vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-01 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Lanier Law Firm, LLC
State: NC

Complaint narrative:
I have a data broker class action lawsuit for a ID restoration claim with my property. My management was on delay of payment XXXX XXXX amended tax return fraud. My account was on hold with the reference error log in portal policy was cancelled. I had a business referral from my doctor and missed my payments. My doctor sent a referral for bankruptcy account litigation emotional stressed out with XXXX road. My policy was stolen with insurance fraud of my banking account and healthcare provider information from my account. I have a twin gate data breach report for compromised email and stolen my medical identity and records for account fraud. I have a financial account statement misleading credentials on a restored diplomacy credit advisory blacklisted. I have a barred attorney file a claim for my account but the ID restoration with my XXXX affidavit was showing a healthcare fraud with my Dental employee information. I had a account supervisor from XXXX contact the legal department with the dispute. She claimed the account was not on there records with my insurance policy. I sent a report with my litigation settlement administrator and the account was not showing active insurance policy with my credit report. I wanted to file a fraud against my credit report with my policy account update for cyber liability insurance claim. My account was hacked with a data breach. I have a lawsuit agreement for a retainer agreement but my account was not showing a data breach bankruptcy. So I filed a digital footprint scan with my cyber liability insurance victim assistance member policy. I looked up my medical records and were compromised with a fraudulent claim. I asked to have the account number changed but the payment was delayed. I had a referral from my doctor for an appointment with my account manager. My appointment was canceled because my insurance for up to a year now. So I asked to contact the healthcare specialist with the update with a referral for insurance fraud and malpractice claim from my account data breach ID restoration. I sent to the legal department for dispute but the account was not showing a ID restoration with XXXX  settlement administrator.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
XX/XX/XXXX, I bought items from Old Navy at XXXX near XXXX, XXXX pants that cost XXXXXXXX XXXX  together. When I wanted to pay, the store clerk said that Old Navy was currently was not able to accept any credit card or debit card and even money wasnt accepted as a payment to pay our items. Then, they forced us to use a Old Navy app which they said there was a membership that was an a accepted form of payment. They assured us that the membership wasn't a debit card or credit card but a membership. So we were forced to use the app called " Barclays Old Navy '' and added my debit card number on the app to pay my items. 

XX/XX/XXXX, I check my credit score at both of my banks and was surprised that my credit score had depleted badly rather than my expected score. I checked what happened clicked on the reason why my credit score depleted. Turns out, it said that I haven't paid from XXXX due to late payment! 
XX/XX/XXXX Old Navy US {$25.00} XX/XX/XXXX XX/XX/XXXX Minimum Charge {$2.00} XX/XX/XXXX Late Payment from XXXX 's {$25.00} XX/XX/XXXX XX/XX/XXXX Minimum Charge {$2.00} XX/XX/XXXX Late Payment {$41.00} XX/XX/XXXX XX/XX/XXXX Interest Charge {$2.00} XX/XX/XXXX Late Payment from Barclay 's {$41.00} XX/XX/XXXX XX/XX/XXXX Interest Charge {$4.00} XX/XX/XXXX Late Payment from XXXX 's {$41.00} XX/XX/XXXX This was my payment history. Payment after payments without telling or alerting me. The Barclay 's Old Navy membership was actually a credit card. I just know today about this payments! It gives a payment every month at the XXXX for the late payment and XXXX for the minimal/interest charge. 
I had to pay was XXXXXXXX XXXX of my own hard-earnd money to make my credit score not drop dangerously low. 

Today, when I was calling customer service of Barclay 's Old Navy credit card. I was informed that the CARD HASN'T BEEN ACTIVATED YET, and they offered to activate my Navy credit card to use for Old Navy. I was very confused as why did bills just stacked up without activating the card. If my card hasn't been activated, then bills shouldn't keep coming in my card. The card has never been physically sent to my home address and the billing wasn't alerted and wasn't sent to my house too.

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 2026-01-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Activehours
State: FL

Complaint narrative:
My official payday is Friday, as confirmed by my pay stub. EarnIn initiated a debit on XXXX XXXX, XX/XX/XXXX, several days before my contractual payday. This withdrawal was unauthorized and not consented to. 
EarnIns early debit caused immediate and foreseeable harm, including {$60.00} in overdraft fees, disruption to essential expenses, and unnecessary financial stress. Attempts to justify the withdrawal after the fact based on bank posting behavior or holiday assumptions do not alter my actual payday or my consent. 
Any temporary or courtesy credit issued by my bank is irrelevant. The overdraft fees were triggered by EarnIns early withdrawal, and responsibility for those fees rests solely with EarnIn. 
This conduct raises concerns under the Electronic Fund Transfer Act, Regulation E, and the Dodd-Frank Acts prohibition on Unfair, Deceptive, or Abusive Acts or Practices ( 12 U.S.C. 5531 & 5536 ).

I am requesting : Immediate reimbursement of the {$60.00} in overdraft fees Written confirmation that my payday is Friday, with no debits initiated before that date Acknowledgment that the early withdrawal caused avoidable harm!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the above-referenced account pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ). 

I did not enter into any agreement with Portfolio Recovery Associates, and you are not the original creditor. This account has not been properly validated, and I dispute the accuracy, ownership, balance, and any credit reporting associated with this account. 

You are required to provide full and complete validation, including : Documentation showing my agreement to this alleged debt Proof that you are legally authorized to collect or report this debt A complete itemized payment history and balance calculation Evidence of assignment or transfer from the original creditor to your company Until proper validation is provided, you must cease all collection activity and cease any reporting to credit bureaus. 

Additionally, pursuant to 15 U.S.C. 1692c ( c ), I hereby demand that you cease and desist all communication with me, except as allowed by law to provide validation or notify me of specific legal action. 

Any continued collection, inaccurate reporting, or failure to validate this account will be documented as violations of federal law and may be reported to : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Georgia Attorney Generals Office This letter is not an acknowledgment of any debt, nor is it a promise or agreement to pay. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Advanced Collection Bureau, Inc.
State: PA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXXstep validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I also just dropped out of college recently and noticed this on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
i opened another savings account over the phone and over the almost two months the account was open, i was unable to log into the account or fund it. support put multiple tickets in and kept saying 2-3 business days while saying they were unable to check statuses of old tickets.

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 2026-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
PayPal just literally just shut down my account. For no apparent reason, no warning etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Fairway Capital Recovery, LLC
State: OH

Complaint narrative:
I am submitting this complaint to document a systemic failure by Fairway Capital Recovery LLC to accept written consumer disputes, despite publicly instructing consumers to submit disputes by email.

Fairway Capital Recovery LLC is reporting a collection account on my consumer credit reports that I dispute in its entirety. I attempted to dispute the account in writing using the exact email address Fairway publicly designates for support and communication : XXXX My email was rejected with a delivery failure stating that the domain has no MX record and does not accept inbound email. I have retained the bounce-back message as evidence. 

Despite this, Fairway Capital Recovery LLCs own website expressly instructs consumers to email us at this address for support. In practice, this channel is nonfunctional. 

As a result : I was unable to submit a written dispute electronically Fairway effectively blocks consumers from providing written notice The only remaining channels promoted are phone calls and text messaging, which do not create reliable written records and may expose consumers to inadvertent admissions This creates a serious compliance concern. A debt collector that publicly represents that disputes may be submitted by email, while silently rejecting all inbound email, undermines a consumers ability to exercise rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I attempted to communicate in good faith using the collectors own stated contact method. The failure lies entirely with Fairway Capital Recovery LLCs systems and practices, not with the consumer. 

I am requesting that the CFPB : XXXX. Require Fairway Capital Recovery LLC to explain why it publishes an email address that does not accept consumer communications XXXX. Require XXXXairway to confirm how consumers are expected to submit written disputes if email is intentionally disabled XXXX Review whether Fairway is improperly steering consumers away from written disputes XXXX. Require correction or deletion of the disputed tradeline unless proper validation can be produced I have retained documentation showing : Fairways website directing consumers to email disputes The failed delivery notice confirming that Fairways domain rejects email The disputed credit reporting Note : My initial attempt to email the collector used the spelling capitol instead of capital. I immediately corrected the address and reattempted written contact using the collectors publicly listed email address.

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

Complaint narrative:
In XXXX I paid XXXX XXXX via cash app a total of XXXX. We couldnt agree on a time so I cancelled requested my money back because the services was poor unprofessional. I sent cash a police report and also text messages of the text that she would return the items and put a wreath back in her basement. I asked her again for the money she blocked me. I then reached out to cash app they denied the dispute because they said I said my account was compromised and I didnt authorize the transaction. That was a complete lie I never said anything about my account being compromised. I paid for services and didnt receive them and she never gave me my money back. She bought food with my money and also the receipts say no returns. So how was I suppose to get my money back if I reached out to her and she blocked me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: Chime Inc.
State: IL

Complaint narrative:
XX/XX/XXXX of XXXX  there were XXXX transactions that happened in my account within XXXX minutes! There was XXXX disputes. The first dispute was XXXX and they temporarily credited it to my account. It's still pending, they told me I will have to pay it back.... The second round was denied, they were done pending at a later date from when the first dispute was started. The second claim was for XXXX they denied it. They were transactions to like XXXX different XXXX merchants. I have looked up the merchants. I have no way of finding them to contact them. I don't understand how they could have? Nor have they sent me the documentation of what helped them with their final decision. Please help I did not authorize AN if those transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding a collection account in the amount of {$920.00} related to an apartment I occupied in XXXX. 

I dispute this debt because the apartment became uninhabitable due to severe maintenance failures that were never repaired despite notice. The ceiling collapsed, exposing structural elements and creating a serious safety hazard. 

At the time, I was pregnant and caring for a XXXX  child. Remaining in the unit posed a direct risk to both my unborn child and my young childs safety and health. Despite notifying management, the hazardous conditions were never repaired. 

Due to these unsafe and unlivable conditions, I was forced to vacate the apartment prior to the lease end date for safety reasons. This situation constitutes constructive eviction. 

The amount being collected represents rent for a unit that failed to meet basic habitability standards. Charging rent under these conditions is unjust and inaccurate. 

I am requesting that this matter be investigated and that this collection account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the above-referenced account pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ). 

I did not enter into any agreement with Credit Control Service, and you are not the original creditor. This account has not been properly validated, and I dispute the accuracy, ownership, balance, and any credit reporting associated with this account. 

You are required to provide full and complete validation, including : Documentation showing my agreement to this alleged debt Proof that you are legally authorized to collect or report this debt A complete itemized payment history and balance calculation Evidence of assignment or transfer from the original creditor to your company Until proper validation is provided, you must cease all collection activity and cease any reporting to credit bureaus. 

Additionally, pursuant to 15 U.S.C. 1692c ( c ), I hereby demand that you cease and desist all communication with me, except as allowed by law to provide validation or notify me of specific legal action.

Any continued collection, inaccurate reporting, or failure to validate this account will be documented as violations of federal law and may be reported to : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Georgia Attorney Generals Office This letter is not an acknowledgment of any debt, nor is it a promise or agreement to pay. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Charged upfront or unexpected fees — 
Company: Lanier Law Firm, LLC
State: NC

Complaint narrative:
I have a identity theft affidavit from XXXX tax XXXX. My account was under investigation for account fraud. My account was used to file a breach of contract limited liability claim. My other accounts were victimized from cyber liability insurance fraud with my bank account. I have a cyber liability insurance fraud for my business account being closed from a barred retainer agreement. My account was with XXXX and chime bank. My account had a restricted account access with a refund from a telegram data breach account with combo list XXXX XXXX XXXX account showed deceptive and inadequate security measures to obtain a restriction removal with the account. Some scammer from XXXX claimed to be XXXX XXXX and placed a restriction on my account with a cyber liability claim from my XXXX XXXX plan. I place a flagged down crypto currency complaint with the complexity of the lawsuit for the data breach. The account was not on my email compromised. My account was mislead and forfeited. I filed a case for restoration but my account required a plan to file for insurance claim for cyber extortion. I filed a breach of contract waiver for account liability hack documents to filed with the IC3. But my report was not showing on my credit report with the cyber extortion.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ZIONS BANCORPORATION
State: CA

Complaint narrative:
Questionable and/or unauthorized withdrawals, wire transfers and cashiers checks made on 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 explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: NY

Complaint narrative:
In 2025 my cash app was permanently closed due to terms of violation they said they send me a email to respond but I never received an email

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Synovus Bank
State: FL

Complaint narrative:
Product : Checking and savings accounts Primary Company : Synovus Bank Additional Company : XXXX XXXX Bank Date of incident : XX/XX/year> Time : Approximately XXXX XX/XX/XXXX 
Location : Synovus branch ( in person ) What happened : On XX/XX/year> at approximately XXXXXX/XX/XXXX., a joint Synovus free checking account that I am an owner on was accessed in person at a branch. An amount of {$3800.00} was withdrawn, and the account was subsequently closed without my consent or prior knowledge. 

I did not authorize the withdrawal or the account closure and did not receive any notice before or after these actions occurred. As a result of the withdrawal and closure, the account currently reflects a negative balance of {$140.00}, which I did not create. 

After discovering the closure, I contacted Synovus customer service. I was eventually transferred to a lead supervisor at the call center identified as XXXX, who stated that this was all the information she was able to provide regarding the withdrawal and account closure. 

Separately, a joint XXXX XXXX savings account was also closed without my consent or knowledge, resulting in the removal of approximately {$58.00}. I did not receive prior notice of this closure. 

What I believe the companies did wrong : Synovus allowed a joint checking account to be closed without notice to all account owners and without providing documentation explaining how the account was authorized for closure or why I was left responsible for a negative balance I did not cause. 
Both banks failed to provide reasonable notice or transparency regarding account closures affecting joint account holders. 

What I want : Reversal of the negative balance Reimbursement of all funds removed from the Synovus account Reimbursement of funds from the XXXX XXXX joint savings account Written explanation of how the accounts were closed and who authorized the closures Confirmation that no adverse reporting will occur related to these accounts Appropriate remediation for financial harm and documented distress resulting from these actions

Company response to consumer: Closed with explanation