vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Date : XX/XX/2026 Radius Global Solution XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Debt Validation Request and Limited Cease of Communication To Whom It May Concern, I am writing in response to your communication regarding an alleged debt. This letter serves as a formal request for validation of the debt pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I dispute this debt in its entirety and do not acknowledge any liability for it. Please provide proper validation of this debt, including : - The name and address of the original creditor - The account number associated with the alleged debt - The amount of the debt, including any fees, interest, or charges - Documentation bearing my signature showing I agreed to this debt - Documentation demonstrating your legal authority to collect on this account Until you provide the requested validation, you must cease all collection activities regarding this matter as required under federal law. Additionally, if you are reporting this account to any consumer reporting agencies, you are required under the Fair Credit Reporting Act to ensure the information is accurate and verifiable. If you can not validate this debt, I demand that you promptly delete any reference to this account from my credit reports. I request that all future communication regarding this matter be conducted in writing only. Telephone contact is not authorized. Failure to comply with these requests and applicable federal laws may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Georgia Attorney Generals Office, as well as potential legal action. Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: TX

Complaint narrative:
I received text messages that I owed debt to XXXX communications and I have never had an account with XXXX and have never lived in XXXX service area. Contacted XXXX, and they said that they do not have an account with my name, but the debt collector said that there was an active account with my name but the address associated with the account I never lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
I am filing a complaint against Western Union regarding a failed money transfer in the amount of {$5000.00}. The transfer was not completed, yet Western Union has been holding the funds for nearly XXXX XXXX without issuing a refund or providing a clear explanation. Despite sending approximately XXXX emails and making more than XXXX phone calls to customer support, we have not received a meaningful response or resolution. This delay is unreasonable and unacceptable. We are formally requesting : 1. Immediate refund of the full {$5000.00}, or 2. A clear written explanation for the delay and a firm timeline for resolution. Western Unions lack of response and prolonged holding of funds raises serious concerns regarding their handling of customer funds. We request urgent intervention to resolve this matter. XXXX Number : XXXX Western Union Case Number : XXXX Sending Method : Bank Transfer Bank : XXXX I attached all the emails we sent to Western Union and the bank statement of the receiver showing that the money is not transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I HAVE SUBMITTED PROOF OF SETTLEMENT FOR XXXX ACCOUNTS FROM ORIGINAL CREDITOR, XXXX XXXX XXXX XXXX. IN THE AMOUNT OF {$1100.00} AND {$1300.00}. THE ACCOUNTS WERE SOLD TO LVNV FUNDING. I HAVE PROVIDED LVNV FUDNING WITH THE 1099 CANCELATION OF DEBT. THE IRS HAVE ADDED THE ACCOUNT TO MY IRS TRANSCRIPTS AND I FILED THE 1099 CANCELATION OF DEBT WITH MY TAX RETURN FOR XXXX. THE DEBT CAN NOT BE COLLECTED TWICE IF ALREADY SETTLED WITH ORIGINAL CREDITOR. LVNV IS ATTEMPTING TO COLLECT DEBE THAT HAS BEEN SETTLED AND NOT OWED.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I am a XXXX XXXX XXXXXXXX veteran and have been a PennyMac mortgage customer since XX/XX/XXXX, over XXXX years with a perfect payment history throughout, with one exception in XX/XX/XXXX. In XX/XX/XXXX, I navigated to the PennyMac online payment portal and believed I had successfully submitted my monthly mortgage payment. The transaction did not process. PennyMac text failed to reach my phone regarding notification that the payment had failed, was pending, or was past due. I did not discover the error until after the reporting period had passed. The funds were available in my bank account at all times. This was not financial hardship it was a technical error made in good faith. I contacted PennyMac through their secure message system requesting a goodwill adjustment to remove this isolated late payment from my credit report. Their representative responded denying my request, citing FCRA accuracy requirements. I am filing this CFPB complaint for the following reasons : 1. PennyMac 's payment portal system did not provide adequate failure notification that would have allowed me to correct the error before reporting. 2. I have a XXXX year perfect payment history with PennyMac this is one isolated incident caused by a portal technical error. 3. I am a 90 % XXXX XXXXXXXX veteran currently attempting to purchase a new primary residence using my XXXX home loan benefits. This single late payment is the primary obstacle to my qualification for a XXXX jumbo loan. 4. PennyMac declined to exercise any goodwill discretion despite these extraordinary circumstances. My desired resolution is for PennyMac to remove the XX/XX/XXXX late payment notation from all credit bureau reporting XXXX XXXX XXXX and XXXX as a goodwill exception based on my history, the technical nature of the error, and the significant impact on my ability to secure housing as a XXXX veteran. Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mirand Response Systems, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Mirand Response Systems for violations of the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/2026, at approximately XXXX XXXX, I received a text message from Mirand Response Systems attempting to collect on an alleged debt related to XXXX XXXX. They contacted me also on XX/XX/2026, at approximately XXXX PM as well as numerous other attempts. On XX/XX/2026, at XXXX XXXX, I responded in writing via text message clearly instructing the company to cease all communication with me. I also stated that I have no account or contractual relationship with Mirand Response Systems. Despite my written cease communication request, Mirand Response Systems continued collection efforts by calling me on XX/XX/2026, at XXXX XXXX, less than XXXX minutes after my request. They left a voicemail attempting to collect the same alleged debt. I then called the company to address this violation, and the representative identified as XXXX was unprofessional and hung up on me. This conduct violates the Fair Debt Collection Practices Act, including : 15 U.S.C. 1692c ( c ) failure to cease communication after written request 15 U.S.C. 1692d harassment or abuse I am requesting : Immediate cessation of all communication Written confirmation that my number has been removed from their system Investigation into this companys unlawful collection practices I have attached supporting documentation, including screenshots of text messages, call logs, and evidence of my cease communication request. I expect this matter to be taken seriously and resolved promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting and failure to properly investigate a disputed account. A collection account is being reported with an original creditor that does not match my signed loan agreement. The contract clearly identifies XXXX XXXX as the lender and XXXX XXXX XXXX, XXXX as the servicer. The reporting entity is different and unsupported by the agreement. The contract identifies a provider associated with XXXX XXXX XXXX ( email : XXXX ) However, this entity is not the lender and does not meet the definition of an original creditor. The loan was issued by XXXX XXXX, as clearly stated in the agreement. Attached is the executed loan agreement showing XXXX XXXX as the lender and XXXX as servicer. The reported creditor is not supported by this contract. I disputed this account with the credit bureaus, and it was verified as accurate without providing documentation. I also disputed directly with the furnisher, who continues to report inaccurate information. This constitutes a violation of the Fair Credit Reporting Act, which requires all reported information to be accurate and verifiable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am filing a complaint against Capital One regarding an incorrect account balance caused by a posting error. A charge of {$290.00} was made by a health insurance company, even though I had previously requested that this merchant be blocked. I disputed the charge, and Capital One issued a temporary credit. After that, the merchant refunded the full amount, and the refund has already been posted to my account. Capital One then removed the temporary credit, which is expected. However, my current balance still incorrectly shows that I owe {$290.00}. This means I am being charged for an amount that has already been refunded. This is clearly a posting error, as both the refund and the reversal of the temporary credit have already occurred. I am requesting an immediate correction of my account balance through a manual adjustment. Despite multiple phone calls, this issue has not been resolved. I request that Capital One fix this error immediately and confirm that my balance is accura

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: GA

Complaint narrative:
I am submitting this complaint regarding a fraudulent account that is being reported in my name as a result of identity theft. I have filed an official Identity Theft Report with the Federal Trade Commission ( FTC Report # XXXX ) and formally declared under penalty of perjury that I did not open, authorize, or benefit from the account in question. The fraudulent account is associated with First National Bank of Pennsylvania and reflects an overdraft/charge-off amount of {$7400.00}, with a reported closure date of XX/XX/XXXX. I discovered this fraudulent activity in XX/XX/XXXX upon reviewing my consumer report from XXXX. I did not give permission to any individual or entity to use my personal information to open or maintain this account. This is a clear case of identity theft. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am requesting that this fraudulent account and all related information be blocked from my consumer report immediately. The law requires consumer reporting agencies to block information resulting from identity theft within four ( 4 ) business days of receiving a valid Identity Theft Report. Additionally, under 15 U.S.C. 1681s-2, furnishers of information ( including F irst National Bank of Pennsylvania ) have a legal obligation to investigate disputes and must not report information they know or have reasonable cause to believe is inaccurate or the result of identity theft. Further, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I am not responsible for any debt arising from identity theft, and any attempt to collect on such debt is improper and must cease immediately. Despite my status as a victim of identity theft and the existence of an FTC Identity Theft Report, this fraudulent account continues to be reported, causing harm to my financial standing and ability to access banking services. Sincerely, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
I was contacted by MesserlilKramer about a supposed debt to XXXX XXXX. This is the XXXX company to contact me about this supposed debt but there is paperwork missing from their validation packet. In pacts provided from other collection agencies there was pages that showed that this card was a " secured '' credit card. For secured credit card generally your credit line is equal to the amount deposited as collateral. With the credit line of this supposed card being {$2900.00} there should have been a deposit made of around that amount to be used for final payments or defaults. There is no mention of using the deposit to offset debt. Further more the itemization of the statements is rather vague. One month it goes up and another it goes down. There is nothing here that couldn't be generated on computer or by AI.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Subject : Fraudulent Credit Card Activity To Whom It May Concern, I am writing to formally report a case of fraudulent credit activity issued in my name without my knowledge or authorization. I was contacted by a representative who informed me that there was a hold placed on a credit card due to suspected fraudulent activity. I advised the representative that I do not have a credit card, have no credit cards, and have not applied for one. I was then informed that a credit card had been issued in my name on XX/XX/year>. I immediately stated that this was fraudulent and requested that the account be shut down. I was transferred to the Fraud Department, where I spoke with a representative. He asked whether I had given anyone permission to use my personal information, and I clearly stated that I had not and would not authorize such use. I was further informed that the card activity was connected to XXXX, XXXX. I explained that I reside in the United States, and neither my family nor I has traveled to XXXX in over 15 years. The representative provided me with the card number, transaction details, associated website, mailing address, and case number. I am requesting that the Fraud Department be contacted to continue the investigation. He also advised that I would need to provide an FTC Identity Theft Report, which I am prepared to complete and submit, along with any additional documentation required. I want to clearly state that I did not apply for this credit card, did not authorize any transactions, and did not give anyone permission to use my personal information in any capacity. I am willing to provide a sworn statement or any additional verification necessary to resolve this matter. Please advise me of any further steps required to ensure this fraudulent account is fully addressed and removed.

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 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: IL

Complaint narrative:
Informed the three bureaus that I did not recognize the account it wasnt mine. It didnt belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I was the victim of a scam involving impersonation of Chase Bank. I received a phone call from someone claiming to be a XXXX representative and was told that my account was compromised. I was instructed to send XXXX transfers in order to secure my account. I reasonably believed I was following legitimate instructions from my bank. I was manipulated into sending two separate transactions : {$1500.00} and {$400.00}. These transactions were not voluntarythey were induced by fraud and deception. XXXX denied my claim stating that I authorized the transactions, but this does not reflect the reality of the situation. I was manipulated under false pretenses by someone impersonating the bank. I am requesting a full reimbursement of the funds and a thorough reinvestigation of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am disputing {$560.00} in interest, fees, and adjustments on my credit card account. I reviewed my statement and noticed a large amount of charges labeled as interest, fees, and adjustments that I do not recognize or understand. I contacted customer service multiple times to request clarification. During these calls, I was required to repeatedly provide the same dates and amounts, and representatives were unable to give a consistent or clear explanation of the charges. I was told that some purchases were under promotional financing with no interest if paid in full by a certain date, yet I am still being charged significant interest and fees. Representatives stated that payments only apply to certain balances, but they could not clearly explain how my payments were allocated or how the {$560.00} total was calculated. Despite multiple attempts, I have not received : An itemized breakdown of the {$560.00} in charges A clear explanation of how interest and fees were calculated A clear explanation of how my payments were applied across balances The billing practices are confusing, inconsistent, and not clearly disclosed. I am requesting a full review of my account, a detailed itemization of all charges, and removal or adjustment of any fees or interest that can not be clearly justified.

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 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Account was permanently shut down and they could not provide a specific reason. Rep said it was the system thinks I'm risky and that nothing could be done. My paypal funds will be held for months and they will take the funds from my paypal mastercard cashback. I did nothing risky at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
In XXXX : Escrow In the inquiry, you questioned the taxes not being paid. Property taxes are due in the amount of {$4800.00} in XX/XX/XXXX. The XXXX taxes were already paid in the amount of {$4800.00} on XX/XX/XXXX. Therefore, the taxes are paid current and there are no penalties being charged to you. We have enclosed the Escrow Disbursement History. There is no current bill available on the tax accessors website to pay. The request for the removal of the escrow account has been submitted and is currently under review. This will be addressed under separate cover where you will be advised if you are approved or denied for the removal. As of the date of this letter, the account is due for XX/XX/XXXX. This is not true. I have paid the taxes due out of my checking account on XX/XX/XXXX. This is fraudulent statement. They paid the insurance but not the taxes.

Company response to consumer: Closed with explanation