vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 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: Conduent Incorporated
State: NV

Complaint narrative:
My unemployment benefits were sent to an old bank account that I no longer have access to, even though I updated my direct deposit information at the start of my claim with the correct account. I did not authorize my funds to be sent to or used by this old account. The funds were deposited into a charged-off XXXX XXXX account and were immediately removed through an adjustment, leaving me with no access to the money. I contacted the companies involved to locate my funds and was told the payment was processed through Way2Go using outdated information. This caused me to lose access to my unemployment benefits entirely. I am experiencing financial hardship as a result, with rent due within days, and I need the funds returned or credited back to me immediately. I am requesting that the funds be recovered and that my correct banking information be used for all future payments. Screenshots include : CORRECT ACCOUNT AS PER DETR UNEMPLOYMENT INSURANCE ending in : Acc # : XXXX XXXX connected to debit card ending in XXXX XXXX INCORRECT ACCOUNT : XXXX XXXX Charged off ending in INCORRECT ACCOUNT # : XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: CA

Complaint narrative:
Made a hotel reservation XX/XX/2025 and asked over the course of 7 months for a late check-in with no answer from the property. 3 days prior to my travels they answered saying I was outside of the cancellation window and there was no late check in. My flight was not arrived till XXXX hours after checking. XXXX proceeded to cancel my reservation all together and aligning with the property stating that I would get no refund. I reached out to cash app where I made the payment from and they are also refusing to refund because they have a 60-day look back window. That window should not apply to instances of travel because there was no way for me to know in this case by the beginning or middle of XXXX that this was a fraudulent company that was completely waiting out the time so that they could attempt to keep my money. Nobody is accepting responsibility and I need my {$490.00} back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: Netspend Corporation
State: MO

Complaint narrative:
b'Disputed Claim\n\n\nUnauthorized\n\nClaim #: XXXX\n\nWe are currently reviewing this claim. This review could take up to 45 or 90 calendar days from the date of your initial notice to us, depending upon the type of transactions being disputed.\n\nDISPUTED TRANSACTION\n\nCredit: PIN purchase from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Signature purchase from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Signature purchase from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX: Signature purchase from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PIN purchase from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PIN purchase from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Signature purchase from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Signature purchase from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Signature purchase from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Signature purchase from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Signature purchase from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX: Signature purchase from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Signature purchase from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATM Cash Withdrawal at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATM Cash Withdrawal at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AZ

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI

Complaint narrative:
I am a borrower with a XXXX FHA Recovery Modification finalized in XX/XX/XXXX ( see Modification Cover, p. XXXX, and Modification Agreement, attached ). As a condition of this modification, my previous servicer, XXXX XXXX XXXX XXXX XXXX ), established a XXXX escrow shortage repayment plan ( $ XXXX ) to ensure my " Target Monthly Payment '' met HUD-mandated affordability tests. This term was an integral, non-negotiable component of the FHA-insured modification. On XX/XX/XXXX, Select Portfolio Servicing ( SPS ) assumed servicing of my loan. In XX/XX/XXXX, SPS sent me an escrow analysis that ignored the XXXX repayment term and unilaterally doubled my escrow payment. On XX/XX/XXXX, I submitted a formal Notice of Error ( NOE ) under 12 CFR 1024.35 stating that SPS, as a Transferee Servicer, is bound by the terms of the modification I inherited ( see Notice of Error, attached. HUD Handbook 4000.1, Section III.A.1.b, details the servicing responsibilities mandated for FHA-insured mortgages, and as a successor servicer, SPS is required to honor the terms of the FHA-insured Loss Mitigation agreement that was legally executed in XX/XX/XXXX. By attempting to modify the escrow terms of this executed agreement, SPS is in violation of its responsibility to maintain the continuity of FHA-compliant servicing. On XX/XX/XXXX. SPS responded with a letter that named the incorrect transferor loan servicer and reiterated their escrow calculation ( see Dispute Response, attached ). They failed to address the substantive issues in my claim about the 60-month escrow spread in the loan modification, in violation of 12 CFR 1024.5 ( e ) ( 1 ) ( i ) ( b ). On XX/XX/XXXX, I contacted the SPS Ombudsman department and spoke to a person who identified himself as XXXX XXXX who stated he would look into the matter and call me back in XXXX days. He did not call back despite my messages requesting a response. On XX/XX/XXXX, I spoke to a person who identified himself as XXXX and reviewed my case to date ( recorded with assent by both parties ). XXXX stated : XXXX. SPS honors previous servicer modification programs, but the XXXX spread was not worked into the modification. XXXX. SPS would honor a XXXX, but not a XXXX escrow spread. XXXX. He would refer this matter to the escrow department for further review. XXXX. SPS would accept payment of principal and interest to keep my account in current status. On XX/XX/XXXX, SPS finally responded to my dispute. They stated they could not honor my request for a longer spread but offered the XXXX option, in violation of successor servicing requirements and the HUD affordability mandate for my XXXX modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The Bureaus, Inc.
State: MI

Complaint narrative:
They have been harassing me at my work by calling my works phone. They were told to stop and have yet to cease. Multiple times a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year>, we accidentally paid {$4900.00} to Kohls Capital One. We use XXXX XXXX XXXXXXXX Bill pay and the payment was meant to go to XXXX XXXX XXXX credit card, but was put into the wrong column on the bill pay page. We have been in contact with them immediately since we figured it out and as of today XX/XX/XXXX still don't have a resolution. There was no balance on the Kohls Capital one and we have submitted the following documents .. my drivers license, my bank statement and the canceled check that they deposited. I am still being told " it's being investigated ''. The customer service has been beyond horrendous! Everytime we call the store changes and asked us to send different documents instead of giving us the correct information from the first call

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am disputing an alleged credit card debt associated with American Express that has been placed with XXXX XXXX for collection. This account was previously reported as fraudulent and may be the result of identity theft. Despite this, XXXX XXXX is attempting to collect the debt and has indicated that I may be held personally liable, even though the account is associated with a business entity ( XXXX XXXX XXXX ). I have not been provided with any documentation establishing personal liability, such as a signed personal guarantee. I formally requested validation of the debt, including proof of ownership/authority to collect, a complete account history, and verification of liability. During a phone call with a representative identified as XXXX XXXX, I was told that they were not required to provide certain requested information. When I requested credentials and documentation, I was told, in substance, that this information would not be provided. I also requested records related to the fraud dispute, including any investigation findings. These have not been provided. At the same time, collection activity and legal action are being pursued. The account was previously reported for unauthorized activity, and I have filed a police report and fraud complaint. However, the company has failed to acknowledge or provide documentation related to this dispute. Additionally, the communication was unprofessional, with interruptions and a tone that I found to be aggressive. I believe the company is attempting to collect a debt that is not owed, while failing to provide required validation and documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: NE

Complaint narrative:
I call Transworld Systems Inc today XX/XX/year>, and inquired when this debt was reported to them, they proceeded to provide false information saying someone and they did not know who, reported that this debt was represented by an attorney. When I asked them where they got the information from, the refused to tell me, and said they did not know where the information came from. I proceed to ask them when this debt had been reported, they proceeded to state they could not disclose any information about the debt, but however could disclose the balance and collect payment toward the debt. I then proceed to ask for a manager, in which continued to ask about the attorney, and proceeded to try to force me to say this debt was not being handled by an attorney. After providing the information for the several time, that no attorney was handling this debt, the manager continue to refuse to provide me with the information of when the debt was reported to them, he then asked me over and over until I hung if the debt was being handled by an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding LLC is reporting a collection account on my credit report for {$600.00} ( XXXX XXXX : XXXXXXXX XXXX XXXX XXXX and this account is currently marked in dispute. I have never received proper validation of this debt, nor did I receive any initial written notice prior to this account being placed on my credit report. This is a direct violation of the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g ( a ), which requires a debt collector to provide written notice of the debt within five days of initial communication. I am requesting proof that such notice was ever sent and received, including certified mail records or verifiable delivery confirmation. Additionally, despite my disputes, LVNV continues to report this account without providing documentation sufficient to establish : That this account belongs to me A valid contract or agreement A complete account ledger or payment history An itemized breakdown of the balance The date of first delinquency Proof of assignment or legal ownership of the debt Reporting a balance without this documentation violates the Fair Credit Reporting Act under 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ) and 1681s-2 ( a ) ( 1 ) ( A ) ( furnishing accurate information ). Continuing to report this account after disputes without proper verification also violates 1681i ( a ). At this point, LVNV has failed to meet the legal standard for validation and continues to report unverified information, which is misleading and harmful to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: MS

Complaint narrative:
Dear Consumer Reporting Agency, I am submitting this formal request to block the reporting of fraudulent information on my credit file pursuant to 15 U.S.C. 1681c-2 ( Fair Credit Reporting Act, Section 605B ) due to identity theft. I am a victim of identity theft and have attached a valid FTC Identity Theft Report, along with copies of my government-issued identification, Social Security number verification, and proof of current address. The following accounts and/or inquiries are fraudulent and were not opened or authorized by me : NATIONAL CREDIT ADJUSTERS , L.L.C Date opened Balance XX/XX/XXXX {$120.00} Status Collection account. {$120.00} past due as of XXXX XXXX. XXXX XXXX XXXX XXXX Potentially negative Date opened Balance XX/XX/XXXX {$110.00} Status Collection account. {$110.00} past due as of XXXX XXXX. I certify that these accounts and inquiries resulted from identity theft and request that you immediately block all information relating to these fraudulent accounts from my credit file. Pursuant to 15 U.S.C. 1681c-2, once you receive this request and supporting documentation, the consumer reporting agency is required to block the reporting of identity theft-related information no later than XXXX business days after receipt of a complete request, unless you determine that the request is incomplete or inconsistent with applicable requirements. Please note : * A police report is not required when a valid FTC Identity Theft Report is provided under federal law. * I am exercising my rights under the FCRA to prevent continued reporting of fraudulent accounts that are the result of identity theft. I also request written confirmation that : 1. The fraudulent information has been permanently blocked from my credit file 2. The accounts have been removed from all future reporting 3. All furnisher entities have been notified of the block request 4. My updated credit report reflecting these changes will be provided If you determine any portion of this request is insufficient, please provide a detailed explanation in writing so I may correct it promptly. I declare under penalty of perjury that the information provided in this statement is true and correct. Sincerely, Full Name : XXXX XXXX XXXX of Birth : XXXX SSN ( last XXXX digits ) : XXXX Current Address : XXXX XXXX XXXX Phone Number : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: TN

Complaint narrative:
I have no knowledge of ever opening an account with self lender. I have no debt owed to this company and the account opening must be due to identity fraud. I have requested debt validation with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Skrill USA, Inc.
State: FL

Complaint narrative:
Paysafe had a fraudulent merchant services account opened in my business name- XXXX XXXX XXXX. I contacted Paysafe in XX/XX/XXXX and reported this. They stated the account and card associated with their merchant account was from XXXX XXXX which is not even in FL and not my bank account. Then in XX/XX/XXXX I received a 1099 from Paysafe for XXXX. I called back multiple times between XX/XX/XXXX to XX/XX/XXXX reporting this fraudulent account and XXXX. I provided everything they requested- I filed a police report, I answered their questions, provided documentation that that was not my account. On XX/XX/XXXX I received and email stating the case was closed and to report it to the IRS. They created this fraudulent 1099 they should submit a corrected 1099 to the IRS. I called on XX/XX/XXXX and they refused and said there was nothing else they will do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened up my EverBank account on XXXX XXXX. Every thing was good I got a welcome email with my checking and savings details. The following day XX/XX/XXXX I funded my account through XXXX. And it went through successfully. The next day when I went to log into my account it was blocked. I reached out to the company and they told me to call back on Thursday and the investigation will be over. Finally a guy name XXXX XXXX who was assigned to my case gave me a call to tell me my accounts will be close and that they suspect fraud is happening in my account. I sent XXXX dollars and change from XXXX of my personal accounts to another one. Both in my name and my money. So fast forward the bank I sent money from is XXXX XXXX XXXX XXXX they also froze my accounts I can no longer sign into my account online due to EverBank putting me in a system saying my name and number and email and social security number is all fraudulent. I tried many times to reach out to EverBank to get this matter resolved but Everytime I call nobody seems to want to talk and give me attitude and hang up in my face. I ask for a timeline on the investigation they dont answer. My previous bank told me Im in a system and they cant unblock my account until EverBank finish they investigation. They flagged it as claim for a deposit. My credit union gave me the information today on XX/XX/year>. So now Im stuck without a bank account because I was flagged for fraud but that was false I never committed fraud on EverBank nor XXXX XXXX XXXX XXXX but my accounts are frozen and EverBank closed my XXXX accounts I had with them. I ask to speak to XXXX XXXX today XXXX told me nobody wants to talk to me and have no information for me and stop calling because nobody wants to talk and nobody will call me back. I have all calls recorded as well if you need to hear them I will forward them all to you. EverBank has to be the worse bank and experience I ever encountered with. They need to be banned how they treat and talk to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I have contacted Carrington Mortgage starting in XXXX reference payments not be credited from the bankruptcy trustee. I filed bankruptcy in XX/XX/XXXX, with my first payment being XX/XX/XXXX and my last payment being XX/XX/XXXX. My mortgage payment was to be included in the bankruptcy payments made to the bankruptcy trustee. I was informed by my lawyer that the trustee front loaded all my mortgage payments to Carrington Mortgage with her making the last payment in XX/XX/XXXX. This would have been payments from XXXX XXXX XXXX however Carrington Mortgage XXXX XXXX mortgage payment delinquent for the months of XXXX XXXX XXXX and can not explain to me where the payments went for those months that were made by the trustee as part of my bankruptcy. I have spoken with Carrington Mortgage on several occasions and have copies of my monthly statements ( post-petition ) which stated that I did not owe a payment in XXXX or XXXX and only owed {$160.00} in XX/XX/XXXX with regular monthly payments starting in XX/XX/XXXX. On XXXX XX/XX/XXXX, I had to make a {$5100.00} payment to Carrington to keep them from reporting my mortgage late to the credit bureau. Carrington has created an abusive relationship concerning what the have deemed rears on my mortgage. I felt pressured to make this payment or face the consequences of having my mortgage reported late on my credit report. I want Carrington to explain where my mortgage payments went that was made by the bankruptcy trustee and why my statement for XXXX and XXXX had a negative balanced owe, if in face I owed the monthly payment.

Company response to consumer: Closed with explanation