vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX XXXX  Portfolio Recovery ( XXXX ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : FORMAL DISPUTE COLLECTION ACCOUNT INACCURATE / NO XXXX Debt Buyer : Portfolio Recovery Associates Original Creditor : XXXX XXXX XXXX 
Portfolio Acct. No. : XXXX Balance Claimed : {$2100.00} Date Placed : XXXX To Whom It May Concern : XXXX. This tradeline reports a {$2100.00} collection opened XXXX for a XXXX credit-card debt. XXXX charged off the account more than XXXX months ago and never filed IRS Form XXXX as required by 26 U.S.C. 6050P. Because the identifiable event occurred prior to XXXX, the absence of a XXXX makes the collection amount and tax treatment incomplete and therefore inaccurate under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 
XXXX. Portfolio Recovery must provide : ( a ) a copy of the XXXX XXXX filed with the IRS ; XXXX b ) the complete chain-of-assignment from XXXX to Portfolio; and ( c ) the final account ledger showing how the {$2100.00} balance was calculated. Failure to furnish these documents within XXXX  days constitutes willful non-compliance and subjects both Portfolio and XXXX  to statutory damages of {$1000.00} per violation plus actual damages, costs, and attorneys fees under 15 U.S.C. 1681n. 
XXXX. Until the investigation is complete, suppress this collection from any credit report issued to third parties per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 
XXXX. If Portfolio can not produce the XXXX, delete the entire tradeline immediately ; the debt is legally uncollectible and unreportable. 
Enclosures : highlighted XXXX page, drivers license, utility bill.

Sincerely, Bill Mollie

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: OK

Complaint narrative:
XXXX XXXX for XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My name is XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I didn't authorize these purchases and I don't live in the states they number was used in. I want a full refund immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Penn Credit Corporation
State: FL

Complaint narrative:
Penn Credit Corporation is attempting to collect on Ticket Number XXXX / Case Number XXXX while improperly using my federally protected trademark name, XXXX XXXX XXXX, XXXX Serial Number XXXX, without authorization, license, or lawful basis. 

This constitutes false representation of identity, misuse of a federally protected trademark in a commercial debt collection activity, and unfair and deceptive practices. 

Despite written notice, XXXX XXXX has failed to provide lawful validation, proof of authority, or a complete accounting of the alleged obligation. I issued a Notice of Rights Reserved and Demand for XXXX pursuant to UCC 1-308 and 9-210, which remains unanswered. 

Their conduct violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e and 1692f ) and CFPB XXXX standards by using misleading representations and attempting to collect without lawful standing or disclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: OH

Complaint narrative:
Talking with an agent for cash app I was told my contact phone number to an account was XXXX a phone number I never had. 

Along with cash app my XXXX XXXX prepaid account was also changed of contact info and I believe this number was on account. 

On another account the agent said it was created from XXXX XXXX XXXX  in XXXX, XXXX  and she insisted to tell me it would've had to be from that address that the account was made and verified but I haven't been to XXXX  in years or use the address. The agent said the address was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
To Whom It May Concern, I am writing to address two auto loan accounts with your institution. Both of my vehicles were totaled, and both loans included GAP insurance. For reasons that remain unclear, the GAP coverage was denied by your company. The corresponding insurance payments were issued directly to you to cover the remaining loan balances, with GAP intended to bridge the difference.

Due to the total loss, I subsequently financed two new vehicles and am unable to continue servicing the two existing loans. I have provided all relevant documentation to my attorney as part of a potential legal action related to this matter. 

I respectfully request a thorough review of these cases and a clear explanation of why the GAP coverage was denied, as well as potential options to resolve the outstanding balances in a fair and timely manner. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: Block, Inc.
State: SC

Complaint narrative:
Cash App has frozen my account with my personal funds inside. I can see the balance but can not withdraw. Support has closed multiple cases without explanation and refuses to release my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Re : Hardship Accommodation Request Barclays AAdvantage & Barclays Arrival Accounts XX/XX/2025 I am a XXXX  consumer living in XXXX XXXX XXXX  on a fixed Social Security income of less than {$1500.00} per month. I lost my business during the COVID pandemic and, due to my to return to work or restore it since then. I contacted Barclays to request a non-delinquent hardship program for my two credit card accounts ( Barclays AAdvantage and Barclays Arrival ). Despite my documented financial hardship, I was informed that no assistance would be offered unless the accounts first became delinquent, which would unnecessarily damage my credit and create additional hardship. 
After being advised that delinquency was required to access any form of relief, I discontinued automatic payments, and the accounts subsequently became one payment past due. Barclays then offered a limited interest-rate reduction ; however, no meaningful hardship options were provided, such as an affordable long-term payment plan, balance accommodation, or a discounted settlement to resolve the accounts. While the interest reduction slightly lowers the monthly payment, it does not adequately address my financial circumstances. I have requested copies of my account statements from the inception of each account to review the total interest paid relative to principal over the life of these long-standing accounts. I have also submitted New York legislation addressing the inadequate treatment of fixed-income seniors by credit card issuers-particularly where long-term, historically compliant consumers are subjected to arbitrary rate increases and denied reasonable hardship accommodations. 
Requiring consumers to become delinquent before assistance is provided constitutes an unfair and harmful practice, particularly for seniors living on fixed incomes. I am requesting intervention to seek a reasonable hardship resolution that is more appropriate than the limited interest reduction offered, and to request that Barclays take steps to prevent unnecessary credit damage caused solely by its policy of requiring delinquency before assistance.

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 2026-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: FL

Complaint narrative:
I am filing this complaint against Tek-Collect Inc. regarding a collection account for XXXX ( XXXX ). The original creditor, XXXX, declared bankruptcy and ceased operations in XX/XX/year>. 

My contract with XXXX was for a service that included a " Lifetime Smile Guarantee '' and ongoing professional orthodontic supervision. When XXXX shut down, they breached this contract by failing to provide the promised services, warranty, and professional oversight required to use the product safely. 

Under the FTC " XXXX XXXX '' ( 16 C.F.R. Part 433 ), Tek-Collect is subject to the same claims and defenses I have against the original seller. Because XXXX breached the contract by failing to deliver the agreed-upon service, this debt is legally invalid. 

I have already attempted to dispute this debt with the credit bureaus ( Experian ), but the debt was verified without a proper investigation into the validity of the underlying contract. Tek-Collect continues to report this invalid debt and has failed to provide proof that the full services and warranty 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 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
TRANSWORLD SYSTEMS INC is falsely reporting on my credit. I have never had any accounts with them. Per my research TRANSWORLD SYSTEMS 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 response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In XX/XX/year> I got a home loan from wells fargo ( the mortgage broker from Wells Fargo ). My payments where affordable at first. Then a few years went by and my payments went to almost double. I asked why to the broker who gave me the mortgage and he said " well I gave you the best one to get the house " which it was not. It was a Negative Am loan in which none of my payments ( which I never missed any for over 10 years ) went to Wells Fargo and their fees and interest ( none where applied to any of the principle ) so {$350000.00} went right to wells fargo and not to my {$56000.00} loan. I got a lawyer and even wrtoe to XXXX XXXX XXXX XXXX XXXX XXXX XXXX since she & he where both fighting for the rights of people who where throw into the negative am loan and then forced to either go into forclosure or pay the double amount.

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 2026-01-08 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: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
On XX/XX/year>, First National Bank of Omaha posted a completed funds transfer debit of {$190.00} from my individually owned checking account to cover an overdraft on another account. Although I am a joint owner on the other account, my account is solely owned by me and was explicitly set to block overdrafts. 

FNBO processed this transfer anyway, which overdrew my account by {$2.00}, directly violating my overdraft settings. I did not authorize any funds transfer that would override my overdraft block or cause my account to go negative. 

FNBO has labeled this transfer as authorized but has not provided documentation showing I consented to allow funds transfers from my solo account that override overdraft protections. Any joint ownership or guardianship relationship occurred years ago and does not waive my account-level opt-outs. 

I am disputing this as an improper electronic funds transfer and overdraft practice under Regulation E. I am requesting reversal of the {$190.00} transfer, correction of the overdraft, waiver of any related fees, and written confirmation that my account is fully unlinked from any overdraft transfers.

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 2026-01-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc.
State: AZ

Complaint narrative:
I received a credit reporting impact of an open collection balance for an outstanding utility bill with XXXX of {$100.00}. I immediately paid the balance once I saw the the credit profile. This reporting was from Diversified Adjustment. I called to verify the at they would remove the collections profile now that I have immeidately paid. They refused to do so and said I would be impacted for 7 years. I have NEVER been in collections in my life and have over an XXXX XXXX XXXX, now dropped to below XXXX. They insisted they sent written communication to my mailing address and attempted calls which could not be farther from the truth. I never received any notice notice of my rights to validate the debt or a notice about the amount owed itself. I would like this collections profile removed from my credit report entirely, not just marked as paid in full. I see plenty of horrible reviews online about this collections agency doing the same thing to other consumers, which is a violation of our rights. Thank you for your time in reviewing this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
XXXX XXXX was contracted in XX/XX/year> to remodel my bathroom ; however, contractor did not obtain necessary permits as required by XXXX  XXXX. I initiated a dispute with XXXX XXXX XXXX in XXXX disputed the transactions with Citi XXXX XXXX on XX/XX/year> for XXXX separate charges for {$2800.00}, {$2600.00} and {$2800.00} and repeatedly provided documentation over the last XXXX  months. As of today 's date ( XXXX  months later ), Citi has advised me that I'm now responsible for the charges, although the merchant hasn't performed the remodel based on Maryland home improvement law requirements.

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 2026-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Ive called PHH mortgage several times requesting foreclosure documents because Im in the process of refinancing my house and the other company wants this information to proceed with the refinance, however PHH mortgage has been giving me the run around and havent provided the foreclosure documents that Ive been requesting, they keep saying they will email it but I never receive is and this is on countless times .. they also said they will unload it to the documents portal on PHH websites but that to I never receive .. I have called countless times about this same issue requesting the same documents and PHH have not sent anything, they keep saying they will sent it but they never do..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> ( last month ), I noticed multiple unauthorized debit card transactions processed through XXXX XXXX on my Wells Fargo checking account. I did not authorize these charges, and no one else had access to my debit card or XXXX XXXX. 

These fraudulent transactions occurred on the same day and totaled over {$10000.00}. I was in possession of my physical card the entire time, and I did not add my card to XXXX XXXX on any other device. 

I immediately contacted Wells Fargo on XX/XX/XXXX and reported the unauthorized charges. A claim was opened, my card was locked, and a replacement card was issued. 

It has now been more than XXXX business days since I filed the dispute, and I still have not received provisional credit. The unauthorized charges are still posted, and my available balance is affected while the investigation continues. 

I am requesting reimbursement for all unauthorized transactions totaling over {$1000.00} and confirmation that my claim is being processed under Regulation E protections.

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 2026-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The Leviton Law Firm, Ltd.
State: TX

Complaint narrative:
Leviton Law Firm began contacting us about a debt from XXXX from XXXX. 
They state that XXXX provided us insurance coverage for an entire year - all while we never made a payment. 
No business on the planet provides service without payment. This is a scam. 
They are attaching an application that states it is my signature. We never renewed. 
The email attached is XXXX 's notice that we needed to renew- but we never did. 
The digital 'signature ' is not real. 

Again - who provides services, particularly insurance, for an entire year without payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
I attempted to have my escrow waived on my mortgage and the end of XXXX, which i meet all the requirements for. Rocket mortgage refused to remove it until the XXXX property taxes had been disbursed without any legal right to do so. Im attaching the email i sent them. 

loan # XXXX I am filing a complaint regarding Rocket Mortgages refusal to remove my escrow account despite my satisfaction of escrow eligibility requirements and the absence of any contractual basis for a multi-year escrow mandate. 

Rocket Mortgage has asserted that my escrow account can not be removed until XXXX because property taxes are being paid from escrow. However, my executed loan documents do not contain any provision requiring escrow to remain in place beyond the payment of current tax and insurance obligations, nor do they establish a fixed duration for escrow maintenance. 

Rocket Mortgage has not identified : - any specific provision of my mortgage or note requiring escrow to remain until XXXX ; - any applicable investor or insurer servicing guideline mandating continued escrow ; or - any loan-type restriction ( such as FHA or VA requirements ) that would prohibit escrow removal. 

Instead, Rocket appears to be relying on internal servicing policy rather than contractual or regulatory authority. While I acknowledge the servicers right to disburse escrow funds for taxes already due or in process, such disbursement does not authorize indefinite continuation of escrow absent clear authority. 

I have requested that Rocket Mortgage provide written justification citing the exact contractual or investor basis for its refusal. If none exists, escrow should be removed and any remaining balance refunded. 

I am requesting that the CFPB review whether Rocket Mortgages actions constitute improper mortgage servicing, including failure to accurately apply loan terms and failure to provide adequate justification for escrow account retention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: ND

Complaint narrative:
I received a fraud alert text under synchrony bank stating there was fraudulent activity on my card and in this text the last XXXX digits do nott match the physical card I received in the mail today that u canceled out yesterday due to this company giving me the run arounds not telling me why the text alert was sent and never addressed the card number they sent not belonging to me.. they kept asking me for my social, and yes this was synchrony bank I called several times trying to get answers that they were with holding from me. They lied said they would send a notification in my email of account being closed cause I decided to close my account because of them beating around the bush and being very sketchy with me. They claim it take XXXX to XXXX hrs I have not received anything. Im worried my identity is at risk. Ive never in my life dealt with anything like this..

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