vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CT

Complaint narrative:
Debt collector failed to provide proof of contract in the form of a lease to prove debt. I never had a contract with this debt collector for this debt. I asked for proof from the original creditor ( XXXX XXXX ) that IQ data XXXX  owns the debt and can legally collect or to remove said made up debt from my credit. I called multiple times to get proof of debt and an explanation of debt and get rude representatives that refuse to provide actual written proof of where the debt came from, they just confirm over the phone of random made up damage fees. I asked for proof of work done on the home and receipts of contractors that they can not provide. Apartment complex never contacted me about charges and told me I was settled up with move out. A male representative threatened me on the phone in XX/XX/year> that if I do not pay then he would proceed with moving the account forward with legal action yet I have not been served with any paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP
State: NC

Complaint narrative:
Ive called approximately 20 times asking to suspend repossession and they said its too late even though I contacted them and told them my situation. I put {$13000.00} down from trading my other car into Honda finance and {$5000.00} check

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
No money were owed, company tried to collect an amount after a move out date was already agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Accord Business Funding, LLC
State: TX

Complaint narrative:
This Company prays on the weak and less fortunate, use illegal ucc lien tactics, constant calling, affects my ability to work. I have told them to only contact me via written communication only, and they are constantly calling my phone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Raymour Flanigan has horrible customer service. I am disputing the amount of {$1400.00} charged on their TD card. I stopped paying the balance because I received a faulty product and after dozens of calls and leaving messages no one has gotten back to me to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I am writing regarding an account you are reporting and/or attempting to collect that you allege belongs to me. I dispute this debt in its entirety. Under federal law, I am requesting full validation, verification, and disclosure of all information related to this alleged account. I had gotten a phone call from them and since told them I was filling a complaint a couple of days after the company reported this account again to the credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I am submitting this statement to dispute a chargeback initiated against me for personal, non-commercial financial support received via PayPal. 

Between XXXX and XX/XX/year>, a personal acquaintance voluntarily sent me funds to assist with household expenses, childcare, and bills. On XX/XX/XXXX and XXXX, XXXX, the sender transferred approximately {$12000.00} across three transactions, all listed as Tuition. No goods or services were provided in connection with any of these payments. 

Days later, the sender initiated a chargeback for {$9300.00}. I have attached screenshots and message history confirming that these were voluntary personal support payments, not payments for goods or services, including previous transactions with other payment platforms to show previous financial relationship consistency. 

I believe this chargeback represents misuse of PayPals dispute system, and the companys decision to hold me financially responsible is causing undue harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rosenberg & Associates Recovery Services
State: NY

Complaint narrative:
Legal firm is calling and leaving message to call the. I have called backat least four times and talked to someone who first would give me no infoformation then combative and finally said this was from XXXX. I asked each time to send me written info about what they said was a charge off from XXXX  from a card and bank that I no longer have an account with and the bank closed on my city over 10 years ago. My last call to Rosenberg & Rosenberg said i would try to do something but please send written info so i can investgate. calls are coming XXXX XXXX times an hour and now under XXXX XXXX XXXX XXXX  pop up. I have not received written info. I just want written info and the calls to stop. I got scammed last year about this time for {$900.00}. I am a senior on a fixed income.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: KS

Complaint narrative:
This complaint documents a systemic financial injury of {$110000.00} resulting from the Respondent 's ( Coinbase ) deceptive architectural design and the multifaceted reclassification of USD Coin ( USDC ). 

Strategic Identity Variance & Material Inducement The core of this dispute is how the Respondent portrays USDC in a contradictory manner to induce deposits. Within the User Interface ( UI ), USDC is explicitly marketed as a " XXXX Cash Equivalent '' and programmatically embedded within " My Cash '' sovereign currency folders. This design anchors a reasonable expectation of zero-fee liquidity. However, at the point of execution, the Respondent unilaterally reclassifies USDC as a " Volatile Crypto Asset '' to trigger undisclosed 2.20 % spreadsa 1,375 % pricing discrepancy over institutional rates. 

Quantified Financial Injury A forensic audit of XXXX transactions confirms that this reclassification was utilized to extract {$110000.00} across XXXX specific injury events. The Respondent leveraged " Cash '' branding to secure capital, while utilizing " Crypto '' volatility logic to facilitate hidden capital extractions without informed consent. 

Administrative Obstruction & Bad Faith Internal resolution ( Case # XXXX ) was significantly obstructed by technical failures in the Respondent 's dispute portal, specifically a non-functional mandatory " Currency '' field that effectively blocked the submission of a formal complaint during the dispute window. The Respondent further engaged in a " Two-Voice '' strategy, issuing summary denials while simultaneously requesting " priority audit '' extensions to delay regulatory filing.

Evidence Integrity & Data Vault In addition to the three forensic attachments provided, the Complainant maintains a comprehensive evidentiary vault including raw source data ( XXXX XXXX ), communication metadata ( XXXX XXXX  XXXX, and technical recordings of the UI contradictions. 

Please refer to Attachments 1, 2, and 3 for the forensic audit and visual evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I initiated an external ACH transfer of {$48.00} from my XXXX XXXX  XXXX checking account to my Ally Bank savings account using the Ally Bank mobile app. 

Since then, the funds have not appeared in either account. XXXX  XXXX XXXX reports no pending or completed ACH activity. Ally Bank also states they do not see the transfer and have not provided an ACH trace number or confirmation of submission. 

I have contacted both banks multiple times, but each one directs me to the other, leaving the funds unaccounted for. Because the transfer was initiated through the Ally app, Ally is the originating institution and should be able to confirm whether the ACH request was submitted, failed, or is pending.

Resolution requested : 1. Locate and account for the {$48.00} transfer. 
2. Provide the ACH trace number or written confirmation of the transfers status.

3. Either post the funds to my Ally savings account or confirm the return to XXXX XXXXXXXX XXXX. 

{$48.00} transferred from XXXX  XXXX XXXX XXXX Ally Bank on XX/XX/XXXX has not posted, and neither bank can account for it ; I need Ally Bank to locate the transfer and confirm or post the funds 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
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BDF Partners, PC
State: GA

Complaint narrative:
Company posed as a bank XXXX XXXX XXXXXXXX and the law company that fraudulently pose as XXXXXXXX XXXX XXXXXXXX is BDF law group I already discharged the foreclosed property and they are trying to steal it from me via XXXX XXXX dispossessing please apprehend violation of XXXX XXXX and enforcement of instrument, please

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
I am submitting this complaint regarding Trustmark Banks handling of multiple dispute claims I filed, including unauthorized charges from XXXX. Trustmark denied every dispute without ever requesting information, documentation, or clarification from me, which I believe violates my rights under Regulation E and the banks obligations to conduct a reasonable investigation. 

I filed disputes for several transactions that I did not authorize. At no point did Trustmark contact me to obtain supporting documents, statements, or any additional information that would allow them to properly investigate the claims. Instead, they issued blanket denials without engaging in any meaningful review. 

This includes the XXXX charges, which I specifically identified as unauthorized. Trustmark denied these charges as well, again without asking me for any details or evidence. I was not given an opportunity to provide screenshots, correspondence, proof of nonauthorization, or any other documentation. 

Trustmarks failure to request information from me and their immediate denial of all claims suggests that no reasonable investigation was conducted. This has caused financial harm and has left me without resolution for unauthorized transactions that I reported in good faith. 

I am requesting that the CFPB review Trustmark Banks handling of my disputes and require them to : Reopen and properly investigate each disputed transaction Request and review any documentation I can provide Comply with all requirements under Regulation E regarding timing, communication, and investigation standards I am prepared to provide any supporting documents, timelines, screenshots, or statements needed to assist in a proper investigation. 

Thank you for your attention to this matter.

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 2026-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

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 2026-02-09 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: GA

Complaint narrative:
I am disputing a debt that XXXX XXXX XXXX has improperly placed into collections with First Source Advantage LLC. The alleged balance of {$1000.00} represents the remaining balance of a service contract that XXXX itself refused to honor. 

In XX/XX/year>, I moved from North Carolina to Georgia. I uninstalled and reinstalled my XXXX equipment myself, which is explicitly permitted under my contract. Section XXXX of the agreement ( Installation, Repair, and Maintenance of the XXXX ) allows for self-installation, and no technician visit is required under that section. 

After reinstalling my equipment, I contacted XXXX to update my service address. XXXX refused to update my address, locked me out of my online account, and prevented me from viewing my bill or managing my services. I was also informed that XXXX would not continue monitoring or alarm services at my new address unless I paid {$140.00} for a technician visit, despite my system already being installed and functional. 

During the call, a XXXX representative stated that a technician had to come to my house to verify I lived there, which was never disclosed as a contractual requirement and directly contradicts the self-installation terms I agreed to. This charge was not required by the contract and was imposed as a condition for restoring services. 

Because XXXX : Refused to update my address Locked me out of my account Prevented me from accessing billing information Refused to provide services unless I paid an unauthorized {$140.00} technician fee I was effectively denied the ability to use the services I was paying for. As a result, I was forced to obtain service from a different security provider. 

XXXX then forwarded the account for collection, seeking the full remaining contract balance despite their refusal to provide service under the terms of the contract. This constitutes unfair servicing practices, constructive termination, and improper acceleration of the contract balance. 

First Source Advantage LLC is now attempting to collect this invalid debt. The balance is inaccurate and unenforceable because XXXX materially breached the contract first by refusing service and imposing unauthorized conditions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: TX

Complaint narrative:
I am formally disputing a collection account that your agency has placed on my credit report 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 actually belongs to me. Under the Fair Debt Collection Practices Act, I am legally entitled to receive complete verification and documentation of any debt your agency is attempting to collect. I am exercising this statutory right and demanding that you provide comprehensive validation, including the original creditor 's name, a detailed breakdown of the amount claimed, and documented proof establishing my legal responsibility for this debt. All collection activities and credit reporting must stop immediately until proper validation is provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: LA

Complaint narrative:
I received a debt collection notice for an alleged XXXX XXXX account that is not mine. The notice is addressed to a different person ( not me ) at an XXXX, Indiana address where I do not reside. I have never opened or authorized this account, and I do not owe this debt. 

This appears to be wrong-person collection and/or identity theft or inaccurate matching of personal information. I am concerned the collector may be attempting to collect from me in error and may be reporting inaccurate information to credit reporting agencies.

I am requesting CFPB assistance to have the companies involved correct their records and stop all collection activity directed at me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I took out a home equity loan to pay creditors back in XX/XX/year> this home equity loan company made out specific checks to my creditors. Sent the checks to me and I was to forward them to my creditors. One check was made out for {$2200.00} to Citi cards. Also on the check it said please apply to the account of XXXX XXXX XXXX. Unfortunately, I did not include my account number on this check. I received a photo of the cancel check that was deposited to Citibank on XX/XX/year>. I have supplied a photo of this cancel check. Also a transaction number that is also printed on the cancel check to the dispute center of Citi Card. I sent both the fax as well as. The same documentation through the XXXX XXXX  I have made at least 10 phone calls to Citi Card customer service and have repeated the same story several times when they could actually look at their phone records and see what my issue is. Ive been directed to the dispute center several times where again Ive done everything thats been asked of me. The initial investigation was closed because they claimed I did not send documentation. Please take note that Citi card sent me a letter saying we need further information. Please see below. This letter was blank. Consequently, the investigation was closed stating they had insufficient documentation since then again I have sent everything I believe necessary to get this resolved.

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 2026-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Herbert P. Sears Co., Inc.
State: TX

Complaint narrative:
Several accounts were reported on my credit reports between XXXX and XXXX as collections or charge-offs with balances ranging from approximately {$200.00} to {$1900.00}. Some of these accounts continued to report balances after being charged off, and others appeared to be reported inconsistently across credit bureaus. 

In XX/XX/XXXX, I disputed these accounts with the credit reporting agencies and requested verification under the Fair Credit Reporting Act ( FCRA ). I have not been provided documentation showing that these accounts were accurately verified, including proof of the obligation or authority to report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation