vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
Complaint, QWR and DVR. On XX/XX/XXXX and XX/XX/XXXX my daughter was in XXXX XXXX where she wanted to personally deliver my XX/XX/XXXX payment to the owner of the obligation and verify accuracy of all amounts because Servicer 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( who operates owned by XXXX 's Mortgage Servicing Platform MSP ) always lists false, misleading, inaccurate, fabricated amounts which XXXX Servicers XXXX, XXXX and XXXX XXXX print and send to me under glimpse of fake company PennyMac Loan Services , LLC ( a single member XXXX registered by XXXX XXXX in XXXX with consent from the US Treasury to defraud homeowners and Courts ) I sent numerous requests to provide me the name and the address of the accountant of the owner of the obligation to personally deliver my payment - without any accord. All " Reinstatement Quotes '' and " Total Payoff '' statements have XXXX XXXX XXXX, XXXX, CA as " PennyMac Loan Services , LLC '' " owned '' or as their " main '' business property. The same address is listed in SEC filings, in Recorders offices, in Court documents and in correspondence with homeowners. After we were unsuccessful to find a contact information for the accountant or bookkeper to whom my daughter can personally deliver my payment, we made our own research who is the actual owner of this property who demands from me and who actually gets my payments. Of course it is NOT fake company PennyMac Loan Services , LLC who is not even listed at XXXX XXXX XXXX as a Tenant. The REAL owner is Bank XXXX XXXX who is acting via complex chain of FAKE empty shell corporations like XXXX XXXX XXXX, XXXX and straw men like XXXX XXXX XXXX who on XX/XX/XXXX registered a fake company XXXX XXXX XXXX XXXX as the " owner of XXXX XXXX XXXX and successfully forgot about this fraudulent company - because in XX/XX/XXXX XXXX XXXX secretly transferred the Deed of Trust to XXXX XXXX XXXXXXXX- who does not appear in any Court or SEC documents as the actual owner of this property and who is using fake company PennyMac Loan Services , LLC as its cover up in this amazing fraud and gigantic money laundering scheme Moreover, all my prior payments were collected by XXXX XXXX XXXXXXXX via complex chain of XXXX XXXX and XXXX companies like owned by XXXX XXXX XXXX XXXX, XXXX This is my QWR/DVR : Disclose why XXXX XXXX XXXX XXXX me for money and secretly collects my payments via complex chain of faux XXXX What XXXX XXXX XXXXXXXX does with my payments? Does XXXX keep my payments for themselves or forward them to someone else? Please provide me name and direct contact information for the accountant or bookkepper who has personal knowledge how all amounts are calculated, how they are applied ; how much was paid during this bankruptcy and to whom and how much is still unpaid. Awaiting for your prompt response Very truly yours XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Credence XXXX XXXX keeps claiming a FALSE account from XXXX XXXX XXXX under my Name. I've had XXXX forever and never even had an account under my Name with XXXX XXXX XXXX. They're claiming I owe {$220.00}. I have already disputed this negative mark on my credit report once before and it's resurfaced yet again for the same fraudulent account after I won the dispute the last time! My credit score has dropped XXXX points because of it!!! It needs to stop! It's not my debt and they keep digging it back up when it was already settled as not mine!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 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: Credit Service International Corp
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as XXXX XXXX XXXXXXXX XXXX - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that XXXX XXXXXXXX XXXX has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: MO

Complaint narrative:
COMPLAINT SUMMARY This is a formal complaint against Block Inc Cash App for a violation of Regulation E 12 CFR 1005 11 regarding a billing error and a merchant promised refund that has not been credited THE FACTS XXXX On XX/XX/year> I purchased an XXXX XXXX XXXX that arrived with an incorrect remote XXXX XXXX XXXX explicitly instructed me in writing to purchase a second unit for XXXX as a concession and promised in writing that this second order would be fully refunded once delivered XXXX XXXX confirmed in writing that a return of the original item was not required XXXX After the item was delivered I contacted XXXX again They confirmed in writing I have issued the refund for the XXXX order XXXX The refund never cleared to the account I filed a dispute with Cash App on XX/XX/year> XXXX Cash App denied the dispute I then filed a formal appeal on XX/XX/year> and provided XXXX screenshots of the chat logs proving the refund was issued by the merchant XXXX Cash App support agents gave me scripted responses and failed to acknowledge the written evidence or provide a timeline for resolution LEGAL BASIS Under Regulation E this constitutes a billing error where the merchant has confirmed a credit is due but the financial institution is failing to honor it Cash App has failed in its duty to conduct a good faith investigation of the provided evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: CA

Complaint narrative:
I believe that I have been treated unfairly and that my consumer rights may have been violated. Specifically, the issue involves product or service, such as a credit card, loan. I have attempted to resolve this matter directly with the company ; however, the issue remains unresolved. I contacted them Despite my efforts, I have not received a satisfactory resolution. As a result of this issue, I have experienced [ describe any financial loss, stress, inconvenience, or impact ]. I am requesting the following removal off my credit report Thank you for your time and assistance in this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
For the second time in 6 months, Harris & Harris Ltd has put a deorogitory account on my credit report for an account that is not mine. I live in Georgia and the account is for someone with a different name in Louisiana. I've requested a debt verification letter before and never got one. They tell me if I don't dispute the debt in 10 days it can no longer be disputed. This is not my debt, not my name, not the state I live in. It should not be my responsibility to prove the debt is not mine in order to have it removed from my credit. This is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Portfolio has XXXX collections that was closed for non monetary XXXX XXXX XXXX did not take off the XXXX collections off of my credit report what they did but they took it off for a couple of days then put them back according to XXXX XXXX. Also, XXXX XXXX stated that they have been reporting on the collections account as of XX/XX/year> 2006

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 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: SC

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 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: AR

Complaint narrative:
PNC Bank has closed my checking account following a series of mobile check deposits that were flagged as fraudulent. All of those check transactions were successfully reversed, and PNC Bank has confirmed they suffered XXXX financial loss. However, PNC is currently withholding {$750.00} of settled funds. These funds were deposited via an ACH transfer ( not a check ) from a licensed payday lender on XX/XX/year>. I possess the legal loan agreement and the XXXX XXXX ID for this transaction, proving it is legitimate, settled, and entirely separate from the check deposits. I am currently facing a severe emergency crisis and lack the transportation to access alternative financial services or pick up cash in person. By freezing this account with a positive balance, PNC is holding verified funds without cause, actively preventing me from addressing a life-threatening hardship. Because the bank has no negative balance and the {$750.00} is from a verified ACH source, there is no legal basis for a continued hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: GA

Complaint narrative:
I filed online dispute with XXXX on XXXX XXXX they responded within XXXX minutes with a denial. I asked again with the same result FIRST DATE of Delinquency. The information is inaccurate and obsolete on my credit report. The account in question is over XXXX XXXX XXXX and should not be reported under the Fair Credit Report Act which limits reporting to approximately XXXX years. Additionally XXXX is reporting date opened XX/XX/year> which is factually incorrect and misleading. This misrepresentation makes the account appear recent when it is not. This is a clear case of inaccurate and obsolete reporting. I am requesting immediate deletion of this account from my credit profile. XXXX failed to conduct a reasonable investigation and continues to report false information which is a violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Request for Validation and Correction To Whom It May Concern, I am writing to formally dispute inaccurate information reporting on my credit file. The account listed below contains incorrect information, specifically the date opened being reported. Collection Agency : Credence Resource Management Original Creditor : AT & T Account Number : XXXX Reported Balance : {$1200.00} Reported Date Opened : XX/XX/year> The date opened for this account appears to be inaccurate. I am requesting a full investigation and validation of the reporting of this account under the Fair Credit Reporting Act ( FCRA ). Please provide documentation verifying the accuracy of the reported date opened, including : The original account records from XXXX XXXX XXXX showing the true account opening date Documentation showing when the account was transferred or assigned to Credence Resource Management Any records supporting the date currently being reported to the credit bureaus If you can not provide documentation validating the accuracy of the reported date, I request that this account be corrected immediately or removed from my credit report. Under the Fair Credit Reporting Act, you are required to conduct a reasonable investigation of disputed information within 30 days of receiving this notice. Please send me written confirmation of the results of your investigation and any corrections made to my credit file. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America closed my accounts and initially informed me on recorded calls that the reason was due to a counterfeit check. However, when I visited a branch in person, I was told that there was no counterfeit check and that they could not confirm that reason. I was then told again on a recorded line they were holding my money due to investigating that I had cashed a counterfeit check. Despite these conflicting explanations, Bank of America continues to withhold {$1500.00} of my funds without providing clear or consistent justification or documentation. {$1300.00} is a direct deposit that is owed back to my Company. The check in question was obtained directly from a Bank of America teller. It was a Bank of America Cashiers Check. As a result of losing access to my funds, multiple payments were declined, causing late fees and financial disruption. I was also forced to open a new bank account and experienced delays in reestablishing my finances. I am requesting that Bank of America immediately release of my {$1500.00} and reimbursement for fees incurred. Totaling {$2000.00}.

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 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Newport Intermediate Inc.

Complaint narrative:
I work for a XXXXXXXX XXXX and we get paid thru XXXX. This bank has the option of spending money automatically to another bank internationally. I have set XXXX banks, XXXX and XXXX, both from XXXX. The XXXX of XXXX there was a Transfer of XXXX USD from XXXX to XXXX, as usual. It did not arrive. I got in touch with the crew XXXX, the tried to get in touch with the bank and there was a second try on XX/XX/XXXX, yet it did not arrive either. I tried to get in touch thru XXXX and XXXX with XXXX trying to know what happened but I got no answer. After that I got in touch with XXXX to try to retrieve the transfer and another one made XX/XX/XXXX, of XXXX USD, that did not arrive either. XXXX doesn't provide tracking numbers, XXXX or XXXX. XXXX was unable to retrieve both transfers, saying that not only they never arrive to their system, but due to the lack of information from XXXX there's no way to find the transfers unless XXXX gives a PDF or a sheet with the tracking numbers of the transfers. Besides that, I do hace all the emails from XXXX about the transfers being sent, but never arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
SPRING OAKS CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL LL 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 non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
I am filing this complaint against Fair Collections & Outsourcing ( FCO ) for violations of the FDCPA, FCRA, and North Carolina law. FCO is reporting a collection account ( Account # XXXX, opened XX/XX/XXXX, balance {$6500.00} ) that I disputed in good faith. Key fact : In XXXX, I made multiple goodfaith offers to resolve this matter. I offered a settlement amount. I also offered a payment arrangement. Both offers were made over the phone and were declined by FCO. FCO provided no counteroffer and refused to negotiate. Instead, FCO continued reporting the account as negative and increased collection efforts. FCOs refusal to accept any reasonable resolution, while continuing to report an unverified debt, shows bad faith and an intent to penalize rather than collect. This is a per se violation of the FDCPAs prohibition on unfair or deceptive collection practices ( 15 U.S.C. 1692f ). Additionally, FCO has a documented history of illegal conduct. In XX/XX/XXXX, the CFPB sued FCO for violating the FCRA and FDCPA. In XX/XX/XXXX, a federal court ordered FCO to pay an {$850000.00} penalty. On XX/XX/XXXX, I sent FCO a formal debt validation and ceaseanddesist letter via Certified Mail. Under 15 U.S.C. 1692g, FCO must cease all collection activities until it provides proper validation ( signed contract, proof of ownership, itemized accounting ). FCO has failed to provide any validation. Despite my earlier goodfaith offers and my formal dispute, FCO continues to report this account to the credit bureaus. My personal cell phone is my work device. After receiving my ceaseanddesist, any call during work hours violates N.C. Gen. Stat. 7552 ( 4 ). Relief requested : Immediate deletion of this account from all credit reports. Immediate cessation of all collection and reporting activities until full validation is provided. An investigation into FCOs badfaith refusal to accept reasonable settlement and payment arrangements.

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 2026-04-09 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: NC

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-04-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
About XXXX years ago, I opened an account with Bank of America ( BOA ) in the XXXX and deposited some funds. At that time, I was able to operate the account in XXXX via a mobile app. Later, due to an app upgrade or other reasons, I could no longer log in. Because I was not in the XXXX at the time, I was unable to take any action. In XXXX, the bank closed my account. The address on file was my friends address in the United States, but she had moved, so she did not receive the check that the bank might mail. In XXXX, I returned to the XXXX and visited a branch to inquire about the account. I was told a replacement check would be reissued, and I left a new address, but I never received it. In early XXXX, I visited again and was told a second replacement check would be sent ; I still did not receive it. In XXXX, I visited a third time, and was told a third check would be issued, but it also failed to arrive. In late of XXXX, I asked an officer in the bank and was confirmed that the check had not been approved for mailing, though she was unsure why and suggested me to contact their customer service center. I further had a call with BOAs client care executive response team, and was told that my account has been closed and after XXXX years when the date the account was closed, they will never know any information about this account. Therefore, they can not tell me anything include where my money has transferred to? I tried to search from website missing money.com, but no such funds. Now, I dont know whether or not i can find out where my money go?

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