vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: NY

Complaint narrative:
I am XXXX XXXX, and I am escalating my complaint against XXXX XXXX XXXX, originally filed under complaint number XXXX, due to their inadequate and evasive response. In my original complaint, I highlighted a significant error regarding an account ( number XXXX * * * * * * * * * * ) that was incorrectly reported as derogatory on my credit reports. Despite my request for debt validation and documentation, PENN CREDIT CORP has failed to provide any substantive response or evidence to support the legitimacy of this account. The company 's response was non-existent, as they provided 'No substantive response. ' This is a clear violation of their obligations under the Fair Credit Reporting Act ( FCRA, XXXX XXXX. XXXX ) and the Fair Debt Collection Practices Act ( FDCPA, XXXX XXXX. XXXX ). These statutes mandate that upon consumer dispute, the company must conduct a reasonable investigation and provide the consumer with validation of the debt. PENN CREDIT CORP 's failure to do so demonstrates a pattern of non-compliance and disregard for consumer rights. Under FCRA XXXX, consumers have the right to dispute inaccurate information, and the company must correct or delete inaccurate, incomplete, or unverifiable information within 30 days. Furthermore, the FDCPA XXXX requires debt collectors to validate debts upon request. PENN CREDIT CORP 's inaction is a blatant disregard for these legal requirements, and their failure to respond adequately constitutes a willful violation of XXXX and a negligent violation of XXXX. Additionally, the derogatory status of this account has severely impacted my credit scores, with XXXX at XXXX and XXXX at XXXX, hindering my ability to secure credit and impacting my financial well-being. This inaccurate reporting continues to cause harm, and PENN CREDIT CORP 's lack of action exacerbates this damage. I demand immediate corrective action, including the deletion of this account from all credit bureaus and a cessation of any collection activities related to this account. I also request that the CFPB refer PENN CREDIT CORP for enforcement action to ensure compliance with federal laws and to prevent further consumer harm. I reserve my rights under XXXX for willful non-compliance, XXXX for negligent non-compliance, and XXXX for damages under the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Reported payment as being late but transactions show payment was made.

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 2026-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
b'It was shown that an account balance of $XXXX - XXXX XXXX XXXX was paid to XXXX XXXX in which I dont have a XXXX XXXX account never had one I dont even pay my own phone bill . XXXX that was open \n\nA $ XXXX XXXX is shown and when I ask they cant tell me what was purchased. I did not use a XXXX XXXX card to purchase anything that cost a $XXXX . - XXXX XXXX \n\nMy credit score is being affected by all these purchases that was not made by me $XXXX that was spent in which I cant be told how when an where that is not me and I didnt spend any money i need this to be disputed- LVNV FUNDING LLC'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: ID

Complaint narrative:
I have been trying to setup auto pay to receive a .25 % interest rate on my loans with Mohela since XX/XX/2026. I first submitted an electronic application, which is supposed to process within two billing cycles. After two billing cycles had passed, I called and was told the application was stuck in queue, and I would have to submit a paper application. I submitted the paper application on XX/XX/2026. It has been two billing cycles and I still haven't been enrolled in auto pay nor have I received the .25 % interest rate deduction on my loans. Upon contacting Mohela on several occasions via email, I only received generic responses that did not answer my questions. It seems that Mohela is deliberately delaying auto pay applications to avoid reducing interest rates on loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I recently opened a new business account with Chase Bank. They have a service called XXXX XXXX. It helps merchants process payments and collect funds from their customers. They initiated a " proprietary review '' which has now taken over 45 days, in which they withheld {$2700.00} of my money that customers paid me with for their orders. I can not fulfill those orders with them withholding my money. I do not find it fair they seem to be holding it indefinitely. This has caused me so much stress and torment. I am unable to operate my business with them withholding my money. I have upset customers calling me every day demanding the orders and merchandise they paid for ( rightfully so ) but with them withholding my money they are making fulfilling those orders impossible. Yesterday I did not get any of the money I processed with was around {$1800.00} in sales so now they are withholding approximately {$4500.00} in total almost XXXX XXXX DOLLARS. I am a hard working American. I pay my taxes and I do everything right. Earlier I was told by a chase rep that because I had a customer who tried to make a purchase and their credit card declined this is why they are holding my money which makes absolutely no sense to me. This is theft straight up. I don't care if its Chase Bank or not, just because they are some big conglomerate it doesn't mean they can steal from a small business owner. I did nothing wrong and I would like the hold lifted to release my money that I am clearly owed. I feel as though they are taking complete advantage of me. If I ever did this to a customer I would be out of business. The customer pays for the order, chase holds my money forcing me to not be able to fulfill the order, how is this legal? How am I suposto get the order to the customer? Every time I call chase customer service I am told something different. No one can give me a straight answer. Mind you, I was told today by the rep on the phone the reason they are holding ALL OF MY SALES THE TOTAL DEPOSIT I WAS TO GET FOR ALMOST {$1800.00} THAT IT WAS CAUSED BY A CUSTOMER CARD THAT DECLINED A TRANSACTION ON FRIDAY XX/XX/2026. If I have a customer pay me with a card, and that card declines due to insufficient funds, how is that my fault and why am I according to chase being penalized for that reason? It makes no sense to me at all!!! Please help me!!! This cant be legal. I feel like I have no recourse and I feel as though I am being singled out for no reason. I did not do anything wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV FUNDING LLC {$870.00} balance Opened XXXX XXXX original creditor XXXX XXXX XXXX XXXXXXXX account number XXXX this account does not belong to me and is the result of identity theft. The account was previously disputed and removed by the credit reporting agency after an investigation determined that the information could not be verified. However, the collection account has recently reappeared on my credit report despite my prior disputes and evidence that is fraudulent. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this collection account be immediately investigated and permanently removed from all credit reporting agencies. I did not open, authorize, or benefit from this account in any way. I am requesting that the collection agency and credit bureaus provide complete documentation proving that I am legally responsible for this debt. If they can not provide such documentation, the account should be deleted immediately. I have been the victim of identity theft and request that this matter be handled accordingly. The continued reporting of this fraudulent account is causing harm to my credit profile and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FULTON FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Fulton Bank advertised a {$300.00} promotional bonus for opening a new checking account. I opened the account in reliance on that promotion and completed the requirements that were presented to me. After more than 60 days had passed, I contacted the bank regarding the status of the bonus. The bank informed me that I was not eligible because the account was allegedly opened through a third party. This information is incorrect. I did not knowingly open the account through a third party, and I was never clearly informed that I would be excluded from the promotion for that reason. I relied on the advertised offer when deciding to open the account and maintain the relationship with the bank. Despite contacting customer service and requesting clarification, the bank has not paid the promised {$300.00} bonus and has not provided satisfactory documentation supporting its determination. I am requesting that Fulton Bank review the account-opening records, explain the basis for its decision in writing, and pay the {$300.00} promotional bonus if the promotional requirements were satisfied. I believe the advertised terms were not honored and that consumers should receive clear and accurate information regarding eligibility for promotional offers.

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 2026-05-29 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: Kashable LLC
State: TX

Complaint narrative:
Violations : - Called before XXXXafter XXXX 15 USC 1692c ( a ) ( 1 ) - Contacted third parties without consent 15 USC 1692c ( b ) - Continued contact after written cease request 15 USC 1692c ( c ) - Accessed my consumer report without written consent 15 USC 1681b ( a ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
My name is XXXX XXXX, and I am writing to file a complaint regarding an erroneous debt collection activity by Portfolio Recovery Associates LLC. My date of birth is XX/XX/year>, and the last four digits of my Social Security Number are XXXX. I reside at XXXX XXXXXXXX XXXX XXXXXXXX, MA, XXXX. Portfolio Recovery Associates LLC is attempting to collect a debt of {$630.00} associated with account number XXXX XXXX XXXX XXXX XXXX which is currently reported as a collection account on my credit reports with XXXX XXXX XXXX XXXX I firmly assert that this debt does not belong to me. I have never opened or owned an account that corresponds with this debt. The presence of this collection account on my credit reports has negatively impacted my credit scores, which are XXXX with XXXX XXXX with XXXX XXXX XXXX with XXXX This situation has caused significant distress and has impaired my ability to secure financial opportunities. I have been diligent in maintaining my credit profile, and the reporting of this incorrect debt is unjust. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit reports and expect it to be corrected or removed if it can not be verified. I have not received any documentation from Portfolio Recovery Associates LLC substantiating this debt. I am requesting that they provide a full validation of the debt, including any original creditor documentation, or immediately cease collection activities and remove this account from my credit reports. I have a right to accurate credit reporting, and this erroneous debt collection attempt is infringing upon that right. I kindly urge Portfolio Recovery Associates LLC to investigate this matter promptly and take corrective action. Thank you for your attention to this serious matter. I look forward to a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Exto Inc.
State: TX

Complaint narrative:
The platform allowed me to deposit funds, accepted a major direct deposit, and is now withholding 100 % of your money without offering an additional route for identity verification. I opened my account on XX/XX/XXXX They offered additional credit by switching direct deposit I decided to move my unemployment deposit to the account and it processed within two weeks. I got my first deposit on XX/XX/XXXX I used all of my deposit up until the last XXXX or so This is when the company, Atlas, put a restriction on my account without notice or explanation and just stated I needed to verify my ID. I reached out and there was nothing else the company was offering but to give an id that I did not have I have been homeless struggling to replace my id and get back on my feet so the freeze and this entire restriction that still exists has caused major problems for me I had an appointment to get my id but couldn't afford to with my account frozen. I rescheduled and atlas still won't allow me access to my new deposit that landed XX/XX/XXXX. I

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Self Financial Inc.
State: AZ

Complaint narrative:
To Whom It May Concern : Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, XXXX XXXX hereby submits this formal written dispute regarding the installment account listed under XXXX XXXX Ban appearing on her consumer credit reports maintained by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX ( collectively, the " Bureaus '' ). This account contains multiple inaccuracies and inconsistencies across the XXXX major bureaus that violate the FCRA 's accuracy and completeness standards. XXXX XXXX respectfully demands a thorough investigation, correction of all identified inaccuracies, and written confirmation of all remedial actions taken within the timeframes mandated by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: Block, Inc.
State: VA

Complaint narrative:
I am filing an immediate escalation regarding Consumer Complaint No. XXXX. Cash App explicitly lied to a federal regulator to close that ticket. Their closure letter claims the matter was " resolved via phone call on XX/XX/2026. '' This is completely false.The phone supervisor on XX/XX/XXXX explicitly refused to process my merchant release code and told me I had to wait 10 days. As of today, Friday, XX/XX/XXXX, the pending authorization hold of {$430.00} from a canceled XXXX order is STILL locked in my account.Cash App falsified their resolution records to the CFPB to evade investigation while continuing to illegally withhold my funds. The merchant completely dropped the claim and provided XXXX Network Trace ID : XXXX. I require Cash App to manually release this hold immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: TX

Complaint narrative:
The agent XXXX XXXX ( XXXX ), with Mutual of Omaha, refused to accept my XXXX pieces of information to trigger a Loan Estimate. He gave me the one page document, so he had all pertinent information. He insisted I fill out an online portal requiring extra documentation, which violates CFPB rules. When I cited the law, multiple times, he talked over me and verbally denied my application by stating we 'are n't a good fit ' to avoid compliance. '' I told him I would be happy to provide the 6 required pieces of information, and he kept insisting he couldn't do anything until I filled out the very in depth online application. After which he hung up, and refused to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
I am submitting this complaint regarding unauthorized and fraudulent transactions conducted through my Chime account and the companys failure to properly investigate and reimburse the disputed transactions despite substantial supporting documentation and law enforcement involvement. The unauthorized transactions occurred in or around XX/XX/year> and involved the unauthorized removal of funds from my Chime account without my authorization, knowledge, or consent. Immediately upon discovering the fraudulent activity, I reported the transactions to Chime and filed a formal dispute claim requesting reimbursement under applicable consumer protection laws, including Regulation E of the Electronic Fund Transfer Act. My initial dispute claim was denied in less than XXXX hours, despite the nature and severity of the fraud allegations. I then reopened the dispute and submitted additional supporting documentation, including transaction records, written statements, identity verification documents, and evidence supporting that the transactions were unauthorized. Chime denied the second dispute within approximately XXXX hours without conducting what appeared to be a reasonable or thorough investigation. Due to the improper handling of the dispute, I filed formal reports with law enforcement and financial crime authorities. The matter was escalated for financial fraud and cybercrime investigation, and I was advised to wait for the official investigative findings before attempting to resubmit my claim again. I have since obtained additional documentation supporting my position, including investigative findings and supporting records confirming the transactions were unauthorized. Despite my cooperation and extensive documentation, Chime failed to provide a meaningful explanation for the denials or demonstrate that a reasonable investigation was conducted as required under federal consumer protection regulations. I am requesting immediate reimbursement of the disputed funds, a full reinvestigation of the claim, preservation of all investigative records related to my account and disputes, and written confirmation of the companys final determination. The companys handling of this matter has caused substantial financial hardship, emotional distress, and unnecessary delay in resolving clear fraudulent activity reported in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I used the XXXX out to purchase a hotel room that wasn't what they said it was or the minute is that it had that was just not a good place and it was not what the advertise so I asked for my money back they refunded my money like within 5 days then soon as it hit my bank account as they took it right back out without my authorization and now they're not giving my money back at all

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