vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS 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 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NV

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year>, I experienced a scam outside of XXXX XXXX 's outside of XXXX XXXX area of XXXX. Three individuals approached me requesting a {$20.00} donation using a fabricated story involving the XXXX XXXX XXXX XXXX. During this interaction, these individuals physically took possession of my phone under false pretenses and manipulated my device without my informed consent. While my phone was out of my control, they executed XXXX unauthorized XXXX XXXX transactions totaling {$2000.00} ( {$1000.00} each ) through my Chase debit account. I did not knowingly authorize these transactions. My intent was, at most, to donate {$20.00}. These transactions were completed through deception, coercion, and misuse of my device, and therefore do not meet the definition of authorized electronic fund transfer under Regulation E. I reported the fraud to Chase within minutes of the incident and promptly filed a police report. I also obtained identifying information, including the suspect 's vehicle license plate. Despite this, Chase denied my claim, asserting that the transactions were authorized. This determination fails to account for the fact that : - My device was physically controlled by another individual at the time of the transaction - The transactions were induced through fraud, coercion, and deception - I did not provide informed or legitimate authorization Under Regulation E, unauthorized electronic fund transfers include transactions initiated without the consumer 's authority. Consent obtained through deception or while the consumer is deprived of control over their device should not be considered valid authorization. In addition, I work closely with youth in my professional role, and I am increasingly concerned about the rise of scams like this targeting everyday consumers. Situations like mine highlight the broader issue of consumer vulnerability, especially in public settings where individuals may be pressured or manipulated. Chase publicly advertises zero liability protection for unauthorized transactions. However, in practice, when I experienced this situation and reported it immediately, I did not receive meaningful support. I was told that Chase only handles financial investigations and not criminal matters, which does not align with the level of consumer protection implied in their messagingparticularly given their position as one of the largest financial institutions. This situation has caused significant financial and emotional distress. I am seeking regulatory assistance to ensure my rights are upheld and that financial institutions are held accountable in protecting consumers from increasingly sophisticated scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I maintained active homeowners insurance through XXXX XXXX with an annual premium of approximately {$3300.00}. Due to the failure of my insurance agent to provide proof of insurance to my mortgage servicer ( XXXX, XXXX FirstBank ), my escrow account did not remit payment to the insurance company. As a result, my policy was cancelled for non-payment, and I was sent to collections. I was then forced to make an out-of-pocket payment of approximately {$570.00} to resolve the issue and restore my insurance status. To reestablish coverage, I was required to secure a new policy at a higher annual premium of approximately {$3600.00}. Despite having active insurance coverage in place, my mortgage servicer subsequently added lender-placed hazard insurance totaling approximately {$4700.00}. This occurred even though valid coverage had already been obtained. These actions resulted in a significant escrow shortage of approximately {$4300.00} and an increase in my monthly mortgage payment of approximately {$700.00}. This situation was not caused by any failure on my part, but rather by a breakdown in communication and processing between the insurance agent, insurance company, and mortgage servicer. Despite multiple attempts to resolve the issue, no party has taken responsibility or provided a retroactive solution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: MORGAN STANLEY & CO. LLC
State: RI

Complaint narrative:
An account was opened using my name and address at Morgan Stanley with out my permission or knowledge the account then tried to withdraw funds from my personal account at XXXX. I stopped that withdrawal and let chase know and tried twice to ask Morgan Stanley to cease and desist and to close the account that I did not open. They have not dealt with this or been responsive in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
There was a post on XXXX advertising a liquidation sale. A friend recognized the account and shared it, so we trusted it. They requested a deposit, and because we thought we knew them, we sent XXXX deposits totaling {$3500.00} ( {$3000.00} and {$500.00} ) through Zelle. They provided the name of an uncle and an address, along with the XXXX account information : * Name : XXXX XXXX ( Account Hacked ) * Associated Name : XXXX XXXX ( Money transferred ) * Location Address : XXXX XXXX XXXX XXXX, XXXX, OH ( submitted to us by text ) They claimed they were at a funeral and even shared a photo, but when we tried calling, they did not answer. Later that same day, we discovered it was a scam. We contacted the recipient asking for our refund but received silence. We submitted the issue to XXXX, but the posting remained. We filed a Consumer Report to the FTC - FTC Report Number XXXX. We submitted a dispute with XXXX within the hour. Since the Zelle was in a " Pending '' state, we were told we needed to wait until it was complete before we could file a dispute. We received notice 5 days later via mail that our dispute was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ

Complaint narrative:
I made a transfer in the amount of {$600.00} thru MoneyGram on XXXX XXXX, 2026 to be deposited to my receiver ( XXXX XXXX XXXX ) XXXX bank account ( XXXX ). ( Note that I have been using MoneyGram to transfer money to that bank account for at least the past 3 years ) On the same day XXXX XXXX,2026 I received confirmation from MoneyGram the money has been delivered. But when after 3 days XXXX informed me she does see the money in her account I contacted MoneyGram to address the issue. They open case # XXXX ( asking me to wait XXXX business days ) No resolution... They open a new case # XXXX ( asking me to wait for XXXX business days ... No resolution. I called and emailed after the XXXX business days has passed. Finally MoneyGram informed me that they are unable to obtain any information about where the money has gone therefore no refund is possible

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
XXXXNcb credit management XXXXFor blue ridge collections XXXX is amount charge offXXXXI need this removedXXXX XXXX XXXX XXXXXXXX XXXXThank you'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
FRAUD FRAUD FRAUD BUT YET THEYRE TRYING TO COLLECT ON IT WITHOUT RESOLVING THE ISSUE NOR HELPING THE POLICE TO RESOLVE IT & IVE FILED A POLICE REPORT FOR IDENTITY THEFT & GAVE THEM THE INFO! THEY NOR THE ORIGINAL COMPANY CARES TO RESOLVE IT & TRYING TO MAKE ME PAY FOR IT & RUIN MY CREDIT! IM SURE THEYRE JUST GON NA TRY TO PASS THE BUCK & SELL OFF TO ANOTHER DEBT COLLECTION COMPANY INSTEAD OF RESOLVING IT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB
State: MS

Complaint narrative:
Summary of Issue : Klarna attempted to collect payment for a veneers purchase that was never delivered. When I disputed the charge, Klarna failed to investigate, failed to provide required disclosures, and continued collection activity. Klarna then submitted a nonresponsive CFPB reply referencing an unrelated merchant, which misrepresented the dispute and avoided addressing the regulatory violations. -- - 1. Klarna attempted to collect payment for veneers that were never delivered I placed an order for veneers. The veneers were never delivered. Despite this, Klarna : Attempted to collect payment Sent reminders Pressured me to link my banking information Treated the transaction as a valid debt even though the product never arrived I did not link my bank because I was not going to pay for merchandise I never received. -- - 2. Klarna failed to process a billing error dispute When I disputed the veneers transaction, Klarna was required to : Accept and investigate the dispute Pause all collection activity Provide written dispute disclosures Provide a written explanation of findings Klarna did none of these. Instead, they continued collection activity and treated the transaction as a valid debt. -- - 3. Klarna sent the veneers transaction to collections despite nondelivery Klarna sent this transaction to collections even though : The veneers were never delivered The dispute was unresolved Klarna had not provided any investigation results Klarna had not provided any written explanation Sending a disputed, undelivered merchandise transaction to collections is a serious violation. -- - 4. Klarnas CFPB response is nonresponsive and references the wrong merchant Klarnas CFPB response referenced XXXX XXXX XXXX, which has nothing to do with this dispute. This demonstrates : They did not read the complaint They did not investigate the actual issue They attempted to close the complaint with a generic, irrelevant script They avoided addressing the veneers transaction entirely Their response did not address : Nondelivery of the veneers Improper collection activity Failure to investigate Failure to provide required disclosures Why they demanded banking information for a product never received Why they sent the veneers transaction to collections Their response is nonresponsive and avoids the substance of the complaint. -- - 5. Removing the account from collections does not resolve the harm Even if Klarna later removed the account from collections, this does not resolve : The attempted collection of a debt not owed The failure to investigate the veneers dispute The failure to provide required disclosures The stress and harm caused by improper collection activity The regulatory violations already committed Correcting their own error months later does not erase the violation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
Credit Collection Services illegally took the full payment of XXXX out of my checking account without my approval. I called to set up a payment plan, and if you requested the telephone encounter, you would hear I authorized the payment plan amount of XXXX. The customer service agent then informed me she took the full amount of XXXX. This caused my account to go into the negatives, and I am now unable to buy groceries and pay for other expenses today. They fully acknowledged their mistake, however, said there was nothing they can do. They mentioned a reversal, however, that could take days. I hung up and called my bank and they mentioned there was not a reversal on this charge. I should not be responsible for late fees on my bank account, and this inconvenience based off their mistake. I requested a discount on the debt I owe to offset any late fees and my inconvenience. Once again, they stated they could not do anything to make this right. I then called back and requested correspondence regarding them acknowledging their mistake and intention to reverse the charge or reimburse me, and they said they could not send me any correspondence as the file was locked. This has caused me great hardship. I spent over two hours on the phone with them. I expected better customer service, and would like the company to be held accountable for violating the FDCPA when they illegally charged my account for an unauthorized amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MS

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
I have an outstanding loan with GoodLeap. I contacted GoodLeap and requested that they cease all phone contact and continue collection efforts via mail or email only. Despite this request, GoodLeap has continued to call me by phone. On XX/XX/year>, I received a call from ( XXXX ) XXXX, which displayed on my caller ID as " XXXX XXXX, '' a staffing company completely unrelated to GoodLeap. When I answered, it was GoodLeap 's collections department. This is caller ID spoofing, they deliberately disguised their number as another business to trick me into answering after I had asked them to stop calling. Additionally, on XX/XX/year>, GoodLeap 's collections department sent me an email requesting that I simply reply with my zip code to authorize a {$160.00} withdrawal from my checking account. There was no secure payment link, no written authorization form, and no disclosure of terms. This email contained my partial bank account number in plain unsecured text and did not include any required FDCPA disclosures, including notice of my right to dispute the debt. I have screenshots documenting both the spoofed caller ID and the email. I am requesting that the CFPB investigate GoodLeap 's collections department for violations of the Fair Debt Collection Practices Act and the Truth in Caller ID Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation
State: LA

Complaint narrative:
I was out work for a while had some life changes trying pay bills and pay loans

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. Creditor Name : [ DEPT OF EDUCATIONXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C. 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: OH

Complaint narrative:
I have CashApp, and someone accessed the card and used it on their XXXX play store account. I do not own any android devices nor do I use XXXX for anything other than " maps '', so I know this was not me. I reported the fraud to cashapp, and they closed my current card and sent me a replacement card that I was charged for. Unlike most bank and credit cards, when you report fraud a temporary credit does not get placed on your account. It is like being double taken advantage of since my card was used for fraud and cashapp charged me for the replacement card. Consumers need to be aware of this when signing up for cashapp. Cashapp does not offer the same benefits as traditional bank or credit cards. This needs fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation