vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am disputing the unjust closure of my account ( ending XXXX ) with a {$10000.00} limit. The bank cites 'two occasions ' of payment issues, but the second one was caused by their own agent. On XX/XX/XXXX, a {$1000.00} payment was made. On XX/XX/XXXX, I called customer service and an agent explicitly instructed me to make a NEW {$1000.00} phone payment, assuring me the first one would not process. I followed their professional advice in good faith. This caused a {$2000.00} duplicate debit. When I reversed the bank 's error to avoid financial hardship, they closed my account. I request a review of the XX/XX/XXXX call recording and the immediate reinstatement of my account.

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 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: MA

Complaint narrative:
I am filing this complaint regarding an international transfer refund that was not properly completed by Wise. Transfer ID : XXXX The original transfer was made in XXXX XXXX ( XXXX ). Later, the transaction was refunded. However, instead of returning the funds to the original senders bank account ( XXXX XXXXXXXX XXXX, Wise sent the refund to a different bank account at XXXX XXXXXXXX XXXX. This account is not owned by the recipient and is not accessible. It appears to be an intermediary or technical account used internally by Wise or its payment partners to process local transfers in XXXX. The original sender, XXXX XXXX XXXX XXXX, has an account at XXXX XXXXXXXX ( account number ending in XXXX ), which is the correct destination for the refund. However, the refunded funds were not sent back to that account. Because the funds were sent to an intermediary account that neither I nor the recipient can access, the refund was not completed in a usable or valid way. I have contacted Wise support multiple times over the course of more than one month. Despite explaining the situation in detail and providing evidence, Wise continues to respond with generic messages stating that the refund has been completed and advising me to contact the receiving bank. This instruction is not applicable, as the receiving bank ( XXXX XXXXXXXX XXXX ) does not hold an account accessible to the recipient. It is not possible for us to recover the funds through that bank. Additionally, Wise has stated that the funds are no longer with Wise, which is inconsistent with the fact that the funds were sent to an account used by Wise or its partners. At this point, the funds are effectively inaccessible, and Wise has failed to properly complete the refund or provide a valid resolution. I am requesting : - A clear confirmation of where the funds are currently held - A proper refund to the original senders bank account ( XXXX XXXX ) or to my Wise balance - A full investigation into this error and appropriate corrective action Despite repeated attempts to resolve this directly with Wise, the issue remains unresolved. I am seeking regulatory assistance to recover the funds and ensure proper handling of this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: FinCo Services Inc DBA Current
State: MD

Complaint narrative:
I am requesting a full refund of {$2400.00} for the unauthorized transaction that occurred on XX/XX/year>, at approximately XXXXXXXX XXXX on my Current account. This transaction was not authorized, not initiated by me, and I did not benefit from it in any way. I am requesting that the funds be permanently credited back to my account immediately and that my account be restored to the correct balance prior to the fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Fairway Capital Recovery, LLC
State: OH

Complaint narrative:
Per LLC * * Fairway Capital Recovery * * ( reached out under this name only ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) ) but may also be known as XXXX XXXX XXXX XXXX ( public information of buyout ) Debt collection agency tried to reach out, told me what was due and I provided email and information to be contacted, they misspelled information despite use of phoenetic alphabet. As such no information as to where debt would be paid and was delayed on paying, thus my credit score was damaged. I then reached back out and paid the debt to XXXX on XXXX XXXX, XXXX in full : Guarantor Number : Confirmation Number : Amount : Transaction Date : Payment Method : XXXX XXXX {$35.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Guarantor Number : Confirmation Number : Amount : Transaction Date : XXXX XXXX {$63.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Receipt about : blank 1/2 Payment Method : XXXX XXXX XXXX XXXX XXXXXXXX Guarantor Number : Confirmation Number : Amount : Transaction Date : Payment Method : XXXX XXXX {$35.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Guarantor Number : Confirmation Number : Amount : Transaction Date : Payment Method : XXXX XXXX {$250.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX They then called back and told me I had nothing to pay and got verbal acknoledgement of payment in XXXX. They suddenly reached out to me on XX/XX/XXXX and told me to pay the sums of : {$35.00}, {$35.00}, {$63.00}, {$250.00} USD for what I had already paid, and received verbal acknoledgements after I provided the Guarantor numbers yet still was told I needed to pay something somehow. I sent them my reciept to their * * tech support line * * ( DESPITE PUBLIC INFORMATION REPORTING THIS AS A SMALL FAMILY BUSINESS WITH LESS THAN XXXX EMPLOYEES AND 1 IT ), and will be sending in the physical statements of receipt to XXXX tommorrow. I was hung up on by " XXXX '' without any confirmations of payment despite my evidence. The address of Fairway Capital Recovery is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I attempted to evoke the PA SSCRA benefits under title 10 as I am XXXX with the XXXX XXXX, a PA state resident with a valid PA drivers license, and whose first enlistment was served in XXXX XXXX, PA. The notice I received in the mail references Federal SCRA and not State SCRA, PA benefits covered in my letter ( template attached along with original enlistment and latest reenlistment ). ShellPoint refuses to recognize PA SSCRA benefits, but their company falls under the purview of XXXX XXXX. who has recognized PA SSCRA benefits. I have an outstanding dispute with ShellPoint as their communication was lacking, their website allows for online requests of documents, but according to their customer service phone line the available options online are not truly options and you must call. I was erroneously charged {$170.00} in per diem charges from my wired pay off to the date that they actually applied my payment. I should not be penalized and they should not be authorized to receive interest on my on time payment.

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 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tenaglia & Hunt, PA
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX. ( NJ ) is collecting on a NY judgment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Supreme Court, Index XXXX ( their file XXXX ). They provided a payoff of {$3400.00} due by XX/XX/year>. I paid in full via their payment portal as two payments due to portal limits : {$3200.00} and {$160.00}. Both payments have posted/cleared on XX/XX/year>. After payment cleared, I repeatedly requested written confirmation that the account is paid in full, confirmation they will file a Satisfaction of Judgment, and written release/closure instructions to the XXXX XXXX XXXX XXXX XXXX , because the Sheriff confirmed they received an execution and were in process of sending it to my employer but said they can not close the file without counsel instruction. XXXX XXXX XXXX has not confirmed release/closure or Satisfaction filing, creating risk of wrongful enforcement despite payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
On XX/XX/year> my cashapp said that my account is restricted and can not transfer funds that I already had on my Cash App account. I called cashapp to let them know the issue they did nothing to escalate my issue further and that is when they told me to give them 48 hours to look over my. After one week of not hearing back from cashapp, I took the initiative to give the a call and then they explained to me that I was forever banned from cashapp with no explanation or reason. I have been a loyal customer with cashapp for the last 4 years and used it many times with friends and family as it makes it convenient for us to transfer and send money to each other. I demand my situation to be further looked into further and given an explanation for my account being restricted and to be legally further looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Since I never gave permission for these false accounts and fraudulent inquiries to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block. This is my personal request, and I already included my documents for you to verify and consider. Also, I am submitting this follow-up complaint to clarify and correct the companys inaccurate claim that my dispute was submitted by a third party.

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 2026-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Since I never gave permission for these false accounts and fraudulent inquiries to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block. This is my personal request, and I already included my documents for you to verify and consider. Also, I am submitting this follow-up complaint to clarify and correct the companys inaccurate claim that my dispute was submitted by a third party.

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 non-monetary relief
Consumer complaint received 2026-03-31 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: Dave Operating, LLC
State: GA

Complaint narrative:
On XX/XX/year> I authorized a payment that I thought was for my mortgage payment but I found out on XX/XX/year> that it was a scam. I called my bank and they stated that they could not stop the transaction. The transaction is still in a pending statue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates , LLC regarding two alleged collection accounts they claim to have purchased from XXXX XXXX XXXXXXXX. I mailed written debt validation / dispute requests to Portfolio Recovery Associates for the following accounts : Account ending XXXX Account ending XXXX In my written requests, I formally disputed the alleged debts and requested full validation, including but not limited to : proof of the alleged debt, a copy of any signed agreement or contract, a full itemized accounting, documentation showing their legal right to collect, chain of title / assignment records, original creditor information, payment history, purchase / assignment documentation, and other supporting records necessary to validate the debt. These requests were sent by certified mail, and I have proof of mailing and delivery. Portfolio Recovery Associates has not properly responded to my last request and has failed to provide the documentation necessary to validate the alleged debts despite being placed on notice that the accounts were disputed. Their failure to provide adequate validation while continuing collection activity and/or furnishing information to consumer reporting agencies raises serious concerns regarding compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I dispute the accuracy, validity, and enforceability of these alleged accounts until full validation is provided. Portfolio Recovery Associates may be violating : FDCPA 15 U.S.C. 1692g failure to provide adequate validation of the alleged debt ; FDCPA 15 U.S.C. 1692e use of false, deceptive, or misleading representations if reporting or collecting without sufficient substantiation ; FDCPA 15 U.S.C. 1692f unfair or unconscionable collection conduct ; FCRA 15 U.S.C. 1681s-2 furnishing inaccurate or unverified information to consumer reporting agencies after dispute ; FCRA 15 U.S.C. 1681i / 1681e ( b ) as applicable if the disputed data remains inaccurately reported through the credit reporting process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Central Research Inc
State: VA

Complaint narrative:
Beginning XX/XX/2026, I contacted my loan servicer ( CRI ) four times by email because I am unable to access my online account. When attempting to create an account, I receive errors stating either that my information does not match records on file, or that an account already exists. Attempts to recover a username or reset a password loop back without resolution. I have tried multiple email addresses and phone numbers as suggested. I am currently living in XXXX. My phone carrier does not support calls to U.S. numbers, making CRI 's phone support and the Federal Student Aid line completely inaccessible to me. I also can not use CRI 's live chat feature, as it requires logging in which is the problem I am attempting to resolve. Each of CRI 's four email responses has consisted of generic troubleshooting steps I had already completed, or directions to call a phone number I can not reach. No human representative has reviewed my account. CRI has not provided any email-based identity verification process or alternative resolution path despite my explicit requests. My loan is now at risk of default through no fault of my own. I have also attempted multiple times to file a complaint with the FSA Ombudsman online, but that form returned an error stating the page was unavailable and did not submit. I am requesting that CRI resolve my account access issue via email and waive any fees or delinquency marks accrued during this period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I attached a letter on XX/XX/year> that explains everything in detail. Please read the letter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
on or about XX/XX/year> I accidently sent {$530.00} to the wrong account ( XXXX XXXX ). I immediately reached out to CashApp and submitted a request to have the money returned. The agent was not very helpful and told me that the transaction had already went through and that I should contact my bank. I contacted XXXX XXXX, who initiated a chargeback request to CashApp and after XXXX days received a notice from the bank that it was denied by CashApp. I then appealed ( XXXX ) with XXXX XXXX internal process to try and have the money returned but the request was denied. CashApp required the reciever to call in to assist the returned and when XXXX XXXX called, she was not able to be authenticated as she claimed to no longer have access to that CashApp account, as her phone number had changed and the code they sent, was to an old phone number. Cash App would not confirm that the money was actually withdrawn from their platform, as required by the receiver, so I could not proceed with a case against the recipient to have the money returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NH

Complaint narrative:
I am filing this complaint because Portfolio Recovery Associates ( PRA ) continues to report two accounts to the credit bureaus without proper validation and in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I requested validation from PRA via certified mail. PRA responded with generic, incomplete documents that do not validate the debt, including old billing statements and pooled purchase agreements that do not show ownership, do not provide a chain of title, and do not verify the accuracy of the information being reported. PRA is legally required to obtain and maintain accurate documentation prior to furnishing information to the credit reporting agencies. PRA has failed to do so. PRA continues to furnish and reverify inaccurate information with TransUnion and Equifax, despite being unable to validate the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
on XX/XX/XXXX i made an order on XXXX with my suntrust card when it was still suntrust XXXX. XXXX later refunded me on XX/XX/XXXX to my suntrust card when the bank had changed to truist. The refund totals on XX/XX/XXXX were {$1500.00}, {$970.00} and {$640.00} from XXXX. I contacted XXXX and they acted completely clueless as if they didn't know what I were talking about but on XXXXXXXX XXXX site I see completed refunds back to my suntrust card ending in XXXX. My suntrust account number was XXXX and it merged into truist and it's the same account number XXXX

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 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
Issue : Misleading loan payoff information and risk of wrongful delinquency reporting Complaint : I am filing a complaint regarding misleading and inconsistent information provided by my auto loan servicer, Toyota Financial Services. On multiple occasions ( Phone calls placed in XXXX, XXXX, XXXX ), I contacted the company to ask what would happen when my loan reached its maturity date. I was clearly and repeatedly told by representatives that I could continue making my regular monthly payments after the loan term ended, and that the remaining balance would simply continue to accrue interest. Based on this information, I relied on their guidance and did not prepare to pay the full remaining balance in a lump sum. I am now being told that if I do not pay the full payoff amount of approximately {$2900.00} by the end of XXXX, my account will be reported as past due. This is not the first incident in which a representative has provided misleading information that led to an impact on my finances and XXXX XXXX, as a previous incident occurred with XXXX XXXX. The most recent statement also reflects that I have XXXX months left on my loan, as of XX/XX/year>, but then contradicts itself by stating my loan maturity date is XX/XX/XXXX. This directly contradicts the information I was previously given and places me at risk of financial harm, including negative credit reporting, due to the companys inaccurate or misleading statements, on monitored and recorded lines. I also requested that the call transcripts be provided, and the request was denied. I believe I was misled about the terms and consequences of my loan payoff, and I relied on that information to my detriment.

Company response to consumer: Closed with explanation