vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Monterey Financial Services LLC
State: MD

Complaint narrative:
I am submitting this complaint regarding an alleged debt being serviced by Monterrey Financial Services , Inc., which I dispute in full due to confirmed fraud and material impairment of the underlying agreement. 

In XX/XX/year>, I was the victim of a documented fraud scheme involving the impersonation of XXXX XXXX XXXX representatives. Individuals falsely represented themselves as authorized agents, provided fraudulent annex forms and wire instructions, and induced me to wire {$12000.00} USD to a foreign bank account under the pretense of clearing a balance to receive resale proceeds. 

XXXX XXXX XXXX XXXX Department later confirmed in writing that the individual involved was not an employee nor affiliated with Latitude and that the transaction was fraudulent. 

As a result of this fraud : My account servicing was disrupted ACH access was lost Payment responsibility was transferred without reliable validation Continued payments would have exposed me to further financial risk I ceased payments in good faith to prevent further harm and formally disputed the debt in writing. I am requesting that the CFPB review whether continued collection attempts, account handling, or enforcement of this debt complies with consumer protection laws, given the confirmed fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I had noticed some unauthorized transactions on my Cash App account from XXXX XXXX. As I was going crazy trying to figure out how XXXX even got my Cash App information I had filed a dispute with them. They denied my claim and to be perfectly honest XXXX is held responsible for this the reason why is because on XX/XX/XXXX I have purchased a XXXX XXXX gift card online for {$5.00} XXXX wouldn't let me redeem it they said they needed more information. So I provided them with a phone of the gift card showing the code, the receipt for proof of purchase and my bank statement showing the purchase for the gift card they still denied me. There excuse waz because there some inconsistencies with my account. All of a sudden when there was never any issues before but yet there going to allow these transactions to go through. Not to mention someone added or linked my Cash App account to XXXX so my Cash App account was being bilked directly. I explained this to Cash App and at first they refused to even file a dispute claim said they couldn't do anything about it that I needed to take it up with XXXX I told them I already did and they denied my claim but yet cash app still chooses to make me wait. Not to mention I don't even know how to like my account like that and didn't know how to unlink it I asked XXXX for assistance they ignored me. I barely figure out today how to unlink it and before I even figured out how to unlink it XXXX hit my cash app account again for {$9.00} which cash app charged me overdraft fee for it. I need all funds returned to me ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams, Rush & Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX. The report, dated XX/XX/year>, falsely alleges a {$430.00} past due balance opened on XX/XX/year>.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Finance Direct LLC.
State: MI

Complaint narrative:
In XXXX of XXXX, I signed up for a membership with XXXX XXXX for teeth aligners. I was told my crooked teeth could be fixed with their aligners within 24 months. I paid for the first few months, and I got aligners in the mail that did not fit. I reached out to the company, and stated that the aligners did not fit my teeth, they caused me pain. Two months later, in XXXX, they went bankrupt. I agreed to the subscription under the terms that I would have aligners to align my teeth, I would have access to a licensed orthodontist, and could contact a health professional for assistance. I did not receive aligners that fit my teeth, I could not access communications with any health professional for help or assistance, and within months my account no longer existed. I was frustrated that I paid months worth of fees already for a service I did not receive, but I was consistently harassed by this company, being told that I still owed money for a health service I was no longer receiving, and treatment that I did not finish because they went out of business. I did not ask for my money back, but I emailed them and reached out to them and informed them that I did not receive the healthcare I paid for, and I requested that they stop asking me to pay them. In XXXX of XXXX, I got braces with a local orthodontist in my town, because I didn't receive any healthcare for my teeth from XXXX. Now, the fees they assume I owe are listed under collections on my credit account, and I request help on this matter to remove these charges. I am a graduate student, completely financially providing for myself with student loans because I make an income of less than {$5000.00} a year. I can not afford to have my credit harmed by these fees under collections. I would greatly appreciate any help on this manner. As a XXXX XXXX XXXX who just wanted straight teeth on a budget, I felt cheated and betrayed by this company. Please let me know what I can do to help this be removed from my account, and thank you so much for considering my story.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
RENTRECOVERYSOLUTIONS is falsely reporting on my credit. I have never had any accounts with them. Per my research RENTRECOVERYSOLUTIONS 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: Untimely response
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Marauder Corporation
State: TX

Complaint narrative:
According to XXXX XXXX XXXX C and XXXX XXXX XXXX you have violated my rights by in lawful communications. Please remove this collection off of my credit report to the following accounts : - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX These are listed on credit reports without any information.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/year>, I sent an ACH transfer in the amount of {$1400.00} from my XXXX account to a newly opened Truist checking account ( opened XX/XX/year> ). 
Truist closed the account without notice shortly after the transfer and initiated a return of the funds. XXXX confirms the transfer was sent and that the funds were not credited back to me due to the closed account, and my balance remains {$0.00}. 
Truist has stated that the {$1400.00} does not appear in my account history due to the account closure but has not provided documentation showing the funds were successfully returned or credited elsewhere. 
Despite multiple contacts and an open Truist claim ( XXXX ), the funds remain unaccounted for, and I have not received my money.

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 2026-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC
State: TX

Complaint narrative:
I am filing this complaint against Credit Control LLC regarding a collection account reporting on my credit file under account number XXXX in the amount of {$140.00}, allegedly owed to XXXX. 
I dispute this account in its entirety. 
I have no knowledge of this alleged debt. I never received any written notice, never received any validation, and never received any legally required disclosures before this account appeared on my credit report. The first notice I received was credit reporting, which is unlawful.

Under FDCPA 809 ( a ), a debt collector is required to send written notice within five ( 5 ) days of initial communication, including : Name of the original creditor Amount of the debt Notice of my right to dispute Notice of my right to request validation None of this occurred. 
I requested validation of this alleged debt. More than thirty ( 30 ) days have passed, and Credit Control has produced absolutely no documentation. 
No contract. 
No billing statements. 
No itemized accounting. 
No proof of ownership. 
No proof of assignment. 
No proof of mailing. 
No proof of delivery. 
Without this information, the debt is unvalidated and can not be lawfully reported. 
Required Validation That Has Not Been Provided To lawfully report or collect this debt, Credit Control must provide : Name and address of the original creditor Signed agreement or service contract Complete itemized accounting Date of first delinquency Proof of assignment or ownership Proof of written FDCPA notice Proof of mailing or delivery None of this has been provided.

Reporting this account without validation violates : FDCPA 809 FCRA 607 ( b ) FCRA 611 FCRA 623 ( a ) Metro 2 reporting standards This is not a clerical error. It is unlawful reporting.

I have researched Credit Control LLC and am aware of the companys extensive history of consumer complaints and litigation involving failure to validate debts, improper collection practices, and inaccurate credit reporting. 
This account reflects the same unlawful pattern.

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 2026-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: UT

Complaint narrative:
I have recently starting receiving collection emails and calls from Aldous and associates, XXXX as of XX/XX/XXXX stating I owe a {$90.00} debt to XXXX XXXX. 

I cancelled my membership with XXXX XXXX in XXXX of XXXX and when I cancelled my membership there was no debt owed at the time and I was able to complete the process of cancellation. I have screenshots of my cancellation confirmation email from XXXX dated XXXX ( screenshots attached ) As of XX/XX/XXXX I called Aldous and associates to inquire about this debt that I am owed. I initially thought it was just a scam but they continue to call me daily/weekly. When speaking with a rep, she mentioned that they received my information from XXXX in XXXX. I asked for an itemized list of the debt that I supposedly owe and was met with " I don't have that information in front of me, you will need to send in a request via physical mail to our XXXX XXXX XXXX What?? 

When mentioning that I do not owe this debt and have cancelled my membership with this gym over XXXX years ago, I was told that I need to pay this debt off or that it would impact my credit. For a debt that I don't owe?? There was no offer of any kind of investigative work to see why I am being charged this debt and when attempting to get to the bottom of it I was told to send in a request via physical mail and " good luck '' I feel harassed for a debt I DO NOT owe and told the rep to please stop calling me to which she continued to try to collect the debt and say that my credit would be impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: AR

Complaint narrative:
I am filing a complaint regarding PHH XXXX  handling of my loss mitigation application and related default/foreclosure notices. 

PHH Mortgage denied my loss mitigation application citing missing hardship letter, despite the fact that I submitted the hardship letter and full application package on XX/XX/XXXX, via email. I have proof of submission. At no point did PHH notify me that documentation was missing or incomplete. My application was denied without an opportunity to cure the alleged deficiency. 

Timeline of Events : XXXX  XXXX bankruptcy XXXX XX/XX/XXXX. 

XX/XX/XXXX : PHH stated they would mail me a loss mitigation packet. I never received any documents by mail. 

I later discovered the packet was uploaded to my online account without PHH notifying me. Once located, I completed the full packet and submitted it by email on XX/XX/XXXX. 

PHH did not contact me to request any missing documentation. 

XX/XX/XXXX : I called for an update and was informed the application was denied due to missing hardship letter. 

When I informed PHH I had submitted the letter with proof of email, they did not acknowledge their error or provide an explanation. 

Shortly after, I received a default/foreclosure-related XXXX notice. 

When I contacted PHH again, I was told the application had been reopened, but foreclosure-related notices had already been sent. 

Additional Concern : PHH has updated my credit report to reflect XXXX  XXXX Bankruptcy XXXX, which is inaccurate and misleading because I did not surrender the property and PHH is still pursuing collection and foreclosure-related actions. This reporting conflicts with PHHs treatment of the loan and may interfere with loss mitigation rights. 

My Concerns : XXXX conduct raises several concerns, including : Failure to properly evaluate loss mitigation applications Failure to notify borrower of missing or needed documents Improper denial of a complete application Failure to provide an opportunity to cure Potential dual-tracking ( processing foreclosure actions while application is active ) Failure to send promised documents by mail Misleading credit reporting regarding loan status Requested Resolution : I am requesting that CFPB : Require PHH to properly acknowledge and review my submitted application. 

Require PHH to pause any foreclosure-related actions while the review is ongoing. 

Review XXXX  servicing practices for compliance with applicable federal servicing laws. 

I can provide copies of all submitted documents, proof of emailed submissions, the default notice, credit reporting screenshots, and call logs with PHH representatives.

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 2026-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bounce AI, Inc.
State: IL

Complaint narrative:
On XX/XX/year> I mailed a certified letter ( which proof of delivery shows XX/XX/year> ) to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX requesting validation pursuant to FDCPA 15 U.S.C. 1692g. My debt validation specifically requested the following : XXXXProof of assignment, transfer or sale of the alleged debt XXXX Evidence that Bounce AI Inc. possesses current legal authority to collect the alleged debt. To date, no admissible evidence of ownership has been produced. This constitutes violations of the FDCPA, including but not limited to : 15 U.S.C. 1692g- ( b ) Failure to properly validate the alleged debt while continuing collection activity, including credit reporting. 
Additionally, continuing to report this account to the credit reporting agencies without possessing verifiable proof of ownership and authority constitutes inaccurate and unsubstantiated reporting. The continued reporting of this unvalidated collection account has caused significant harm by negatively impacting my credit profile and financial standing, despite the collectors failure to comply with federal validation requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: WI

Complaint narrative:
Multiple background and employment checks have been requested. I was notified by a third party of them and no collections company has notified me they have been investigating me or my work history/status. 
I have never had a contract with " credence resource management '' nor have I received any information on the debts listed on my credit reports. 
Multiple calls and texts to myself, my work phone, my work, old bosses, my XXXX, XXXX, text messages without permission frequent background and credit reports ran, I have notified them to stop contacting me and am in the process of filing XXXX. They among other XXXX have threatened to come to my place of work. They have knocked on my XXXX XXXX door at her place of residence threatening her and intimidating her by sitting outside her home. She is currently undergoing XXXX and fighting XXXX. Getting out of bed frequently to answer her door or having her phone constantly going off is not ok. XXXX of my debts are related to her in any way. 
Spoof calls from fake phone numbers have been used as well. 
MULTIPLE REPORTS TO CREDIT AGENCIES FOR THE SAME DEBTS OR DEBTS NO LONGER VALID. Revolving the same DEBTS under new accounts with new dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: WI

Complaint narrative:
My child support funds have been stolen XXXX times in XXXX month. I can not reach a live fraud agent. I am requesting reimbursement under Regulation XXXX My card has gotten canceled and sent to an address in XXXX XXXX. Way to go has sent me XXXX cards now since XX/XX/XXXX when the fraud started. I asked them not to change my address, I've lived here 20 years and tonight now my card is canceled and I yet again can't get thru to the fraud department or any real person. This is exhausting. I want direct deposit and I want my money back that was stolen since XX/XX/XXXX. Yes. I also had fraud charges pending. They are supposed to respond to me by the XXXX of this month. However, obviously they let it happen AGAIN. And I can't even tell anyone because I can't get a human!!!! This money is to feed my kids and this is INSANE. I'm due all transactions from anywhere not in wi since XX/XX/XXXX. I've never been to XXXX XXXX, I know no one there and now they're getting a new card sent to them in my name. For the XXXX time....

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: VA

Complaint narrative:
In XX/XX/XXXX, I opened a Schwab Investor Checking account. Schwab verified my external XXXX XXXX  account through two microdeposits, which I confirmed. I completed an initial {$50.00} transfer from the same XXXX XXXX account without issue. 

On XX/XX/XXXX, I initiated an ACH transfer of approximately {$900.00} from the same verified XXXX XXXX account into my Schwab account. Later that day, I enrolled in XXXX. Immediately after enrollment, Schwab suspended my XXXX access without explanation. I contacted Schwab and was told the XXXX department was closed and that a message would be sent to them. 

On XX/XX/XXXX, my Schwab account remained accessible and the {$900.00} transfer displayed a standard hold. On XX/XX/XXXX, I was unexpectedly locked out of my XXXXchwab account entirely. When I called Schwab, I was told the lockout was due to a need to verify that the funds came from my actual account, even though Schwab had already verified this same external account in XXXX. 

On XX/XX/XXXX, I went to a Schwab branch and provided all requested documents, including government ID, my XXXX XXXX  XXXX  statement, a XXXX  XXXX  support email, and printed transaction records. Because the transfer occurred in XXXX, my XXXX statement will not be available until XX/XX/XXXX. 

On XX/XX/XXXX, Schwab emailed me stating that my request was under review and that their goal was to complete the review within three business days. That deadline has passed. As of XX/XX/XXXX, I have received no communication from Schwabs Fraud Department or any investigator. I have only received inconsistent information from customer service representatives, including being told that the case is still with the Fraud Department and that I should wait an additional five business days. 

My account has now been restricted since XX/XX/XXXX, without explanation, without communication, and without access to my funds. Schwab has missed its own stated review timeline and has not requested any additional information from me. I am seeking CFPB assistance to compel Schwab to complete the review, restore access to my account, and provide a written explanation for the delay.

Company response to consumer: Closed with explanation