vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I am filing this complaint regarding an account being reported on my credit report by PORTFOLIO RECOV ASSOC for the amount of {$2300.00} and {$1300.00}. I have no knowledge of this account and I have never entered into any agreement, contract, or financial obligation with PORTFOLIO RECOV ASSOC. I have not signed any documents, nor have I provided my Social Security number or personal information to this company for the purpose of opening any account. This account appears to be unauthorized and inaccurately reported on my credit file. Because of this, it is negatively impacting my credit. Under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting the following : 1. Immediate investigation of this account 2. Full validation of the alleged debt, including any documentation bearing my signature 3. Proof that I authorized this account 4. Immediate removal of this account from my credit report if proper verification can not be provided. If PORTFOLIO RECOV ASSOC can not provide signed documentation proving I opened or authorized this account, this tradeline must be deleted from all credit reporting agencies immediately. Please provide written confirmation of the investigation results and confirmation of deletion. Thank you. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
My XXXX account was deactivated while it still contained funds. XXXX informed me that the funds would be held for a certain period of time before being released. However, the expected release date has already passed and my funds are still being held. The total amount currently being held is {$2600.00}. I have contacted XXXX support multiple times through email and their support channels to request an explanation and the release of my funds. Each time I received the same generic response without a clear reason for why the funds are still being held or when they will actually be released. I have complied with all requests for information and have made repeated attempts to resolve this directly with XXXX. Despite this, the funds remain unavailable to me even after the expected release date. I am requesting the immediate release of my {$2600.00} balance or a clear written explanation for the continued hold on my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
In XXXX of XXXX the principal entered into a contract that was misrepresented and XXXX XXXX XXXX along with failure to disclose the terms and intent of that contract/ credit transaction. The instrument was accepted and they failed to protect the interest of the principal and interest. They have received years of overpayments and they have failed to accurately credit the principals account. The servicer have sold the account and created accounts in the decedents name without full disclosure. The original servicer have then transferred and collected all credits inside the account that are actually due to the principal. They have withheld information which has caused the principal harm. They transferred the account and collected on the note over 4 times already without the principals consent. They are holding accounts and they are not returning the interest inside the accounts that are due back to the estate. These corporations are bankrupt and they are now trying to foreclose and seize property ( the physical house ) which was already paid for and settled in XXXX. This is fraud and deception and they are causing harm that is irreparable. They have also filed and recorded false and misleading notices with the county and trying to steal real assets from the people. This is not right. They need to stop and they have no valid lien or even a contract because the trustee needs to sign to authorize any transfer of private property. They have not. Theres Codes that these agencies need to follow or they are in violation. There is no law that allows foreclosure. 15 USC 1692f. they are violating the federal truth in lending and theres no such thing as a late payment 15 usc 1681 and 16 usc1666b. so, the account needs to be corrected. This is federal and they are breaking and violating laws. We have never received the complete file that is required to be sent to the agent/ trustee for the principal. They have an excess of funds that are sitting inside the account that we are coming to claim. This account should not be in foreclosure and they have no right to take something they do not own lawfully. We have sent instruments and notices to settle and close the account, and they are not doing what they are supposed to do. We need this account to be audited as we know exactly what is going on and we have never received a true bill. The statements that they send is proof that there is credits on the account and we have authorized them to apply and settle and XXXX out the account. All the overpayments need to returned to the beneficiary.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I have no knowledge of this debt, I have never received a bill or anything from the collection agency. I have not been to a doctor in over 5 years. I want to know the means of validation, chain of custody, any contracts that Ive signed. The only way I even know this is on my credit report is cause I saw my report. This is not my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Good morning CFPB, I would like to request an investigation into this matter regarding our Mortgage for our home that we have been in for 20 years. We were paying our mortgage in good faith and our loan was transferred to another lender in XX/XX/year>. We understand that mortgages do get sold and transferred to other companies but this transfer is not correct. We were sent letters from our old mortgage servicer that it will be transferred and that the TERMS will be the same, this new loan servicer is now asking for the total amount of {$160000.00} and are requesting an amount that is way more then what we were paying, can you please email or call us as soon as possible. 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 2026-03-06 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am disputing a collection from Transworld Systems Inc. ( TSI ) regarding a balance for XXXX at XXXX ( Reference # XXXX ). TSI provided a move-out statement as " validation, '' but a review of the accounting reveals blatant double-billing and unauthorized charges that violate both the lease agreement and Texas property standards. Specifically : Double Billing for Trash : The move-out statement shows two separate charges of {$600.00} each for " Trash removal '' and " Bulk Trash Removal '' on the same day ( XX/XX/XXXX ). This is a clear duplication for the same service. Predatory Fee Stacking : The company has assessed an " Early termination fee '' of {$2600.00} AND a " Re-let Fee/Broken Lease '' of {$1100.00}. Charging both is an excessive penalty and fails to comply with the duty to mitigate damages. Unauthorized Condition Charges : Charges for " Painting '' ( {$350.00} ) and " XXXX and surrounding resurface '' ( {$420.00} ) are being billed. However, the photos provided by the creditor show only XXXX, normal wear and tear, which is not the legal responsibility of the resident. Failure to Investigate : In their response to me dated XX/XX/XXXX, TSI explicitly stated they " may not have sufficient time to complete an investigation of the alleged inaccuracy. '' Despite this admission, they continue to report this inaccurate and inflated balance of {$13000.00} on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

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 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
A summary and timeline of the events : Between XXXX and XXXX, I deposited a total of {$15000.00} USD to Coinbase to buy crypto assets. At this point, Coinbase was a wallet and XXXX was the exchange so assets had to be transferred to the exchange to trade. These effectively were 2 accounts I owned under the same company. Deposits of XXXX or XXXX in the XXXX CoinbasePro Transaction History reflect moving assets to the exchange. Between XXXX and XXXX, I made a series of losing trades ( see XXXX XXXX Transaction History ) in XXXX, XXXX, and XXXX. These can all be seen in that PDF. The last set of trades were buying XXXX XXXX in total on XX/XX/XXXX and corresponding total sells and closure of that position of XXXX XXXX on XX/XX/XXXX which resulted in {$4900.00} USD as the final account position with no XXXX, XXXX, or XXXX. I can see no other transactions following that and no withdrawals of cash so I'm left wondering where this {$4900.00} USD went. I did not withdraw it and I also checked my bank account statements ( tied to Coinbase ) and confirmed there were no cash deposits from Coinbase from XXXX to XXXX. I only see my deposits to coinbase totalling $ XXXX referenced earlier. I've contacted Coinbase Support in early XXXX and XX/XX/XXXXXXXX and provided them the background and statements and asked them to investigate. They were not able to determine what happened and were generally not helpful in providing any additional information. They essentially repeated the information I provided back to me. Support suggested that I " should use the internal ticket number ending in XXXX to follow up on the status of the investigation regarding the missing funds from your Coinbase account. I contacted Coinbase again today ( XX/XX/XXXXXXXX ), they closed my previous ticket and provided no updates. This internal ticket was created on XX/XX/XXXX, to further investigate your issue. '' and " Visit the Coinbase complaint form at XXXX XXXX XXXX '' which I am planning on doing. There is a section for providing information for your legal counsel in the Formal Complaint Form. Two other items to bring up which are somewhat tangential to the above. There is a transaction shown for XX/XX/XXXXXXXX of XXXXXXXX XXXX. I have no idea what this is about. I did not place this trade. I suspect it's a gift or promotional offer after some brief research but not entirely sure. I have not touched this. However it doesn't seem to change or interact with the events above.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
On XX/XX/year>, my mortgage servicer confirmed that my loss mitigation application was complete. Under Regulation X ( 12 CFR 1024.41 ), once a complete application is received the servicer must evaluate the borrower for available loss mitigation options and provide a written determination within 30 days. More than 30 days passed and I did not receive any written decision regarding the application. I contacted the servicer by phone and was verbally informed that the application had been denied. However, the servicer has not provided the required written notice explaining the decision, the specific reason for the denial, or any information regarding appeal rights. Because the application was confirmed complete on XX/XX/year>, the servicer should have issued a written determination by approximately XX/XX/year>. As of the date of this complaint, no written decision has been provided. I am attempting to work cooperatively with the servicer to resolve the delinquency and retain the property. I am requesting that the servicer comply with the loss mitigation servicing rules and provide the required written determination and explanation of the decision, as well as clearly outline the available options to cure the delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase closed a credit card I've had open with them since XXXX without notification and withoutmy consent. It negatively impacted my credit score by about XXXX points ( It went from Excellent to Fair ). I use it infrequently, but in the past they've always sent me inactivity notices. This time they just closed it without notifying me. No snail mail, no voicemail, no in app secure messages. All the credit reporting bureaus say it was closed in XX/XX/XXXX, so I called right away to sort it out. Chase says it's been closed since XXXX, but I don't think that's the case since I have an up to date card they sent me that exp in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: NV

Complaint narrative:
Validation of Debt Request - ABSRES INV - XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/year>, I deposited 27 business checks into my Chase account totaling {$140000.00}. Chase placed a hold on the funds stating they needed to verify the checks. I provided the contact numbers for the businesses that issued the checks. Chase later informed me that they could not verify the numbers because they were not listed publicly online. It has now been over 30 days and the funds remain unavailable. I have contacted Chase multiple times requesting updates and asking what additional documentation is needed to complete the verification process, but I have not received a clear explanation or timeline. These checks were legitimate business payments and I have fully cooperated with Chase 's requests. Despite this, Chase continues to hold {$140000.00} of my funds without providing a resolution. I am requesting that Chase either release the funds immediately or provide a clear written explanation for why the funds are still being held and what specific verification steps are required to resolve this matter. I cant access the account so i have nothing to upload except for the check sheet.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a formal dispute to the credit reporting bureau on XX/XX/XXXX regarding inaccurate late payment remarks on my credit report. The account ( s ) I disputed are : DEPT OF EDXXXX Account # XXXX Late payment ( s ) reported on XX/XX/XXXX - Date Opened : XX/XX/XXXX DEPT OF ED/XXXX Account # XXXX Late payment ( s ) reported on XX/XX/XXXX - Date Opened : XX/XX/XXXX XXXX XXXX Account # XXXX Late payment ( s ) reported on XX/XX/XXXX - Date Opened : XX/XX/XXXX In my letter, I requested : A reinvestigation of the late payment remark ( s ) Proper verification and documentation of the derogatory reporting A description of the method of verification used, as required by FCRA 1681i ( Section 611 ) As of today, over 30 days have passed and I have not received a response, nor has the inaccurate information been corrected or removed from my report. This failure to investigate and respond violates multiple provisions of the Fair Credit Reporting Act, including : FCRA 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation FCRA 1681e ( b ) Failure to ensure maximum possible accuracy I am now forced to escalate the matter due to the bureaus noncompliance.

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 2026-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
In XXXX I visited the XXXX. The hospital bill went to a collections agency which I verified by matching the account number directly with the hospital. I have been making XXXX XXXX monthly payments on that account ever since. In XXXX, two years after my XXXX visit with no prior billing or notices, Mountain Land Collections contacted me by phone claiming there was an unpaid doctor 's portion of my bill. After several phone calls requesting documentation I instructed them to cease phone contact which they complied with. I eventually received an itemized bill containing only 4 line items with suspiciously round dollar amounts and two {$50.00} credits with no dates, no payment method, and no identifying information. I requested verification of those credits including payment method used and received no response whatsoever. I believe this debt is fraudulent. I have an active court case contesting it and my dispute remains unresolved on both XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year> I transferred money to someone on cashapp after I sent it they put a XXXX in my face and took off. I reported the user and transaction nothing. I told cashapp everything provided screenshots and told them my babies need to eat. They in return told me to ask this very same person for the money back. No account freeze on him or nothing. Told me beg for it back and if I get a no then thats it. How can a company have access to my bank and social info but the money for a real fraud cant be returned. This is stupid. And in scared.

Company response to consumer: Closed with explanation