vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CapitalJ Inc. dba Juno

Complaint narrative:
I been asking to transfer my funds to my account to XXXX XXXX XXXX XXXXXX/XX/year>. I try to get all requirement they want. After completing the required to send the transfer and all is need is the approval of support, the support threaten me about my funds and he will not approve it until he received amount of XXXX XXXX. I try to escalate it to manager but thr manager comdemn it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am a consumer and long-standing XXXX XXXX cardholder. Between XXXX and XX/XX/year>, I was targeted with extensive marketing from XXXX XXXX and CEO XXXX XXXX promising a 'seamless transition ' from Wells Fargo to the new banking partner, XXXX  XXXX XXXX ( XXXX ). These official communications explicitly stated that my card would remain active and work normally until XX/XX/year>, and that 'no action was required ' for rent autopay to continue. 
The Financial Failure & Undisclosed Blackout : Relying on these assurances, I expected my rent of {$1200.00} to process as usual on Friday, XX/XX/year>. However, the payment was rejected by the bank. I have since discovered that XXXX and Wells Fargo internally deactivated the XXXX/ACH backend service on XXXX XXXX days before the advertised transition datewithout prominent notice to consumers. This created an intentional service gap during which rent payments were guaranteed to fail. As a result, my landlord ( XXXX XXXX ) has flagged my account for a failed payment, jeopardizing my housing status and rental record. 
Deceptive Trade Practices : Upon the launch of 'XXXX  XXXX ' today ( XX/XX/XXXX ), I discovered that the 'seamless ' marketing was used to mask a total product overhaul that materially alters the value proposition. The previously simple rewards model was replaced by a complex 'pay-to-play ' system requiring a 75 % spending-to-rent ratio ( via XXXX XXXX ' ) just to earn the points promised. This 'points paywall ' was not transparently disclosed during the transition opt-in. 
Negligence in Support : Following the payment failure, I have attempted to contact the company multiple times and have been left in a support chat queue for over 25 consecutive hours without a human response. The company has essentially abandoned its customers during a high-stakes banking migration that it intentionally made more complex.

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 2026-02-07 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: OH

Complaint narrative:
They verified it with addresses and names that dont belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Self Financial Inc.
State: VA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against XXXX regarding inaccurate and improper debt collection practices and to request the deletion of this account from my credit report. 
The account in question is being reported inaccurately and/or without proper validation. I have requested verification of this debt, and the collector has failed to provide sufficient documentation proving that the debt is valid, that they have the legal right to collect it, or that the information being reported is accurate. 
Additionally, this account XXXXay be in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), including but not limited to : * Failure to properly validate the debt upon request * Reporting inaccurate or incomplete information to the credit bureaus * Continuing collection activity without proper verification Due to these violations, I am requesting that the debt collector immediately cease collection efforts and permanently delete this account from all credit reporting agencies ( XXXX, XXXX, and XXXX ). 
I am asking the Consumer Financial Protection Bureau to investigate this matter and assist in ensuring that my consumer rights are upheld. Supporting documentation can be provided upon request. 
Thank you for your time and assistance in resolving this issue. 
Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
transunion continues XXXX  report XXXX in which the original creditor have told them XXXX  remove it from my credit report yet they continue XXXX  report inaccurate information within my credit report

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 2026-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I applied for the last XXXX  years XXXX  get help with lowering the payments to make them affordable with my fixed income. Also, asked refinance,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
A sync XXXX XXXX card was opened without my help knowledge or permission

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 2026-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: NRA Group, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> National Recovery Agency XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX RE : Account Number : XXXX To Whom It May Concern, This letter serves as formal notice that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ).

You are hereby instructed to CEASE AND DESIST ALL COMMUNICATION with me regarding the above-referenced account. This includes, but is not limited to, communication by telephone, mail, email, text message, or any other form of contact. 
Under federal law, once you receive this notice, you may only contact me to : 1. Advise that you are terminating further collection efforts ; or 2. Notify me of specific legal remedies you intend to pursue.

Any communication beyond what is expressly permitted by 15 U.S.C. 1692c ( c ) will be considered a knowing and willful violation of federal law and will be documented accordingly. I reserve the right to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, as well as seeking civil damages. 
This letter is not a refusal to pay, nor is it an acknowledgment of the validity of the alleged debt. 
Govern yourself accordingly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: CA

Complaint narrative:
Credit Karma, the Online Credit / Banking Company has my Federal Tax Return locked in a Money Spend Account ( Checking ) I officially opened the account for my Tax Returns, with the idea of moving all my accounting online. However, once my IRS Check was deposited, my account was suddenly locked for suspicious activity. I have spent several days trying to reach customer service. I call, give my identity information, then am placed on hold for over an hour each time without any human response. 

I have no way to access my deposit. My first recorded communication with them was on XX/XX/year>. A receptionist takes my call, verifies information, then puts me on hold with a very irritating music. I've held for over an hour with only automated response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Red Target LLC
State: OH

Complaint narrative:
they are stealing my pay checks. thousands of dollars a month. they make up a balance that is wrong. the previous company wrote off the correct amount of XXXX as pictured and they have unfairly charged me thousands more. and when they did my garnishments they didn't properly serve me and lied and said they served me mail. I didn't know I was even getting a garnishment until my employer told me. the XXXX county courts have failed to help me so far but I'm going to contact them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Owl Bridge Credit LLC
State: TX

Complaint narrative:
disputed an account reported by Owl Bridge Credit , LLC through the XXXX  app. The dispute was marked verified the same day it was submitted. No documentation, contracts, or validation were provided to me showing how the information was verified. A same-day verification raises concern that XXXX  did not conduct a reasonable investigation as required under the Fair Credit Reporting Act. I am requesting deletion of this account.

Owl Bridge Credit , LLC is reporting an account on my credit report that I dispute. I have not been provided validation of this debt, including proof of ownership, an itemized balance, or a signed agreement. Despite this, the account continues to be reported as accurate. This appears to violate the Fair Debt Collection Practices Act. I am requesting deletion of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC.
State: UT

Complaint narrative:
I got a collections notice on an account the creditor being spot loan. Debt is not mine. They even sent an incomplete validation letter to my house. I did more research the loan isnt even registered in the state of Utah. Under Utah law even tribal lenders are suppose to be registered with the state. Got a validation letter yes. But it was incomplete and it lacked evidence that it was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: PayTomorrow, LLC
State: LA

Complaint narrative:
I TRIED CONTACTING THE MERCANT BUT NO PHONE NUMBER TO CONTACT THEM ALSO EMAIL AND RECEIVED NO RESPONSE. ALSO I AM A VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
Throughout XXXX, I have been consistently in contact with M & T Bank 's XXXX XXXX Department to resubmit the same documentation every few months for the Mortgage Assistance Program. It appears that processing backlogs are causing these documents to expire before they are reviewed, resulting in redundant requests. 

- In XX/XX/XXXX, an M & T representative advised me to withhold payments while applying for the Mortgage Assistance program with the XXXX XXXX Department. 
- On or around XX/XX/XXXX M & T Bank 's Loss Mitigation requested that I file an Affidavit of Death of Joint Tenant to remove the deceased borrower from the title to move forward with the Mortgage Assistance Program. On XX/XX/XXXX, I recorded the Affidavit of Death of Joint Tenant per their request. Despite this, a Notice of Default was recorded on XX/XX/XXXX. 
- On XX/XX/XXXX, I was informed by the XXXX XXXX Department a sale date was set for XX/XX/XXXX. However, the XXXX XXXX Department subsequently confirmed discrepancies in their review of the Successor In Interest ( SII ) and updated the system to reflect that our file is approved to proceed with Loss Mitigation.

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 2026-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: GA

Complaint narrative:
I was recently scammed out of my money and my account was frozen, which I believe to be OK because I do understand thats what happens with fraud but afterwards a few days later I got an email recently informing me that my account was closed and I went to speak with customer service about the matter and they informed me that it would get the right person to speak to me or to email me at least and I never received that information and I tried emailing again or talking to someone else again and I never got any response back and I asked if there was some type of way to be able to get my money back as well because I lost a lot. Unfortunately I did not have the conversation between me and the representative that did speak because it was over the phone, but I did make sure to contact them about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CHERRY TECHNOLOGIES INC.
State: FL

Complaint narrative:
I canceled my contract XX/XX/year>. I immediately called Cherry XXXX  who paid XXXX XXXX, XXXX {$16000.00}. I told them I canceled my contract and they needed to contact XXXX XXXX XXXX  to have them return the funds. I was on the phone every single day with Cherry XXXX  and XXXX XXXX XXXX. XXXX XXXX said they never received any documentation that I canceled my contract and I needed to take care of this with the dentist office, which I did on a daily basis to get this cleared up. The dentist office did not refund the monies to cherry financial till around XX/XX/XXXX. I am writing to formally dispute inaccurate information on my credit report. My account liwas mishandled by the creditor and has negatively affected my credit through no fault of my own. I have plenty of documentation to support my disputed case

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MS

Complaint narrative:
There has been several people said, nelnet over charges, put on too much interest on loans, put incorrect loans amounts. I call several time no answer and could not get through.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Selene Holdings LLC
State: VA

Complaint narrative:
Selene sent a response to my complaint ( case # XXXX ) insinuating that my bank institution on XXXX XXXX, a payment of {$530.00} was applied to the XX/XX/year> installment and a payment of {$44.00} as a principal reduction. I make all my monthly payments through my bank and Selene has the responsibility to make each monthly payment that I send in not my bank. A payment was sent to Selene each month on time. How can my bank apply a XX/XX/year> to my XXXX XXXX  monthly payment? My XX/XX/year> payment was made on time, so was my XX/XX/year> payment. I have proof of my bank making the right payment for the right month. My bank let me know that when my payments have been deducted from my checking account thats when Selene has received the payment and none of them were late or made on the wrong month. Selene need to show me proof of my bank so call applying payments to the wrong month. I request documentation from Selene of my bank applying a payment to the wrong month. 

Case # XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Phone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because multiple collection accounts that were sold to XXXX-party debt buyers continue to be reported on my credit report without proper validation despite my formal written dispute to all XXXX credit bureaus. 

On XX/XX/year>, I sent written dispute letter by mail to Experian , XXXX and XXXX disputing accuracy, completeness, and legal reporting of the following XXXX-party collection accounts : : Portfolio Recovery XXXX XXXX XXXX creditor Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX creditor : Regional Finance TX ) : Credit service XXXX XXXX XXXX creditor : just XXXX Texas ) XXXX accounts were disputed because the debts were sold to a XXXX  party companies and neither the credit bureaus nor the collection agencies have provided any documentation validating owndership of the debt, the chain of title, or authorization to report. 

Despite my dispute. the credit bureaus continued reporting these collections accounts as verified, yet i never received any validation documents, including : -Proof of legal ownership -a bill of sale showing transfer of my specific account -a copy of any signed agreement -an itemized accounting of the balance This violates the Fair credit reporting act ( FCRA ) because unverifiable information is being reported as accurate. 

WHY IS THIS A PROBLEM? ( LEGAL BASIS ) Under FCRA XXXX ( a ) when consumer disputed information, the credit bureaus must conduct a reasonable reinvestigation and delete or correct information that can not be verified. 

Under FCRA XXXX ( b ), a furnisher ( including a debt buyer ) may not verify disputed information without conducting a reasonable investigation and confirming accuracy with competent evidence XXXX FDCPA XXXX ( b ) a third party debt collector must cease collection and reporting until the debt is properly validated when validation is requested or disputed In my case the debts were sold to a XXXX  party no validation was provided the credit bureaus marked the accounts as verified anyway the collection accounts remain on my credit reports this indicates that the information is either not verified or the investigation was not reasonable

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 2026-02-08 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
A fraudulent Wells Fargo account was created and funds from that account was used in order to pay rent twice on XX/XX/year>. The account is attached to my old address in XXXX meanwhile during that time I lived in XXXX, XXXX. The charge came about twice and totaled {$21000.00}.

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 explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I am a customer at PNC Bank in XXXX, Florida. On XX/XX/scrub> 2026, {$890.00} was withdrawn from my checking account ( without my knowledge or authorization. Additionally, PNC Bank charged me a {$100.00} fee in connection with this transaction. I was given no prior notice of this withdrawal and have no information about its purpose. I believe this may be fraudulent activity. 
The bank has indicated that this was a court-ordered debt collection. However, I have good credit and have never received any calls, letters, or legal notices from a debt collector. Furthermore, this withdrawal appears to have originated from the XX/XX/XXXXXXXX XXXX XXXX. I have been a XX/XX/XXXX resident for the past XXXX years and have had no connection to XX/XX/XXXX during that time. 
After conducting my own research, I have found information suggesting this could be a fraudulent transaction. I have attached a letter for your review and am requesting that you investigate this matter thoroughly. If your investigation confirms that this is indeed fraud, I respectfully request that PNC Bank return my funds immediately.

Company response to consumer: Closed with explanation