vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am disputing a collection account that your agency has reported on my credit file without providing me any advance notice or communication. This is my first awareness of this alleged debt, and I have substantial questions regarding its validity and whether it legitimately belongs to me. Under the Fair Debt Collection Practices Act, I am legally entitled to receive complete verification of any debt your agency claims I owe. I am exercising this statutory right and demanding that you provide comprehensive validation, including documentation of the original creditor, itemization of the amount claimed, and proof establishing my legal responsibility for this debt. Until you furnish proper validation, all collection activities and credit reporting related to this account must cease immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery Associates LLC Threatened a lawsuit and continued harassing me with 6-8 phone calls per day I requested on several occasions they provide a detailed statement of all debt " owed '' which the amount they say owed is way off. 
I need the statements dating back to when the account was originally opened to prove this said debt is inaccurate. 
They continue to call and harass me several times per day and calling my employer asking them about the " debt '' owed. 
They are in violation of the law and I seek to have them eliminate this so called " debt '' in lieu of me seeking legal action. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I.C. SYSTEM, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC 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 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 2026-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: IN

Complaint narrative:
KeyBank and XXXX fitness, KeyBank is authorizing a payment that I never agreed to and I disputed it now, some time passes the dispute goes through and they give me my money back and explain to me that the case was over. Now XX/XX/XXXX later its being took again and authorized for something I never agreed to

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: MS

Complaint narrative:
CFPB Complaint Addendum Subject : Addendum Incorrect Denial of Reopened Disputes by SoFi I am submitting this addendum to my existing complaint regarding SoFis handling of my Regulation E disputes.

After filing the CFPB complaint, SoFi reopened the disputes. However, they have now denied several transactions again using the 60day rule, even though multiple transactions are well within 60 days. This indicates that SoFi is issuing denials without conducting a reasonable investigation, and without reviewing the new evidence I provided regarding the merchants refusal to close my account and the broken XXXX XXXX form. 

This pattern of incorrect denials further demonstrates that SoFis dispute process is not compliant with Regulation E and that the investigations are not being performed in good faith.

I am requesting that the CFPB review SoFis handling of these disputes, including the repeated use of an incorrect denial reason and the failure to consider new, relevant information. 

Thank you for your continued assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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:
Amount claimed : XXXX unclear what portion is interest and fees Columbia Debt Recovery LLC. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Debtor is XXXX XXXX XXXX We live in XXXX. 


When we asked for the information they refused to provide. They only sent a copy of the lease which showed that they were trying to collect a least a portion of the claimed debt for dates beyond the lease term. We vacated the apartment due to mold that accululated after the unit above us flooded, but paid rent for several months while living somewhere else. We included written notice to vacate on our own form because the apartment complex wanted us to take responsibility for the mold on their form. 

The debt collector told me that because of the COVID moratorium they were able to take possession after the lease date and include charges beyond the lease. This is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: AR

Complaint narrative:
There is a {$1200.00} cashapp withdrawal from my checking account with XXXX XXXX. I have logged into my CashApp account and the money is not there, the transaction isn't even related to my account. CashApp pulled the funds illegally from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
I am filing a complaint regarding a serious communication and process failure by my mortgage lender related to an FHA insured mortgage. 

A closing date was scheduled for XX/XX/year>. My spouse and I both took time off work and appeared at the scheduled closing location. Upon arrival, no lender representative or closing agent was present. Only after making inquiries did we learn that the lender had cancelled the closing and returned the loan to underwriting. We received no prior notice of this cancellation - no email, phone call, or text. 

This lack of communication caused unnecessary financial and professional harm, including lost wages and disruption to employment schedules. Despite contacting the the lender by email following the incident, I have not received any explanation. 

This loan is FHA-insured, and the lender 's failure to communication a cancelled closing raises concerns regarding compliance and with borrower communication and servicing standards. I am requestion a written explanation of the cancellation, confirmation of the current status of my loan, assurance that no fees, rate-lock impacts, or penalties will result from this lender-caused delay, and appropriate remediation for the inconvenience and financial impact caused. 

I am seeking prompt resolution and written confirmation of next steps.

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 2026-01-23 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: FL

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 2026-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc.
State: PA

Complaint narrative:
I am disputing a medical debt that was sent to collections while I was actively seeking financial assistance from a nonprofit hospital, XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX is a 501 ( c ) ( 3 ) nonprofit organization and is required to maintain and fairly apply a Financial Assistance Policy. I initially applied for financial assistance in XX/XX/XXXX and was denied based on income. After that denial, I experienced a documented job loss and reapplied in XX/XX/XXXX with updated financial information reflecting unemployment. I was told my application was too late even though the policy states an XXXX application limit, and a staff member, XXXX in the financial department , told me applications could be accepted up to a year. Despite this, they are not giving me a direct answer. 

My appeal and subsequent hardship explanation were ignored, and I was later told it was too late to appeal, despite the material change in my financial circumstances. 

Despite my dispute and hardship appeal, the hospital allowed the account to be sent to collections and collection activity has continued. I was not given a fair or reasonable opportunity to have my updated financial situation reviewed, and collection activity was not paused during this process. 

I am requesting that collection activity cease while this debt is formally reviewed for financial assistance and that the account be returned to the hospital for proper consideration under its Financial Assistance Policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OH

Complaint narrative:
I was the victim of an elaborate fraud scheme and I have reason to believe that my bank ( Chime ) was involved in the fraud. It began last week when i noticed a fraudulent charge for {$81.00} on XXXX. I immediately froze my account and ordered a new card. After receiving my new card in the mail, I activated it and within a day received an automated text from bank asking me to confirm another potential fraud charge for {$280.00} at a XXXX in Florida ( I live in Ohio ). I replied " NO '' to the automated text asking if that transaction was me. A few minutes later, I received a call from my bank explaining that the fraudster did not have access to my bank card like I thought, they could see that the person accessed my whole account and could log in to the app. They explained that they could see on their end that the person had scheduled two transactions for XXXX to wipe out my checking and savings account. They walked me through " reversal transactions '' while telling me I need to reset my account. It wasn't until after I got off the phone that I realized that I was speaking to fraudster posing as my bank the whole time. 

I called my actual bank to explain the situation and to open claim disputes. I spoke to their fraud department and filed a police report based on their suggestion and was told it would take up to XXXX  days to investigate the claims. My claims were immediately denied in less than XXXX hours without explanation and before I could even submit the police report as supporting documents. I called back asking why and they reopened the case but was still denied again less than XXXX hours without any investigation or explanation. When I spoke to their fraud department and explained how incredibly convincing the fraudster was and how he walked me through the process. The person actively working for Chime in their fraud department specifically stated that it sounded like it was likely someone that worked for them ( on a recorded line ). The transactions were all done within their app and they can easily look to see who was on the receiving end of who I transferred my money to but refuse to do so it seems. They also had me enter a very specific code in the transaction explanation. I have reason to believe that this was done in order to flag it internally in their system so the fraudster ( s ) can easily identify and immediately deny the claims that they know are fraudulent in their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I am filing this formal grievance regarding a systemic failure by USAA staff to provide essential assistance during an XXXX XXXX XXXXXXXX and financial crisis. Despite multiple disclosures of my XXXX  situation, I was subjected to robotic, dismissive service that lacked any proactive solutions or trauma-informed care. 

1. Failure of Transparency and Accountability ( Agent : XXXX ) Withholding Information : The agent refused to explain available overdraft options or internal programs, forcing me to " guess '' what help was available rather than proactively offering solutions. 
Refusal of Escalation : My request for a supervisor was ignored XXXX times. When finally addressed, the agent claimed he could not escalate, only to contradict himself later.

Withholding Identification : The agent ignored XXXX requests for his employee identification/ID number, which is a fundamental right of a member for record-keeping. 
Administrative Failure : After requesting a formal grievance and escalation with reference #, I was provided an " associate case number '' that the next department claimed was non-existent, indicating either technical incompetence or an intentional " dummy '' entry to end the chat.

2. Re-traumatization and Lack of Sensitivity Repetitive Disclosure : I was forced to disclose my XXXX  XXXX crisis to XXXX separate male representatives. Despite this, I was met with scripted, robotic responses. 
Lack of Proactive Assistance : Not one representative offered an alternative suggestion, a hardship program, or a " XXXX XXXX '' pathway. 
Disregard for Timely Resolution : I clearly stated I could make a deposit to cover the {$50.00} within XXXX hours ( with the account currently only at - {$5.00} ). Despite the minimal risk to the bank and the extreme risk to my personal safety and health, the request was flatly denied without an attempt to find a workaround. 
3. Professional Negligence ( Member Resolution Team ) The final representative ( " XXXX '' ) admitted to understanding the gravity of the situation but chose to " boil it down to a no. '' This dismissive attitude toward a member in tears, begging for food money in a crisis, is inhumane and a violation of the " XXXX XXXX '' USAA claims to prioritize. 

Video file recording our chat conversation is too large to upload.

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 2026-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was not advised of the higher interest rates available on my account at any time and was only given the lower interest rate when it shouldve been higher and I was not notified of that

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this dispute regarding late payment entries that are currently shown on my credit report. After examining my credit file, I identified several late payment notations that I believe are inaccurate or improperly reported. I contacted the creditors more than 30 days ago requesting verification and documentation to support these entries, but I have received no response and no adequate proof has been provided to confirm their accuracy. I am now requesting your intervention to investigate and correct these disputed items that are negatively affecting my credit profile.

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 2026-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this dispute regarding late payment entries that are currently shown on my credit report. After examining my credit file, I identified several late payment notations that I believe are inaccurate or improperly reported. I contacted the creditors more than 30 days ago requesting verification and documentation to support these entries, but I have received no response and no adequate proof has been provided to confirm their accuracy. I am now requesting your intervention to investigate and correct these disputed items that are negatively affecting my credit profile.

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 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I received a statement from Midland Credit Management for debt collection. The debt isn't mine

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Churchill Holdings, Inc.
State: KY

Complaint narrative:
Summary of the Issue : Churchill Mortgage is inaccurately reporting my mortgage as XXXX  days past due, despite the fact that the months in question were part of an approved deferment. Their servicing department has not corrected the reporting or provided a clear explanation. 

Details : In the XXXX XXXX XXXX, my wife became seriously XXXX Due to this hardship, Churchill Mortgage approved a XXXX  deferment on our mortgage payments. This deferment was formally granted and documented by Churchill Mortgage. After the deferment period ended, we were placed into a special payment plan that was supposed to reduce our interest rate and monthly payment. 

Despite these approved arrangements, Churchill Mortgage began reporting our account as XXXX  days delinquent to the credit bureaus. This reporting is inaccurate because the months they are marking as delinquent were part of the deferment agreement. We have attempted to resolve this directly with Churchill Mortgage, but their servicing department has been unresponsive and has not corrected the inaccurate reporting. 

Impact : This incorrect delinquency is harming our credit, affecting our ability to qualify for credit and financial products. It is also causing significant stress as we have complied with all terms provided by Churchill Mortgage. 

Requested Resolution : I am requesting that Churchill Mortgage : Correct the inaccurate credit reporting with all credit bureaus. 

Provide written confirmation that the deferment period will not be reported as delinquent. 

Review their servicing response and provide a clear explanation of how this error occurred.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: FL

Complaint narrative:
I am disputing a collection account that your agency has reported on my credit file without providing me any advance notice or communication. This is my first awareness of this alleged debt, and I have substantial questions regarding its validity and whether it legitimately belongs to me. Under the Fair Debt Collection Practices Act, I am legally entitled to receive complete verification of any debt your agency claims I owe. I am exercising this statutory right and demanding that you provide comprehensive validation, including documentation of the original creditor, itemization of the amount claimed, and proof establishing my legal responsibility for this debt. Until you furnish proper validation, all collection activities and credit reporting related to this account must cease immediately.

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