vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
Account Number To Whom It May Concern, I am writing in response to your communication dated XX/XX/year>, regarding the alleged debt referenced above. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide the following : 1. The amount of the alleged debt, including an itemization of any interest, fees, or other charges.

2. The name and address of the original creditor.

3. Documentation proving that I am legally obligated to pay this debt.

4. A copy of any judgment, if applicable.

5. Proof that your agency is licensed or authorized to collect debts in my state.

Until this information is provided, please cease all collection activities and communication regarding this account. 

This request is not a refusal to pay, but a request for verification. Any attempt to report this debt to a credit reporting agency without proper validation may constitute a violation of federal law.

Thank you for your cooperation. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Account Number To Whom It May Concern, I am writing in response to your communication dated XX/XX/year>, regarding the alleged debt referenced above. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide the following : 1. The amount of the alleged debt, including an itemization of any interest, fees, or other charges.

2. The name and address of the original creditor.

3. Documentation proving that I am legally obligated to pay this debt.

4. A copy of any judgment, if applicable.

5. Proof that your agency is licensed or authorized to collect debts in my state.

Until this information is provided, please cease all collection activities and communication regarding this account.

This request is not a refusal to pay, but a request for verification. Any attempt to report this debt to a credit reporting agency without proper validation may constitute a violation of federal law.

Thank you for your cooperation.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: DC

Complaint narrative:
On XX/XX/XXXX, my Coinbase account was compromised through a sophisticated social-engineering attack involving impersonation of Coinbase support. 

The incident included : - A fake Coinbase verification website - Spoofed communications presented as Coinbase support - Real Coinbase security emails and alerts occurring at the same time - Unauthorized changes to my account security settings- Conversion of my XXXX and transfer of approximately {$2000.00} to an external wallet I reported the incident to Coinbase immediately, within minutes of the unauthorized transfer, and completed all requested identity verification steps, including official Coinbase ID and video verification. 

Coinbase opened a fraud case ( case # XXXX ) and indicated it was under review. For weeks afterward, my account continued to show the case as open and agent working on your request, and Coinbases automated assistant stated crypto-related cases could take up to two months for resolution. My account had this same status well into late XX/XX/XXXX. 

However, on XX/XX/XXXX, I discovered that the case had been marked resolved internally on XX/XX/XXXX. Without any notification, explanation, or written determination provided to me. 

I received : - No email or message stating the case was closed - No explanation of the outcome - No documentation of the investigation - No indication whether the transactions were deemed authorized or unauthorized When I attempted to request documentation or a case summary through Coinbase support, I was told that no documentation could be provided and was redirected back to Coinbase support channels that do not allow escalation or access to fraud decisions. 

This has left me without : - Written confirmation of the investigation outcome - A clear explanation of Coinbases decision - Any formal record of how my case was handled I am requesting : 1. A written explanation of the resolution of my fraud case 2. Confirmation of whether the transactions were deemed authorized or unauthorized 3. The policy basis for the decision to deny reimbursement ( if applicable ) 4. An explanation for why the case was closed without any notification to me I believe Coinbases handling of this matter reflects inadequate communication, lack of transparency, and failure to provide basic consumer protections after a reported fraud involving impersonation of the company itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: MN

Complaint narrative:
XXXX the formal compliant is in this file. 
i have not seen or heard from Sofi as to their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am submitting this complaint regarding Navy Federal Credit Unions handling of a XXXX scam involving business misrepresentation and failure to provide services. 

Between XX/XX/XXXX and XX/XX/XXXX, I sent XXXX payments totaling {$3000.00} for automotive repair services. The total agreed price was {$3500.00}, with {$3000.00} paid upfront to secure scheduling and the remaining {$500.00} due only after completion of the work. No services were ever performed. 

The payments were sent at the instruction of the business, which represented that paying most of the money upfront would allow me to be scheduled sooner. After payment was made, communication became inconsistent and delayed. I was repeatedly told scheduling would be confirmed later. The vehicle was never brought in, no labor was performed, and no parts were installed. 

On XX/XX/XXXX, before any work occurred, the vehicle was seized by police after being confirmed as stolen property. I immediately notified the business and requested a refund of the advance payment. Instead of issuing a refund, the business demanded the remaining {$500.00} balance despite no work being performed and then ceased communication. 

I reported this to Navy Federal. Navy Federal acknowledged the transaction as a XXXX scam and stated the recipients account would be reported or restricted. However, Navy Federal refused to reimburse me for the {$3000.00} despite confirming scam activity, non-performance of services, and refusal to refund by the recipient. 

Navy Federal denied reimbursement solely stating that the transaction is not covered by Navy Federals claims process, despite classifying the transaction as a XXXX scam and confirming that no services were rendered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
The morning of XX/XX/year>, my husband XXXX and I noticed XXXX near-identical unauthorized transactions on our USAA FSB account XXXX in XXXX. This was immediately reported via secure chat. XXXX charges are to various XXXX merchants in the amount of {$24.00} and XXXX ( also to XXXX ) are in the amount of {$25.00}. This should have been an open/shut case. I am honestly surprised USAA did not flag this as fraud on their own as multiple identical transactions in quick succession typically trigger. Dates on the transactions range from XX/XX/year> through XX/XX/year>. The following morning we received a notification from USAA that the fraud claims were denied. I immediately called to request the claim be reopened and also request information on the denial. I received XXXX notifications that the claims were denied because of other similar transactions. Because XXXX near-identical transactions were submitted, this should not have been a surprise. Today, I also received notification that the reopened claim was denied and our temporary credit of nearly {$1100.00} would be reversed next week. We communicated with XXXX separate representatives, all who stated they agreed with us but could do nothing since claims are handled by a different department that consumers are not permitted to interact with. We also send an electronic letter, to no avail. This seems unacceptable, ridiculous, and offensive. We are longstanding customers ( XXXX  years ) who have never abused the fraud claim system ( or any other USAA service ).

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 2026-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Self Financial Inc.
State: TX

Complaint narrative:
Account paid from collateral, removal file from credit, no payments were made, remove as soon as possible Subject : Federal Laws Governing Removal of Credit File Information Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies may include only information that is accurate, verifiable, and legally permissible. Pursuant to 15 U.S.C. 1681e ( b ), agencies and furnishers must follow reasonable procedures to assure maximum possible accuracy. Information that is inaccurate or can not be verified may not remain in a consumer file.

Under 15 U.S.C. 1681i ( a ), when any item of information is disputed, a consumer reporting agency must conduct a reasonable reinvestigation. Any information found to be inaccurate, incomplete, or unverifiable must be deleted from the consumers credit file.

Under 15 U.S.C. 1681c, consumer reporting agencies are prohibited from retaining obsolete information beyond statutory time limits, including outdated adverse items. Information that exceeds allowable reporting periods must be removed from the file. 

Under 15 U.S.C. 1681b, a consumer reporting agency may only maintain or disclose information for a lawful permissible purpose. Information lacking a permissible purpose or lawful attribution may not be retained in a consumer file.

Willful or negligent noncompliance with the FCRA is subject to civil liability under 15 U.S.C. 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: TX

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian , and XXXX  block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items.

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I was trying to get in contact with someone at affirm but no one had let me know that my amount was outstanding. My correct card was on file and there was no reason that it shouldve gone 60 days. They have all of information and failed to attempt to reach out.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
A fraudulent credit card account was opened using my name, address, DOB, and social security number at Barclays Bank Delaware for an XXXX XXXX credit card on XX/XX/XXXX. I did not apply for or authorize this account. I called Barclays and verified the account as fraudulent and asked for it to be closed. 

Barclays did an investigation and deemed the information in the account is accurate and is therefore legitimate. I disputed this further by sending my driver 's license, an FTC report, and a personal statement with my email address, contact information, and an attestation that this account was opened without my consent. 

I did not hear back from Barclays and escalated the issue to Transunion and sent the identical information along with proof of address. I verified that the phone numbers provided through this account opening were false. Barclays contacted me by phone, asked me to personally verify that I did not open this account and it was opened using my information fraudulently. 

By XX/XX/XXXX, the account information was removed from Experian, Equifax, and Transunion. However, Barclays never closed the account, and performed another investigation. They verified the account is legitimate and reported it again to the credit bureaus. I received a letter dated XX/XX/XXXX on XX/XX/XXXX that they are attempting to contact me even though I never received any calls or emails which I have provided. 

As of XX/XX/XXXX, the account was reinserted into my credit reports at Experian, Equifax, and TransUnion with the original open date. This reinsertion occurred after prior deletion and after Barclays had already received my FTC Identity Theft Report, identification, and proof of address. 

I complained to Barclays again on XX/XX/XXXX but no change has been reflected in my credit reports. I asked for what new information they have found to allow a re-insertion but the representative declined to provide any new information. I requested an official letter stating that a fraud investigation is underway with a case number printed for a police report but this request was rejected. They only provided a verbal case number over the phone. 

The XXXX fraudulent charges are {$550.00} and {$400.00} both dated on XX/XX/XXXX. 
The current balance is {$1000.00} due to interest charges over time.

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 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
My Destiny Credit Card account was closed on XX/XX/XXXX due to an alleged failure to provide identity verification. I did, in fact, submit the requested documentation, which the company received on XX/XX/XXXX after receiving a letter in the mail dated XX/XX/XXXX. 

I did not receive written notice that my account was at risk of closure or that my documentation had not been received or accepted. Had I been notified, I would have immediately resubmitted the documents. 

Despite my compliance being within 30 days of the letter I received, the company has stated the account is not reversible and will be reported as closed by grantor. This closure was the result of an administrative timing issue, not consumer noncompliance or risk, and the credit reporting is inaccurate and unfair. 

I am requesting correction of the credit reporting to reflect a neutral closure or removal of the adverse reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
Account # XXXX To Whom It May Concern at Mr. Cooper ( Powered by Rocket Mortgage ), This correspondence serves as a formal certified notice and demand for correction regarding material accounting errors on my mortgage account. 
Despite verified withdrawals from my XXXX XXXX checking account, Mr. Cooper has improperly designated multiple valid mortgage payments as payment reversals.. These entries are false, misleading, and constitute negligent mishandling of consumer funds. 
Payments withdrawn : XX/XX/year> {$1000.00} XX/XX/year> {$1000.00} XX/XX/year> {$1000.00} XX/XX/year> {$1000.00} XX/XX/year> {$1000.00} ( check ) XX/XX/year> {$1100.00} Enclosed are copies of checking account statements, a payment spreadsheet, and proof of the XX/XX/XXXX payment. I demand within XXXX ( XXXX ) calendar days : 1. Proper credit of all payments 2. Removal of penalties or negative reporting 3. Written confirmation of good standing 4. Written explanation of errors Failure to comply will result in regulatory complaints and potential legal action. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Mortgage Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am disputing the accuracy of an account being reported by XXXX XXXX XXXX for an account ending in XXXX. 
On XX/XX/year>, I became aware that XXXX XXXX XXXX was reporting this account on my credit report with a balance of {$100.00}. This debt is not mine, and I have no knowledge of ever opening, authorizing, or being responsible for this account. 
I disputed the account after recognizing it did not belong to me and requested verification. XXXX XXXX XXXX has not provided any documentation establishing that I am the correct consumer, including but not limited to a signed contract, application, billing statements, or proof of authorization tying this debt to me. 
Despite the lack of proof, the account continues to be reported. Reporting an unverified debt that can not be substantiated as mine is inaccurate and violates the Fair Credit Reporting Acts requirement to report only complete and accurate information.

As of today, this unverifiable account remains on my credit report and continues to cause harm. I am requesting that XXXX XXXX XXXX remove this account immediately, as they can not demonstrate that the debt belongs to me or that I have any legal obligation for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
During the last government shutdown, I had a brief lapse in employment that caused me to miss 2 payments. I called Citi bank and asked to get some type of assistance, and they offered to reduce my interest rate to 9.99 % which would reduce my payment to be able to bring the account current. I accepted the offer, but I was not formally informed that Citi bank would close my account permanently when I accepted the offer online. Only to find out that my account was closed when I shopped at XXXX yesterday. I almost was not able to complete my grocery purchase. I called Citi bank and they refused to restore my account and stated that I must reapply for a new credit which it may not be approved for a new card and my credit limit may not be as high as it was previously {$30000.00} dollars. I want citi to be held accountable to prematurely closing my account while claiming that they are offering the type of assistance to keep the account current. Citi has done this before if you remember from my previous complaint against the city

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 2026-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
Improper Collection of Disputed Apartment Charges I am filing this complaint against XXXX XXXX and the collection agency they hired to collect an alleged apartment debt Columbia Debt Recovery LLC dba Genesis. 

I vacated my apartment on XX/XX/year>. The management company assessed excessive and disputed move-out charges, which I formally contested in writing. While the dispute was still active, XXXX XXXX referred the account to a collection agency. 

This referral occurred despite : Written disputes being submitted Habitability issues ( water intrusion and mold ) reported during tenancy Inconsistent move-out dates being used to justify charges Late-night calls from staff that were previously reported Ongoing communication regarding the validity of the charges The collection agency contacted me by phone without providing written validation. I am now formally disputing the debt and requesting validation under federal law. 

I am requesting that the CFPB investigate this improper collection activity, require validation, and ensure this account is not reported to credit bureaus while disputed. 

This debt is not valid, is actively disputed, and should not be collected. 

XXXX XXXX

Company response to consumer: Closed with explanation