vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 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 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
My nonprofit has had a PayPal account that we used for transactions for years. We switched to a new service and canceled the PayPal account on XX/XX/XXXX. The last $ XXXX monthly fee for the account should have been on XX/XX/XXXX. However, we were still charged a monthly fee on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I tried calling PayPal on XX/XX/XXXX to end these charges. However, because the account was canceled, I can no longer log in to the web portal to view the information needed to answer their security questions, and I was told there was no way for them to help me end the charges. I submitted a complaint with the CFPB on XX/XX/XXXX ( Complaint ID XXXX ). Paypal 's response on XX/XX/XXXX was, " On XX/XX/XXXX, you created a business PayPal account ( " Account '' ) at which time you agreed to PayPal 's User Agreement. On XX/XX/XXXX, you closed your Account. As stated in your Complaint, you were issued statements by PayPal regarding fees and were automatically charged {$30.00} a month from XX/XX/XXXX, through XX/XX/XXXX. Upon the receipt of your Complaint, a further review of your Account was completed. As a result of this review, I confirmed that you had PayPal Payments Pro and this was not closed as it should have been when you closed your Account. I have closed this for you and as we discussed during our phone conversation, I am issuing a check to your business address in the business name for the fees charged in the amount of {$150.00}. I sincerely apologize for this error, and I am glad I was able to resolve it for you. As we discussed, a check will be issued to you and typically takes 7-10 business days to arrive once issued. '' However, a check has not been received, and the account continues to get charged after their response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
I disputed inaccurate late payments on my account, and XXXX previously investigated and corrected the reporting. The late payments were removed from all three credit bureaus. After this correction, late payments were later re-added to my XXXX and TransUnion and experian credit reports. I contacted XXXX directly and was informed that XXXX did NOT re-report or re-add any late payments after the correction. This confirms that the late payments currently being reported are inaccurate. Additionally, XXXX has already responded through the CFPB stating that they would remove the late payments and report the account as paid as agreed. Despite this, inaccurate late payments remain on my credit reports. Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to report accurate information and correct any known inaccuracies, including compliance with 15 U.S.C. 1681s-2 ( a ) and 15 U.S.C. 1681s-2 ( b ). This inaccurate reporting is negatively impacting my cred it score and financial opportunities.

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 2026-04-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I have a locked savings account which I am the primary account holder. The savings account is locked due to " fraud '' charges from the company and I verified I am the primary account holder and only I can authorize charges. On Sunday ( XX/XX/year> ) I noticed a charge of {$300.00} charged to an account that I do not have. On that locked savings account, I do have a joint holder who does not have any authorization. When I went into the branch on Monday ( XX/XX/year> ), they informed me that regardless of who is primary on the account, anyone can move money from that locked savings account. When I originally locked it, I was told that only I could move money in and out and I had to be in person since I am primary on the account. The company then tried to say my joint holder came in and moved it, but when proven the joint holder did not, I got push back and attitude from the people within the branch and Collections on the phone. They proceeded to put in the notes my joint holder moved it. The account it was moved to was a credit card that does NOT have my name on it. I have called every day they are open and I continue to be told different information every time I call as well as get told the form to " reverse '' the transaction that was done on the company 's side was never submitted. I have yet to receive my money back as well as now my account is negative for charges on bills that are now hitting my account. Not only did they take my money and have yet to return it in full, but it was also my paycheck. They continue to tell me the joint holder moved it, the joint holder is allow to move it, even AFTER verifying and being told I am the primary account holder and only I can move it and it has to be done in person.

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 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2026-04-14 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:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV 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
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
SUNRISECRED is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISECRED 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 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 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America sent me a written Update On Your Claim letter dated XX/XX/XXXXXXXX stating : We completed our review and Were happy to tell you that your account was credited a total of {$5600.00}. The letter does not state that the credit is provisional or temporary, does not say the investigation is ongoing, and does not state that the credit may be reversed. It further states that I do not need to take any action and that I would see the adjustments on my statement. After receiving this letter, Bank of America representatives told me verbally that the credit was not permanent, that the claim remains under review, and that payment can not be issued until the end of XXXX. I was also told separately that a provisional credit would not be issued until XX/XX/XXXX, which contradicts the XX/XX/XXXX letter stating the account was already credited. My account has since been closed, and Bank of America has refused to disburse the credited funds by check. Additionally, my hardship request was denied, further delaying access to funds that the written notice states were already credited. I am requesting written clarification of the claim status, an explanation for the contradictory information provided, and prompt disbursement of the credited funds owed to me.

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 2026-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC
State: MS

Complaint narrative:
I am filing a complaint regarding a financed purchase for Byte XXXX. The company has shut down operations and is no longer providing the services tied to my loan, including treatment and a lifetime guarantee. Despite this, I am still being charged and accruing high interest ( approximately 22 % ). This is a clear case of services not rendered. The financing company has continued billing despite the companys closure. I am requesting immediate investigation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Klarna AB
State: NY

Complaint narrative:
Klarna mishandled a dispute involving order XXXX and then blocked the account based on their own error. The underlying charge is legally uncollectable because my bank permanently blocked the transaction after reviewing evidence of merchant misrepresentation. No payment was taken, and no payment can be taken. The item purchased ( a live bird ) arrived severely underweight and died shortly after. The merchant stopped responding. I submitted all required evidence to Klarna, including photos, communication with the seller, and documentation showing the bird was emaciated. Despite this, Klarna closed the dispute within hours with the false claim that I failed to send evidence. The timestamps on my emails and attachments prove this is incorrect. I repeatedly requested clarification about why the dispute was closed, why they claimed I did not send evidence, and why the account was blocked. Klarna did not provide this information. Instead, they sent template responses that did not address the issue and treated the dispute as feedback. Because Klarna closed the dispute incorrectly, they reactivated a payment plan that can not legally be collected and blocked the account. This has caused ongoing issues and emotional distress due to repeated requests to resubmit sensitive evidence. I am requesting CFPB assistance to ensure Klarna corrects the dispute, marks the order as uncollectable, removes the balance, and lifts the account block.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
My Information was apart of a XXXX Data Breach and my Information was compromised

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year>XXXX I was the victim of a scam that resulted in a total loss of {$60000.00} from my Wells Fargo checking and savings accounts. Wells Fargo has denied my fraud claim and refused to reimburse me despite my prompt reporting and multiple follow-ups. They did not meaningfully investigate the scam itself ( no apparent review of IP/device data, recipient investigation or internal logs ) and instead relied on technical classifications and loopholes to deny reimbursement. Their handling of my claim has been self-serving and abusive including poor communication, failure to address key facts I provided and a canned denial 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 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Block, Inc.
State: NC

Complaint narrative:
Cash app have no customer service no way to contact them to resolve any problem that Ive been having from them for years

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: U.S. BANCORP
State: CO

Complaint narrative:
I contacted my creditor ( US Bank ) to explore repayment options due to financial hardship. During the call, the representative laughed and was dismissive, and I was told I had to pay {$930.00} immediately to access a program. I did not believe this was accurate, as the program proposal was on my phone. I felt pressured, humiliated, and was not provided with clear, reasonable options, such as previously offered structured payment plans. I am seeking fair treatment and clear communication of available options without coercion. I was able to speak to a supervisor who was helpful. I am in a financial hardship, and I am trying to make things right, but to be laughed at was completely unacceptable, which is why I was hesitant to call.

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 2026-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MD

Complaint narrative:
I tried to dispute this debt because it does not belong to me. I have a twin sister with the same name except the spellings are slighty off, with the same DOB and same social except the last digit is off. I tried explaining this to the representative and he implied that I do not have a twin sister and this is something I have been delaing with my entire adult life. I emailed over both of our birth certificates to indeed prove this and he was very rude and said that he " did research '' on me and found that he didn't " see '' that I actually have a twin. I understand our socials and that this is attatched to mine, but I was not being heard. My twin and I 's information get 's crossed all of the time! He said that the debt company would not consider it because of clearly his own personal beleif that it is mine. His name is XXXX. I have submitted the birth certificates as proof but I do not know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I was double billed {$340.00} by XXXX XXXX XXXX XXXX XXXX. When I called to put a dispute in for the double billed they said they did not have a way to dispute that. Therefore I would have to put that in as a fraud charge. I explained to them that it wasn't fraud but I only bought the item once. They went and told me that I bought the item therefore it wasn't fraud. They did not investigate because of a limiation of their system and they really did not want to help me. They came and told me that the item was shipped to my house and that benefited from transaction. Well of course I did because I bought it, but only once not twice. So they are using the limitation on there system to penalize me because I alaways said double billing error not fraud!!!!!!!!!!!!!!!! Also I close the account they continue to put charges on there after the account was closed and charged me a {$1.00} statement fee that I no longer consented to since I closed the account.

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 2026-04-14 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
I am filing this complaint to request an emergency stay regarding actions taken by Carrington Mortgage Services on a reverse mortgage tied to my late father that resulted in the loss of my home and is now directly impacting me. A court ruling issued on XX/XX/XXXX resulted in the loss of my home. Approximately XXXX pages of critical medical documentation existed and were available but were not presented to the court. My father was diagnosed in XXXX with XXXX XXXX. By XXXX, he had significant progression of the condition, including loss of coordination and loss of muscle control, affecting both his physical and mental capacity. At the time this loan was executed, he was not able to understand or sign legal or financial documents. There is no clear financial paper trail supporting this loan. There is no record of funds being properly disbursed to my father, no wire transfer documentation, and no evidence showing that he received any loan proceeds into his account. There is also no documentation showing how the transaction was conducted, who was present, or any witnesses to the execution of this loan. A temporary restraining order was issued on XX/XX/XXXX, the day before the scheduled foreclosure sale ; however, the foreclosure sale was still conducted on XX/XX/XXXX under disputed circumstances. An emergency stay has been requested, and I am currently awaiting a response. I have attempted to obtain documentation and clarification regarding this loan, including proof of disbursement, but have not received adequate information or resolution. I am XXXX and at risk of homelessness. This situation is urgent and requires immediate review. I am requesting : Immediate halt of any further enforcement, transfer, or eviction actions Full accounting of the loan, including proof of any and all disbursements Full review of all documentation, including the medical records Investigation into the validity of the loan given my fathers medical incapacity This matter is time-sensitive and involves potential wrongful foreclosure and significant harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: FIRST COMMUNITY MORTGAGE, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX Loan Draws were made in ammounts of XXXX and XXXX. I have never received any inspection documents based on the report on an assigned inspector that are required to be performed before a draw can be made per the loan contract. I have called First Community Mortgage 's help line, and the number provided so I can receive the required information was not in service, and an alternate line was not answered and had a full mailbox. I also submitted a formal request vial email on XX/XX/XXXX to which I never received a reply from the construction manager. These documents are required to be provided to me per The Federal Code of Regulations ( 12 CFR 618.8325 ) Without these reports, I can not verify that the work associated with these draws was actually completed to standard before the funds were released.

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