vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
Midland Credit Management INC. Debt Validation Request This letter is regarding this account which you claim I have a collection with your organization. This notice is to let you know your Claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you Please also be aware that any negative mark found on my credit report with XXXX  from your company or any company that you represent, for a debt that I don't owe, is a violation of the Ear Debt Collection Practices Act FDCPA 807 ( 15 USC 19620 ), therefore, if you can not va date the debt, you must request that all credit reporting agencies delete the entry Pending the outcome of my investigation of any evidence that you submit, you are instructed to take any action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of the certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for 1 ) Defamation 2 ) Negligent Enablement of identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fal : Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my arca. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to connect your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. Your name : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action Best Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Sparrow Financial, Inc.
State: TX

Complaint narrative:
My personal information was involved in a Identity theft and data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: WA

Complaint narrative:
I have a Credit Karma Money account with an active balance. For the past three days, I have been unable to access my money due to missing account features.

Although my account appears open and my balance is visible, I can not link an external bank account, access my virtual debit card, or transfer my funds. This issue occurs both in the mobile app and when accessing my account through a web browser.

I contacted Credit Karma support multiple times over the last three days seeking help to resolve this issue. Despite my efforts, I have not been provided with a resolution or a clear explanation, and I was told that support could not assist me.

As a result, my funds are effectively inaccessible. I am requesting immediate assistance to restore full functionality to my Credit Karma Money account or provide an alternative method to release my funds. Ive been on hold over 5 hours today alone Ive messaged on the app and was told to call Ive been calling since Thursday to get a resolution to access my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
I am submitting this complaint to report predatory and irresponsible collections activity by XXXXXXXX XXXX  XXXX XXXX related to a former apartment account. 

I moved out of my apartment on XX/XX/year>. At move-out, I was informed in good faith by my leasing agent that a final bill would be applied to my resident portal within 24 hours and that I should pay it as soon as it is posted to avoid it being sent to what was presented to me as internal collections. I consistently checked my portal after moving out however, no final bill was ever posted to my account. I continued to have access to the resident portal throughout XXXX despite no longer being a resident and have screenshots from XX/XX/XXXX, XXXX, XXXX, and XXXX that all show a XXXX balance. 

I spoke with my leasing agent after XX/XX/XXXX to report that the bill never post. Again, on XX/XX/XXXX I contacted them via email this time to report that no bill had appeared. I received a response stating the issue would be looked into, but due to renovation in the office after the XX/XX/XXXX tornado, I was never provided a bill, explanation, or follow-up. Despite this, XXXX claims it received my account on XX/XX/XXXX. 

XXXX alleges that a single phone call was made on XX/XX/XXXX, an entire month after they stated they received my account from XXXX, and that a voicemail was left. Only once questioned did the XXXX representative reveal that the alleged message would not have identified the collections agency by name only acronym, nor would it have stated the name of the caller, who they were trying to reach or for what reason. This alleged voicemail would have provided no actionable information and would not have given me a reasonable opportunity to pay. XXXX confirmed that no other phone calls were made. XXXX also informed me that my forwarding address was not provided to them by XXXX XXXX, despite me having written confirmation that I provided an accurate forwarding address prior to move-out. 

As a result of these failures, a collections account was reported to my credit file even though I was never properly billed or notified. After disputing the account with XXXX  and providing supporting documentation, XXXX  completed its investigation and fully deleted the collection from my credit report, confirming that the account should not have been reported. 

The deletion by XXXX  supports my position that the collections reporting was improper. I am concerned that this account was reported without proper notice, without any fair or reasonable opportunity to pay, and despite multiple documented errors made by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 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: FISERV FINXACT CORE
State: CA

Complaint narrative:
XXXX XXXX  denied my dispute for unauthorized transactions without providing valid proof. I contacted XXXX XXXX and they were unable to help, directing me back to XXXX XXXX Both parties have given me the runaround and no one has resolved the issue. I am requesting a proper investigation, disclosure of evidence, and return of my funds if no authorization can be proven.

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 2026-01-25 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: FL

Complaint narrative:
Im writing to dispute an incorrect account status on my credit report.

The account listed below is being reported with the wrong status ( open ) This is inaccurate and misleading, and it does not reflect the true condition of the account.

UNDER15 USC 1681e ( b ) you are required to maintain maximum possible accuracy and1681i under15 USC 1681i you must reinvestigate any item I dispute.

Account Name National Credit Systems Inaccuracy : The report shows the account as [ open ] .The account is actually [ closed ].

This incorrect status affects the accounts balance, responsibility, and overall scoring impact.

Please conduct a reinvestigation and either correct the status to reflect accurate information or delete the account if it can not be verified.

Please send me the updated report once youre investigation Is complete XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: KY

Complaint narrative:
Cash App let over XXXX XXXX  go to another person or company Im not sure which one my card was locked I got a phone call from someone at Cash App or some one acting like they was from Cash App they ask for my info I told them I didnt feel comfortable sharing that info they then said they all ready had that info any and then hung up and my money was took out of account Cash App then said they didnt see no wrong doing when I reach out to there support

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CORELOGIC INC
State: FL

Complaint narrative:
Company Name ( s ) : CoreLogic XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. 

Loan number : XXXX I am writing to file a formal complaint regarding unauthorized financial activity and clouding of title on my property located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. 

Following an investigation by the national credit bureaus, XXXX XXXX was found to have no legal standing to collect a debt from me. Consequently, the alleged mortgage was removed from my credit reports. Despite this, CoreLogic XXXX XXXX XXXX has continued to pay property taxes for the years XXXX, XXXX, and XXXX, claiming to act on behalf of XXXX XXXX XXXX and/or XXXX XXXX XXXX .

To date, no entity has provided a validated debt, the original wet-ink signature note, or any legal proof of an interest in my property. These unauthorized payments by CoreLogic are creating a " phantom '' escrow account and clouding my propertys title in XXXX XXXX XXXX records without my consent or a valid underlying contract.

II. Specific Violations & Issues RESPA Section 6 ( 12 C.F.R. 1024.35 - Error Resolution ) : The companies are maintaining an escrow account for a loan that does not legally exist. I am requesting a full investigation into why escrow funds are being disbursed without a valid debt.

RESPA Section 10 ( 12 C.F.R. 1024.17 ) : Failure to provide annual escrow disclosures and a complete history of payments/lenders.

FDCPA ( 15 U.S.C. 1692 ) : Continued " servicing '' and tax payment activity by XXXX constitutes an attempt to maintain a claim on a debt that was already disputed and removed for lack of validation.

Florida Statute 501.137 : Violation of state escrow management laws by third-party services operating without a verified security instrument.

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 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: OH

Complaint narrative:
I have contacted credit karma money support multiple times regarding my frozen credit karma money spend account. Each time I am told only to wait for an email with no timeline, explanation or confirmation of how my funds will be handled. I previously received a tax refund advance and my IRS refund has now been approved. The refund is scheduled to be deposited into this account, yet I can not obtain confirmation whether the deposit will be accepted, whether my account is under review or closure, or what documentation is required to lift the freeze. This lack of transparency is causing unnecessary delay and uncertainty regarding access to my approved federal tax refund I am requesting prompt written clarification and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: Climb Credit Inc.
State: TX

Complaint narrative:
In XXXX of XXXX, I was contacted by XXXX XXXX XXXX through the platform known as XXXX XXXX. The company promised that they could help find XXXX  jobs. They stated that in 6 months, if you did not have a job, you did not have to pay anything to them. However, they kept reaching out to me promising me that they could find me a job. At the time, I was in severe mental distress and had been unemployed due to this for 5 months at the time. They finally pressured me into using their services and I then suffered a mental hospitalization in XXXX of XXXX. When I got back from the hospital, they had continued to try and contact me, with my wife explaining to them that I was sick. They in the process of convincing me that they could find a job, took my personal information and took a student loan out in my name. Then, since XX/XX/XXXX, I have been completely unable to contact them. They have since fled XXXX and started somewhere else. I have no paperwork of this loan. Nothing. I have routinely tried to contact the company and I am unable to make contact with any employee or number of this company. I have since discovered that I am not the only one that this has happened too. I have made multiple attempts via email, phone, text everything, and I can't make contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: GA

Complaint narrative:
XXXX XXXX was posted to the credit karma XXXX  account on XX/XX/2026 and on the morning of XX/XX/2026 the account was frozen without warning and Im unable to access or transfer my funds from the account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
b'Good afternoon,\n\nMy name is XXXX XXXX XXXX XXXX XXXX, and I am submitting a complaint to the Consumer Financial Protection Bureau (CFPB) regarding an issue with Wells Fargo Bank, N.A.\n\nWells Fargo denied my application for a personal loan, stating that the decision was based on my credit score. However, my credit score is above XXXX, and my credit reports from all major bureaus do not show any negative information, such as late payments, collections, or delinquencies.\n\nDespite my requests, Wells Fargo has not provided clear or verifiable information about which credit data or credit bureau was used to make the decision. This lack of transparency has caused financial harm and raises concerns about potential violations of the Fair Credit Reporting Act (FCRA).\n\nI respectfully request that CFPB investigate this matter and require Wells Fargo to:\n\nProvide written clarification of the credit data used in its decision.\n\nIdentify the credit bureau and specific factors relied upon.\n\nCorrect any inaccurate or misleading information.\n\nReconsider my application using verified and accurate credit information.\n\nThank you for your time and attention to this matter.\n\nSincerely,XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPhone: XXXX

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 2026-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Santander had my vehicle repo while living in another state. Notices they sent were all to Minnesota which is an old address. No notice was received but my vehicle was repossessed. The repo man also called the police to have me physically removed from the vehicle in XX/XX/XXXX which is also a violation of my rights & a police report was filed. It is now XX/XX/XXXX and I filed numerous reports to the credit bureau which has gone unresolved. XX/XX/XXXX Santander updated my credit report to show the vehicle was charged off XXXX XXXX XXXX when I was not notified of any charged off information and that has greatly impacted my credit score. I recently received an email in XX/XX/XXXX that Santander could not verify my information when a pre-approval for a car loan was requested. Please advise Santander to remove this account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I am reporting a XXXX payment made through my Chase account for a fraudulent service involving misrepresentation and coercion. I paid for a XXXX XXXX and was then pressured with claims of negative energy requiring urgent paid prayers, and the persons XXXX reviews were all 5 star reviews, and I went to their house for the consultation which was {$50.00}. I sent {$250.00} via XXXX under false pretenses. I later discovered the business follows a common scam pattern using fear to upsell services. I am requesting Chase review this transaction as fraud and consider reimbursement, the service provider wont refund me even after services werent even started.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
I am filing a complaint regarding Chimes denial of a debit card dispute for an unauthorized transaction. On XX/XX/XXXX, an unauthorized transaction labeled Transfer to XXXX in the amount of {$80.00} was made using my Chime debit card. I did not authorize, recognize, or benefit from this transaction. I promptly filed a dispute with Chime for the third time on XX/XX/XXXX, providing the information requested. On XX/XX/XXXX, Chime informed me that an agent had completed the investigation and denied my dispute without adequately explaining the basis for the denial or providing evidence that the transaction was authorized by me. Additionally, Chime did not provide provisional credit for the disputed amount while the investigation was ongoing. Under the Electronic Fund Transfer Act ( Regulation E ), financial institutions are generally required to provisionally credit disputed funds within 10 business days when an investigation can not be completed promptly. This did not occur.I believe Chime failed to properly investigate this unauthorized transaction and did not comply with Regulation E requirements regarding provisional credit and consumer protections for unauthorized electronic fund transfers. I am requesting that Chime conduct a proper investigation, provide documentation supporting its decision, and refund the disputed amount of {$80.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am following up on my previous complaint XXXX. 

I am rejecting Citi 's final response due to inconsistent logic and a failure to address the core service issue.

1. Shifting Rationale : In their first response ( XX/XX/XXXX ), the Executive Response Unit ( ERU ) declined compensation explicitly because they claimed " no prior contact '' was made by me. When I provided irrefutable proof ( a timestamped screenshot ) that I did email them on XX/XX/XXXX, they shifted their argument in the second letter ( XX/XX/XXXX ) to claim that " even if '' they received it, it wouldn't matter. This proves their initial rejection was based on a falsehood, and they are now " moving the goalposts '' to avoid accountability.

2. The Core Issue : I am not disputing the bank 's right to flag fraud. I am disputing the gross service failure. Requiring " physical mail '' verification for a traveling client in XXXX  is negligent. Furthermore, the ERU 's failure to read or record my urgent email on XX/XX/XXXX directly prolonged my financial distress.

Citi has admitted the account is now normal but refuses to acknowledge that their method of handling this ( ignoring emails and demanding snail mail ) was the source of the harm.

I maintain my request for XXXX XXXX Points as compensation for this mismanagement and the time spent on the back and forth.

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 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kikoff Inc.
State: HI

Complaint narrative:
I am filing this complaint against XXXX  due to their failure to conduct a reasonable investigation and delete inaccurate information from my credit report as required by the FCRA. 

I am particularly concerned about the account related to KIKOFF, which is affecting my credit score adversely despite being a closed account. I initially disputed this item because it has been reported without sufficient documentation of its prior standing. Under the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ), credit reporting agencies are required to ensure the accuracy of the information they report. In the precedent case of XXXX v. XXXX ( XXXX  ), the court emphasized the necessity for credit bureaus to conduct reasonable investigations into disputes raised by consumers. However, despite my repeated attempts to resolve this matter directly with XXXX, my dispute was not properly addressed, and the inaccurate account remains on my credit report. 

The continued presence of this unverifiable and incomplete item is causing significant harm to my financial well-being. I have experienced credit denials and have been subjected to higher interest rates as a result of this inaccurate reporting. Additionally, the emotional distress caused by the ongoing uncertainty regarding my creditworthiness has taken a toll on my overall well-being. 

Therefore, I formally demand a complete and thorough investigation by the Consumer Financial Protection Bureau into this matter. I demand the immediate deletion of these erroneous accounts from my credit report. Furthermore, given the willful noncompliance with the FCRA, I am also seeking any and all statutory and punitive damages afforded to me under the law.

Company response to consumer: Closed with explanation