-due amount The chain of custody, especially since you referenced That all reporting complies with FCRA and the XXXX guidelines2 .

I NEED PROOF. IF YOU SEND ANYTHING OTHER THAN WHAT I ASK FOR, I WILL BE GOING TO THE ATTORNEY GENERAL. 

-Proof that your company carries a bond. 
-Proof of how your company assessed the outstanding debt. 
- Payment history from the original creditor. 
- Name and address from the original creditor. 
-Copy of the original contract bearing my signature. 
- Chain of title on this debt. 
-Proof that you can collect this debt from me -Do you own it, or is this debt? 
-Copies of all letters sent to the original creditor. 
- How much did you buy it for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
For some strange reason Navy federal all of the sudden can't have phone calls over the phone with me even though I'm XXXX and can't always make it to a branch do to my XXXX and I feel like Navy federal just stole my money and embezzled it and the employee become silent silent and didn't know what to say when asked normal XXXX questions you guys are going against state and federal laws as well as the UNRuh Act and the ADA Act someone keeps moving my transactions keep being moved around which your not sappose to be able to do according to the fair and accurate transaction Act!! please take me seriously and give this XXXX adult child back her money and I'm unsure why I lost access to the phone that makes zero sense!!!!!! That would be like a reasonable accommodation when because I unfortunately can't write like other people do to my 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 2026-01-09 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XXXX XXXX XXXX, I attempted to book a hotel reservation and received a fraud alert stating the charge was declined. Believing the reservation failed, I immediately made a second booking for the same stay. Both charges later posted, resulting in a duplicate charge of {$2400.00}. After discovering the duplicate, we contacted the hotel directly and explained that the second booking was made only because of the fraud-decline alert, but the hotel refused to cancel or refund the duplicate charge. I then disputed the duplicate with Barclays. Barclays denied the dispute after accepting the merchants response, but neither the merchant nor Barclays addressed the fraud-decline alert that caused the duplicate booking. This was a processing error caused by issuer fraud controls, not an intentional second purchase.

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 2026-01-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: FL

Complaint narrative:
I filed for bankruptcy in XXXX 2025, and AES I thought put a stay on my account, while because when I logged in to check the status, it said that the account was in bankruptcy status and no payments were due at this time, or so it said on the website. I found out however once my bankruptcy was completed in XXXX of 2025 that they actually defaulted my student loan while I was in a federally protected court order.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding LLC purchased an old debt from XXXX XXXX XXXX XXXX back in 2016. It then tried to collect the debt, I sent them the cease and desist letter because the debt already passed the Statue of Limitation in California, and they could not validate the debt. They never responded to my validation of debt or showing no proof that they own the debt or I owe the debt. Then LVNV Funding LLC sold the debt to resurgent capital services. They have been trying to locate in multiple location. They would not stop sending me letter and make a lot of phone calls when I requested them to stop. They even sent me a letter which I uploaded in the attachment session below. In the letter they stated that they will try to collect regardless of what the laws say because they know they can't sue me and they can't report me to any credit agency. This is an act of harassment because they don't follow the laws but trying to disturb my personal life.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc.
State: CA

Complaint narrative:
OK, so basically I cant make any purchases on my Cash App card because I was being a stupid person and forgot my pit so I tried to change it and I put forgot my pin I put in my email. I got the code and its telling me to contact support and I just cant and its not working and I just genuinely cant use my card to make any trend transactions and I just want to change my pin so I can

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
XX/XX/scrub>XXXX Southwest Credit System XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Re : Account Number : Debt Amount : {$2100.00} To Whom It May Concern : I am writing in response to your communication regarding the debt referenced above. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g, I formally request that you provide me with validation and verification of this debt.

Please provide me with the following information : 1. The name and address of the original creditor.

2. Documentation verifying that you are licensed to collect debts in my state.

3. An itemized accounting of the debt, including : The original principal amount.

A detailed breakdown of all interest, fees, and charges added.

The original date of the debt or date of last payment.

4. A copy of the original signed loan agreement, credit application, or contract that establishes my liability for this debt.

5. Proof that you have the legal right to collect this debt, including a chain of title demonstrating how the debt was transferred to your company. 
6.The Specific date of the original delinquency that led to this collection. 
Be advised that I am also requesting that you cease all telephone communication regarding this debt. All future communications must be in writing and sent to the address listed in this letter. 
This is a formal request for validation and verification of the debt. 
Until you provide the requested information, please note that the FDCPA requires you to cease all collection activities. If you can not provide the validation as required by law you must cease all collection activities immediately, including reporting this inaccurate information. 
You must also notify the credit bureaus to delete this account from file. 
This is a request for validation and dispute of debt, not an acknowledgment of the debt. ALL communications regarding this matter should be in writing. 
I await your prompt response. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Lending Services Inc.
State: CA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is si

gned by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. Resolution? ( Copy & paste this
statement ) I demand this company to delete this account from all 3 credit reporting agencies or I will have no choice but to forward this to my litigation attorney.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: HI

Complaint narrative:
I have emailed Avant a total of four times regarding this matter. My first message to Avant was sent on XX/XX/XXXX ; my most recent was sent on XX/XX/XXXX. In all, I have not received anything but a generic reply stating 'We are reviewing your account and will respond to your request as soon as possible. It should not take 12 days for Avant to not reply and take no action- this is entirelyunacceptable. 

I was charged {$25.00} on XX/XX/XXXX through an extraneous autopayment -- a form of payment that I had previously neither set up nor authorised. 

I had made two previous payments in the month of XXXX totalling {$210.00} ( XX/XX/XXXX : {$110.00} ; XX/XX/XXXX : {$100.00} ) to cover my minimum required. 

Again, the autopay charge of {$25.00} applied on XX/XX/XXXX that I did not setup or authorize is completely unacceptable and very likely illegal. 

Even if I had setup an autopay option ( which I categorically did not ), any XXXX autopayment should have been nullified on account of having already made payments of {$210.00}. As this unauthorised payment was not planned, I ended up going overdrawn and incurred a {$30.00} fee from my bank as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I sent an international wire on XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, the intermediary bank ( XXXX  XXXX XXXX ) sent an information request ( RFI ) for the beneficiary 's legal name and DOB. Wells Fargo failed to notify me of this request for over two weeks, causing the wire to sit in limbo for 30 days. 

On XX/XX/XXXX, the beneficiary bank voided the transfer. On XX/XX/XXXX, XXXX  XXXX XXXX released the funds back to Wells Fargo ( XXXX : XXXX ) I have contacted the wire department multiple times and received conflicting information. Despite a XXXX release date, the funds are not in my account. I have an internal escalated complaint open ( Case # XXXX ), but the bank has failed to locate the funds in their settlement system.

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 2026-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am submitting to formally dispute several inaccuracies that appear on my Equifax, TransUnion and Experian credit report. Upon reviewing my most recent disclosure, I have identified multiple accounts that are inaccurately reported as late or misrepresented in their status. These inaccuracies misrepresent my creditworthiness, create confusion in my financial records, and may negatively affect my ability to access credit. I am requesting a thorough reinvestigation of each disputed account and that any information that can not be fully verified be updated or corrected, in accordance with the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i Dispute Inaccurate Information with Credit Bureaus, 15 U.S.C.

1681e ( b ) Maximum Possible Accuracy, 15 U.S.C. 623 ( a ) ( 2 ) Duty to Correct and Update, and 15 U.S.C. 1681g Right to Full Disclosure. 

XXXX XXXX XXXX XXXX XXXX Balance : {$7.00} XXXX  XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX Balance : {$4300.00} DEPT OF XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$1900.00}

Company response to consumer: Closed with non-monetary relief