vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX filed for XXXX right after I started my treatment plan. They completely closed down. I was not rendered any of the promised services because the company no longer existed after filing XXXX. The retainers I received I could not fit and they weren't able to replace them or provide me with a dentist because they closed down. I had no way to dispute the payment plan we originally agreed to because again they were no longer a functioning company. After they filled XXXX they sold the already paid debt to a company called TekCollect. They have harassed me via phone and email about the debt consistently since XXXX XXXX closed. I sent them 2 certified letters requesting that they provide proof of the debt being owed and I requested that the collection be removed from all 3 of my credit reports. They were only able to provide my original contract. Which was voided once XXXX filled for XXXX and closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am disputing the accuracy of the following information on my credit report. The accounts listed below are inaccurate and should be investigated for proper reporting according to the Fair Credit Reporting Act ( FCRA ). Inquiries : XXXX XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX Date : XX/XX/year> XXXX Date : XX/XX/year> Late Payments : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am filing this complaint against PayPal for failing to honor its Purchase Protection policy regarding Paypal transaction ID XXXX. Per the email written confirmation agreement with the merchant, XXXX XXXX XXXX, the item was required to be shipped via USPS with insurance ( screenshot below ). The seller provided a tracking number from XXXX XXXX that claims the item was delivered. This is a known " fake tracking '' scam. I live in a gated community where all outside deliveries ( except major carriers like XXXX ) must be cleared through the gate. There is no record of any XXXX XXXX or third-party delivery attempt at my gate on the date claimed ( screenshot below for the date delivery claimed ). Furthermore, the seller provided no photo verification or signature of delivery. PayPal 's automated system ignored these physical impossibilities and accepted the " delivered '' status at face value, failing to protect me from a documented shipping scam. I opened a dispute with PayPal ( Case # XXXX ) and provided clear evidence that the seller failed to meet the shipping requirements ( insured USPS delivery ). PayPal 's automated system ignored this evidence, provided only canned responses, and closed the case without requiring the seller to provide valid proof of delivery to my specific address, or the USPS tracking number that was to include insurance so that I could pursue that avenue for merchandise or reimbursement for un-delivered merchandise. Furthermore, I attempted to resolve this through formal channels by sending a certified letter to PayPals corporate legal department at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This letter was delivered on XX/XX/year> ( screenshot below ), yet PayPal has refused to acknowledge or respond to this formal Notice of Dispute. PayPal has effectively facilitated a fraudulent transaction by refusing to verify delivery or enforce the agreed-upon shipping terms.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rausch Sturm LLP
State: MA

Complaint narrative:
Didn't get anything that they have right to collect on this depth and Didn't get a letter with my signature attached that stated the depth is mine and the amount is {$1500.00} and the date is XXXX I ask for a letter with my signature and proof that they own this depth and didn't received nothing.

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 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AR

Complaint narrative:
I submitted a request for a loan modification around XX/XX/XXXX. I was granted a three-month trial plan that allowed me to make reduced mortgage payments for three months to bring my account up to date. I complied with this requirement and completed a trial period statement accepting the new loan amount, along with a loan modification statement on XXXX. I fulfilled all necessary steps. However, I received a letter on XX/XX/XXXX indicating that my trial plan was canceled because I supposedly declined the program, and I was warned of immediate foreclosure if I did not pay the outstanding balance of approximately XXXX XXXX dollars. I contacted Carrington Mortgage to clarify that I never canceled my plan and had completed all required steps. After a thorough review of my account, it was determined that I had indeed met the trial requirements, but a new review was conducted, and I had not signed the new modification form, which led to the closure of my trial. Upon further investigation, Carrington Mortgage acknowledged that I was never informed about the new review, and no new form was sent to me via mail or email. They did not reach out to me regarding this matter. I tried to have my trial plan reinstated, but unfortunately, it can not be reinstated due to FHA guidelines, which means I may lose my home because of their negligence. I fail to understand how I can be held responsible when I was unaware of a new review and did not receive a new form to sign. Additionally, all forms sent to me by Carrington Mortgage are available in my account portal, which demonstrates that they did not inform me or send a new modification form. I firmly believe that I should not lose my home due to the errors of the mortgage company. Please assist me!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I had a Bread Financial XXXX XXXX card. I moved and locked my card, since it had been displaced. I had found it after moving in 2024. The card had since expired, so I put it in the trash. I assumed that a replacement card had been sent to my old address, so I updated my mailing address in the app. I also sent a message through the app, as it seems to be the only way to contact them, but they said it couldn't be sent. My app still shows my account as open with the same credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: GA

Complaint narrative:
After a long four years of going through the XXXX process I was finally approved and received a check for {$15000.00}. The very next day on XX/XX/XXXX I went to open up an account with Truist bank. The account was established and I was told that a portion of my funds would be available the next day for withdrawal so I went the next day to withdraw the funds that should have been available to me and was told the account was currently under a block and I had to call back after 7-10 business days. I waited that period of time and wasn't given any other information upon calling I was told to go into the bank. Once at the bank I was told I needed to provide the letterhead from where I got the check and that was on XX/XX/XXXX which I gladly provided the same day immediately. After sending in what I was asked and calling to update the status I was told again to go into the bank and ultimately I was told the account was suspected of fraud due to the fact that my address on my ID includes an Apt number but the check didn't, however this is explained by the fact that I have a private landlord and live in a duplex style home and live in the basement apartment so sometimes mail will display the regular address or it will show it with my unit number but its all the same address. I then provided them with a signed statement from my landlord along with additional documents proving this discrepancy. So after all of this and waiting to have this resolved I was finally told the check for the remaining funds was mailed out on XX/XX/XXXX and it would be 7-10 business days until I receive it. I waited during this period and never received the check and after calling I was told well actually it wasn't mailed out until XX/XX/XXXX so to adjust the time period accordingly. After again waiting the period allotted and not receiving the check I went to the bank again on XX/XX/XXXX and spoke with the Branch manager and she said the check was more than likely lost and she submitted for a declaration of loss but she is yet to receive it a week later. I am currently 3 months behind on rent and bills given that I had to give up my job once my XXXX was approved and this has simply gone on entirely too long.

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 2026-02-19 00:00:00
Product: Mortgage — Conventional home 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: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
* I am a * * widowed surviving spouse * * * I am * * on title * * * XXXX XXXX XXXX XXXX has * * death certificate and deed * * * They changed the mailing to the estate * They are * * refusing loss mitigation unless i assume * * the loan. * This violates * * successor-in-interest protections * * I have complete hardship request for modification and loss mitigation they keep kicking it into the assumption they said I must assume the loan in order to qualify for loss mitigation. They told me on today XXXX XXXX Manager XXXX said CFPB lawns don't apply to them. They are refusing to help me unless I assume the mortgage. I contacted them XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Via phone calls.. certified letters constantly applying for hardship but being denied unless I assume the loan. -- -

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: PA

Complaint narrative:
In XX/XX/year>, I opened a new Chime checking account using a referral link. The app advertised that the referring account holder would receive {$300.00} and I would receive {$100.00}. I completed all required steps, including a qualifying direct deposit, but the {$100.00} referral bonus was never credited to my account. When I first contacted Chime customer service by phone, I was escalated to a supervisor who told me that the bonus was also dependent on activating a new debit card, and that I would need to call back once that was done. After activating the card and calling back, I was escalated to a supervisor again, but was told I had waited too long and now the issue could no longer be resolved. I also attempted to use the in-app chat several times, including the day I activated the debit, but it would not allow direct contact with a representative through chat.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: OH

Complaint narrative:
Account name PROCOLLECT , INC Account number XXXX Account type Collection Responsibility Joint Date opened XX/XX/XXXX Status Collection account. Status updated XX/XX/XXXX XXXX {$5500.00} XXXX updated XX/XX/XXXX A laptop was stolen from my place of employment back in XXXX. Since then, my identity has been compromised. Unknown addresses, phone numbers, accounts etc. have been showing up on my credit reports since then. I have been working endlessly to get this resolved, but I haven't had any success.

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 2026-02-19 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: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
There was a charge to my Target credit card in XX/XX/year> which is under dispute ( unresolved ). There are multiple late notices filed with the three ( 3 ) credit bureaus in violation of the Fair Credit Billing Act ( FCBA ) AND they are charging me monthly late fees associated with the single, fraudulent charge. NOTE : although the account is reported as 90+ days delinquent there has been no attempt by the creditor to contact me for payment, suspend the account, or to refer my account to collections. Due to the reported delinquency and increasing balance ( related only to the late fees being assessed ), my credit score has plummeted over 100 points in the past 2-3 months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: DC

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I have reviewed my credit report and found this unverified item that I believe are negatively affecting my credit standing. I kindly ask for this to be investigated, block or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
NewRez services my home loan. On multiple occaisons they have placed Lender Placed Hazard insurance on my account while they were paying my chosen insurance through the escrow account simultaineously. This year NewRez raised my escrow payment from $ XXXX to $ XXXX, my taxes stayed the same and my insurance when down by {$1000.00}. My escrow account shows Lender placed Hazard insurance again. A company called XXXX XXXX. I sent a message through their website and received a short vague message back saying my account was correct. And there was no way to reply to that message. That communication has since disappeared off my NewRez account. I have been on hold for 2 hours. This has to be resolved, I should not have to pay {$800.00} more a month, and I can not spend an entire morning on hold waiting for them to answer my call. Thank you.

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 2026-02-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: AZ

Complaint narrative:
I was given a check to deposit but it was no good but was not my fault. I also was using my bitcoin more and i thought thats why its there Or is it not? Ive never had a issue untill now all because i send money to new family members my account gets closed. It has affected my family big time because thats the only way i can send money to my daughter and she lives out of state. Its the way my husband and i banked because he doesn't trust an actual bank and i finally got him to get a cashapp card then this happened. I was setting up my stuff for work to go through my cashapp because thats the easiest wat for people to pay in today world. So Cashapp closing my account has affected me and my family tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This is 3rd party collections agency case that was dismissed and is still reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I paid {$250.00} for a service called XXXXXXXX XXXX XXXX XXXX XXXX. The appointment was scheduled for XX/XX/XXXXXXXX at XXXX, but the provider did not show up and the service was never delivered. Since that date, I have tried multiple times to resolve the issue directly with the merchant. I contacted them through XXXX, email, and their internal messaging system. These are the only contact methods they provide. I also asked for an alternative contact, but they stated that none exists. Their responses have been repetitive and vague. They only say they will escalate the case, but they have not provided a new appointment date or a refund. I have written proof of all communication attempts and their nonresponsive replies. I contacted my bank ( Chase ) to dispute the charge, but they informed me that because the payment was processed as an ACH transfer, they could not initiate a standard dispute. At this point, I have exhausted every option available to me as a consumer. I have made repeated, documented attempts to resolve this directly with the merchant, but they have not provided any concrete solution. I am requesting assistance from the CFPB because I have paid for a service that was never provided, and the merchant is refusing to issue a refund or offer a resolution. I am seeking support in recovering the funds for this undelivered service. I can provide screenshots of the payment confirmation, the appointment details, and all communication attempts. Thank you for your assistance. XX/XX/XXXX : You notify them the appointment was missed XX/XX/XXXX : They say theyll send it to the team XX/XX/XXXX : You follow up XX/XX/XXXX : You follow up again XX/XX/XXXX : You follow up again XX/XX/XXXX : You request a refund if no solution XX/XX/XXXX : They admit theyre only a communication channel XX/XX/XXXX : You ask for a real contact XXXX XXXX : You warn youll escalate XX/XX/XXXX : They send the same vague apology again

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: SC

Complaint narrative:
CBE GROUP is falsely reporting on my credit. I have never had any accounts with them. Per my research CBE GROUP 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 2026-02-19 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:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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