vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
XX/XX/year> called and spoke with a representative ( did not mention his name ) asking of they please validate this debt in writing, including the original agreement, full payment history, that they have the authority to collect on this account, the amount reported is accurate, the debt was properly transferred to your agency or cease all collection efforts within XXXX  days. I also asked the representative why this was never brought to my attention prior I only knew about the debt because I did my annual credit report. The representative advised that letters were sent to be prior to this being on my credit ( never received ). Was told by representative I owe {$930.00} but was never notified by the previous company. I was told that an itemized bill ( not what I requested ) could be sent to me. I advise the representative to sent the itemized bill to the address they allegedly sent the other letters to. I asked for a general time frame so I could keep an eye out for the letter but I was not told a time frame for when I would receive it.I also inquired about a pay and delete. Rep advised that their company does offer pay and deleted but ONLY possible AFTER full amount is paid. I continued to ask why something could not be sent in writing prior to payment and representative started getting frustrated. I told him that i have seen their XXXX reviews and based off of those I am uncomfortable sending money without an written agreement. He then got upset and told me that he is not forcing me to do anything. I then Hung up the phone out of frustration. 

XX/XX/year> I called collection agency again and spoke with XXXX. Representative was persistent about me verifying additional demographics outside of my name and the account number. I told him that the other representative I spoke with prior did not ask me to verify demographics so Im not sure what is required and what is not. Representative then asked me what was the reason for my call and I requested for debt validation again. I was told an itemized bill would be sent to me again. I also to verifed their pay and delete policy. Again I was told thy will send an agreement after balance is paid. Reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV Funding LLC is furnishing materially inaccurate and misleading information on my credit report in violation of the Fair Credit Reporting Act. 

The account falsely identifies LVNV Funding LLC as the original creditor. LVNV is a debt buyer and was not the entity that extended credit. This is a false factual representation of the accounts origin.

The account is also reported as open while simultaneously marked placed for collection. A collection account can not be an open credit account. This reporting is inherently misleading and materially impacts credit scoring.

Additionally, the account fails to report a valid account type, resulting in incomplete and non-compliant data.

I previously disputed this account through the credit reporting agency. LVNV continues to verify the account without correcting the inaccurate original creditor designation, improper account status, or missing classification, demonstrating a failure to conduct a reasonable investigation as required by law. 

Furnishing information that is inaccurate, incomplete, or misleading after notice of dispute violates 15 U.S.C. 1681s-2 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: DISCOVER BANK
State: MO

Complaint narrative:
Ok XXXX I purchased a set of lights from a store on XXXX. I used my Discover card. The charge was {$72.00}. I never recieved this item. I have proof this was never recieved, proof the tracking numbers are fraudulent, as well as proof this was a complete scam, also proof XXXX refunded the seller on the product that was never delivered. I have everything I can show. This si so obvious. Yet I can not get any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/year> SSN : XXXX ID Type : Drivers License Id Number : XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning System consumer report. I have NEVER opened or used the following account numbers : Bank : 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  I dont recognize the following accounts in question. XXXX a victim of identity theft and I don't recognize these accounts on my report. XXXX requesting the following information be deleted from my Early Warning consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: DC

Complaint narrative:
The collections on these loans are not the original student loan companies I signed with. I do not know who these people are but its ruining my credit. Also the balances are not correct or time frame of the loans

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OR

Complaint narrative:
One two separate time I called to confirm that I could deposit a cashiers check into my account at the amount of XXXX. Both times I was told yes I could deposit check. When I went to deposit the cashed check into my account they denied me deposit the check. When I called to ask they were unable to give me an answer. This now means I have a XXXX dollar check I cant cash

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: WLCC
State: CA

Complaint narrative:
I noticed that there were XXXX different charges on my bank account XXXX for {$34.00} on XX/XX/year> another for {$110.00} & change both are from Just Loans the problem is that I did not get get a loan from the company I applied but when I saw the fees I didn't not sign anything accepting the offer & no funds where ever deposited into my account I've checked my statements going back to XXXXXXXX XXXX XXXX no deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
On Monday XX/XX/XXXX, I deposited cash into the ATM as I often have in the past. I then went to make a purchase at a store and my card declined. I immediately called XXXX XXXX and the gentleman on the phone told me my account was closed, and could not tell me further information. I go to bank to speak with a teller and they tell me that the account was closed because my mom was a secondary on my account. They could not give me further details, which is understandable because it had to do with other accounts. However, this incident significantly impacted me. I had to make a new account that day and transfer everything over, which took hours. I was due a pay check from my employer on Tuesday night XX/XX/XXXX, that of course had to be rerouted. It is now Sunday XX/XX/XXXX and I still do not have my paycheck because of this mess. I now have bills that are late, and some will impact my credit score. I owe dues to my university that I can not pay right now, and the semester is starting this week.

I discovered that the reason this happened was because of delinquency issues on my sister 's account, which my mother is also a secondary member on. I have been a loyal member to XXXX XXXX for over 15 years, my mother has never done anything on my account. She is only a secondary because I was young when I first made the account. I understand the issues with her account, but neither me nor my mother received a notice that this was going to happen. Had there been, the issue would have been quickly resolved and I would not have had to go through this mess, but instead I had no chance to try to prevent my account from being closed. So many other alternatives could have been made instead of permanently closing my account because of something that had nothing to do with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: NE

Complaint narrative:
So XX/XX/year> my mother sent me {$20.00} via XXXX to my XXXX. I used that to buy crypto from XXXX and when I went to send it, to a wallet Ive sent crypto too over 30 times before wouldnt send it so I wanted to just sell it back to XXXX and now I cant access my money for 7 days

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I am a XXXX XXXX XXXX XXXX XXXX and I sold my home at XXXX XXXX  XXXX on XX/XX/2022. My final bill was {$3.00}. Somehow that has turned in to over {$800.00} in XXXX collections. Not only did they never send me a copy of the bill, they've hit my credit multiple times with XXXX separate collections for the same bill. The home was listed and vacant on XXXX XXXX, it went under contract on XXXX XXXX and officially closed on XX/XX/XXXX. ( all dates are listed in the XXXX sheet attached ). No one was using the power, the bill was extremely low reflecting that- absolutely NO idea how I got here, and no one will respond to me- for YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
I am submitting this complaint regarding Cardinal Financial Company , Limited Partnership, and loan XXXX XXXX XXXX, in connection with my VA construction loan application. 

Over approximately eight months, XXXX XXXX repeatedly represented that my VA loan structure was acceptable and viable, including a home design with an unfinished upstairs portion. These representations were made verbally and in writing and were relied upon in making housing, financial, and contractual decisions. 

When I requested clarification regarding delays, underwriting status, and continued acceptance of previously approved terms, the loan terms and requirements changed. Prior representations were reversed, new conditions were imposed, and communications were escalated to include third parties, including my builder, resulting in the disclosure of sensitive financial information. 

Shortly thereafter, the loan process was terminated without a clear underwriting denial or new financial disqualification. As a result, I experienced housing disruption, financial losses, loss of land and builder relationships, and significant personal and family hardship. 

Supporting documentation is attached, including text message correspondence and email communications showing prior approval, reliance, and subsequent changes in loan terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
Secure own funds, put if work, NFCU keeps reporting while unemployed with any extension or Goodwill Deletion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In late XXXX I noted fraudulent activity on my American Express XXXX account. I made their fraud department aware of it and they deleted those charges and said they would send me a new card. Before I received the new card there were more fraudulent charges and it became clear that American Express had sent a replacement card to the perpetrator before they sent one to me. And charged me {$10.00} for the express mailing. I found the address that they had sent the card to and identified the names associated with the address. I told Amex this information. They were not interested. I contacted the police in XXXX, XXXX  where they were located. They couldn't do anything. I filed a police report with my local police in XXXX, XXXX  - XXXX. I paid all valid charges to American Express on XX/XX/XXXX and cancelled my card ( cancellation # XXXX ). They continued to send cards to the perpetrators and sending me bills. I have spent over 17 hours on the telephone with their fraud department and informed them that I have not possessed an account with American Express since XX/XX/XXXX, XXXX. Each person assures me that this won't happen again and then a month or a week later I get another harassing call or bill. The latest was dated XX/XX/XXXX. It is time for this harassment to stop

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: CA

Complaint narrative:
I am a California resident. I took out an installment loan for {$1200.00} with an APR of 653.51 %. 

I began repayment on XX/XX/XXXX and within only XXXX days I was charged {$640.00}, mostly in fees and interest. 

This interest rate is illegal in California. The lender is attempting to collect excessive and predatory charges. 

I am requesting relief in the form of limiting repayment to the principal only and stopping further interest and fees.

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 2026-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc
State: MA

Complaint narrative:
I had a month-to-month gym membership with XXXX XXXX, billed through XXXX XXXX XXXX. I used the services and paid while actively attending. 

In XXXX, I stopped using the gym and took steps to cancel the membership. After I discontinued use and revoked authorization for further billing, recurring charges continued to be attempted. I contacted my bank, disputed the charges, and blocked the merchant. A dispute credit was issued, reflecting the end of authorized billing. 

Despite this, XXXX XXXX continued to assess recurring membership fees after termination and later aggregated those post-termination charges into a balance of approximately {$280.00}. No signed agreement authorizing indefinite billing or post-termination fees has been produced. 

In XX/XX/year>, this amount was reported to the credit bureaus as a collection/charge-off, causing a significant credit score decrease. The reported balance is not based on services rendered after cancellation, but rather on continued billing after authorization was revoked. 

I am disputing the accuracy of this debt and the credit reporting. I am requesting that the company provide validation of the debt, including a complete itemization and a signed contract authorizing continued billing. Absent such proof, I am requesting deletion of the collection tradeline and correction of any inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
My XXXX XXXX XXXX account balance was {$27.00} due on XXXX. I did not realize my card number had changed so online banking could not pay with the card on file. When this was discovered, I paid the {$27.00} on XXXX through XXXX XXXX XXXX  phone system and was charged a late fee of {$30.00}. XXXX XXXX XXXX  insist that I pay {$15.00} when I asked that the late charge be forgiven. I mailed a check for {$15.00} on XXXX. It was honored by the bank on XXXX I received a bill for {$51.00}. I did not agree with this bill but sent a check for {$5100.00} on XXXXXXXX  to stop the billing. Check was honored by the bank on XXXX I received a bill for {$93.00}. This has started to get really scary, so I filed a claim and received two letters from Comenity Bank. One stated it would take 90 days to reach a conclusion and the other stated that I need to submit checks as proof of payment. I nor XXXX Bank can submit checks because Comenity Bank did some kind of electronic submission for payment. I have bank statements, but Comenity Bank seems not to want to accept. I have many times to attach my documents to your portal but was denied. Is there another way?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: AZ

Complaint narrative:
On the XXXX of XX/XX/year> went shopping during my lunch for a bookshelf.. I found what I believed I wanted with a company called XXXX .. they are overseas .. based in either XXXX XXXX XXXX XXXX or XXXX XXXX or one of the Oriental countries... I did not know this upon making the purchase because I did not research enough. I attempted to pay XXXX The bank I bank with is current bank .. they've been very very very very good to me so far.. 


Upon looking at the purchase I realized that the purchase and shipping would take 20 to 30 days and I was not okay with this so on the XXXX of XXXX made a claim with current bank to get my funds back.. 

I emailed XXXX and told them no hard feelings I did not know that your operation space is overseas and that the item would take a month and a half or more to ship. 

A few days later I received an email that stated that the refund would be processed within 48 hours. 

On the night of XX/XX/XXXX I received an email from XXXX asking me to cancel my claim so that I can get my {$27.00} back for the purchased item I quickly contacted the support team of current and asked for an agent and the agent looked at my account saw the claim dated XX/XX/XXXX and said that they can not go through with the claim deletion or claim cancel .. minutes before that the support team of XXXX kindly stated that they would initiate the refund if the current claim is canceled. 


Current again stated that they can not cancel my claim due to it being dated the XXXX I just want the {$27.00} that I paid back to my account Had I realized this company would be so kind to give me a refund I would not have made my claim with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Stenger & Stenger, P.C
State: KY

Complaint narrative:
Stenger and Stenger filed a motion in court in XXXX XXXX XXXX, in XXXX XXXX XXXX. I was served the papers in XXXX XXXX XXXX  and called them and they agreed to have electronic checks taken out of my bank account once a month every month for the XXXX accounts I have with them totaling XXXX dollars in monthly payments. The judge in XXXX XXXX XXXX, signed off on that agreement and when they are suppose to pull the payments and after the first month, they pulled their payments with no problems. Then the XXXX month rolled around, and they did not process their payments or attempt to pull their payments. They instead have said that the money was not in my bank account when it in fact was. I called my bank, XXXX XXXX XXXX and had them verify that there were no attempted checks, or transactions of any kind. The employee at the bank wrote out on a letterhead " There have been no transactions in the amount of XXXX attempted to come out of XXXX XXXX 's account. '' I have also tried calling them and the lady who answered the phone for Stenger and Stenger was rude as could be. She would not help me figure out why it was not processed when I was trying to uphold the agreement/court order on my end. I even asked her to have her supervisor or an attorney from Stenger and Stenger to give me a call or transfer me to them to get this resolved. She refused to transfer me to anyone and I do not receive any call backs. Then a few days later, I receive a notice of Stenger and Stenger filing a motion for default claiming I did not make my payments and abide by the agreement/court order, when I have done everything in my power to do so. They refused to process the payment on time and lied about it when they were suppose to and have acted in a fraudulent manner. I even waited a week after the payment due date before I called and asked why the payment did not come out of bank account and that was what I got told and how I got treated.

Company response to consumer: Closed with explanation