vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: PA

Complaint narrative:
I moved out of a student apartment property in XXXX in XX/XX/year>. Following move-out, I was charged approximately {$340.00} for various cleaning, painting, and repair-related charges. I disputed these charges directly with the property management beginning in XX/XX/year>. My dispute explained that several of the charges appeared to involve ordinary wear and tear, cosmetic paint scuffing, adhesive marks, and maintenance-related issues rather than tenant-caused damage. I also explained that I did not dispute certain minor cleaning-related charges. The property management company denied my dispute and later referred the account to ProCollect for collection. After the account was placed in collections and appeared on my credit report, I requested validation of the debt from ProCollect. ProCollect provided invoices, photographs, and account documentation. After reviewing the information provided, I formally disputed the accuracy and validity of portions of the balance because I believe some of the charges being collected are improper and inconsistent with the lease provisions regarding normal wear and tear. Despite the ongoing dispute, the account continues to be reported as a collection account on my credit report. I am submitting this complaint because I dispute the amount being collected and reported and believe the balance includes charges that should not have been assessed as tenant damage.

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 2026-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: FinCo Services Inc DBA Current
State: MN

Complaint narrative:
on XX/XX/year> I received a debit card in the mail from a company called CURRENT. A card I never requested. From a company I never heard of before. On XX/XX/year> my USPS informed delivery showed 7 more coming from the same company with my address, but containing different names of recipients who never lived at my address. EVER! Now today ( XX/XX/year> ) another one showed up in my USPS informed delivery. So the 8 that have been in route. All have different names and in the address the XXXXXXXX XXXX XXXX are switched around. I have contacted the company via email twice now ( once on XX/XX/year> and again on XX/XX/year> ) demanding the following : I Requested written confirmation ( email ) that :, No account exists in my name. All listed accounts ( with the other names and variant addresses ) are closed/flagged as fraud. And they will not mail anything else to my address. Both responses so far have been almost exact word for word from to different people ( XXXX XXXX XXXX ) requesting 1 ) information they already have & 2 ) personal information I refuse to give. I have taken steps to secure all my bank, credit, and other information. Plus I have reported this issue with USPS, local law enforcement, F.T.C., XXXX, And CFPB ( second complaint that involves the same company ) So far I have not seen any money removed from me, nor any unusual activity on my accounts. I have changed all logins, and put a freeze on all accounts until this is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: CT

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MO

Complaint narrative:
MoneyGram closed my account following what it described as an internal review of my profile and account activity. The company stated only that the decision was made pursuant to its compliance policies and regulatory obligations but failed to identify any specific reason, transaction, policy violation, or concern supporting the action. After receiving the notice, I contacted MoneyGram and requested clarification regarding the basis for the account closure. Specifically, I requested information sufficient to understand the reason for the decision, determine whether inaccurate information had been relied upon, and determine whether any information had been reported or shared with third parties. MoneyGram responded with generalized statements referencing compliance policies, monitoring procedures, and regulatory requirements, but refused to provide any meaningful details. After submitting a second formal request seeking clarification and identification of any legal restriction preventing disclosure, MoneyGram responded again and ultimately stated : Unfortunately, we dont have any further information we can provide at this time. As a result, I have been denied access to MoneyGrams online services without any substantive explanation or meaningful disclosure regarding the basis for the action. The companys responses have prevented me from understanding the reason for the closure, correcting any possible errors, or determining whether adverse information has been shared with third parties. It has also adversely impacted a business relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/year> I sold a ticket to someone for {$200.00}. We completed the transaction via XXXX. After receiving the goods, she disputed the charge with her bank and claimed fraud. On XX/XX/year> XXXX reversed the charge and debited my account. The transaction was legitimate and the other user has committed fraud by claiming the transaction didnt happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company
State: MD

Complaint narrative:
I am a patient of XXXX XXXX, a telehealth XXXX XXXX provider. Beginning in XX/XX/XXXX, I began receiving billing statements from XXXX XXXX that fluctuate dramatically and without explanation. Between XX/XX/XXXX and XX/XX/XXXX, I received XXXX separate invoices for the same account : {$90.00} ( XX/XX/XXXX ), {$360.00} ( XX/XX/XXXX ), {$30.00} ( XX/XX/XXXX ), {$390.00} ( XX/XX/XXXX ), {$270.00} ( XXXX XXXX ), and {$300.00} ( XXXX XXXX ). These statements add and remove the same sessions from prior years some dating back to XX/XX/XXXX with no consistent logic and no explanation of what was paid, adjusted, or credited. During this same period, XXXX XXXX referred my account to a debt collector, Frost-Arnett , while my balance was actively in dispute. Frost-Arnett has contacted me by phone on multiple occasions. During those calls, I verbally notified Frost-Arnett that XXXX am disputing the debt with XXXX XXXX XXXX Calls continued regardless. I requested written debt validation by both email and mail, and Frost-Arnett refused XXXX provide either. I contacted XXXX XXXX billing department by email to dispute the balance. Their response stated my current balance is {$300.00} across XXXX {$30.00} copay sessions between XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX billing team can not reconcile the discrepancy between amounts on each invoice and Frost Arnett ( debt collector ) is pursuing more than the {$300.00} that is statement in the most recent invoice. XXXX XXXX has also locked me out of my patient portal, preventing me from independently reviewing my appointment history, payment records, or insurance processing activity. This makes it impossible to verify the accuracy of the sessions listed, confirm what copays were collected, or identify where prior payments were applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally dispute the accuracy of certain information currently being reported on my credit report. After carefully reviewing my credit file, I have identified items that appear to be inaccurate, incomplete, or unverifiable. Under the Fair Credit Reporting Act 1681i, I have the right to dispute any information that I believe is not being reported with maximum possible accuracy.

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 2026-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Comenity Bank called me on Sunday, XX/XX/XXXX, at XXXXXXXX XXXX and left a voice message regarding a XXXX XXXX XXXX XXXX store credit card that I allegedly owe a debt on. Since I did not answer, they immediately after called my XXXX on XXXX XXXX asking her to have me call them back. They had not contacted any relatives prior to this incident, to the best of my knowledge, which makes this occurrence even more manipulative and unethical. This is after theyve been leaving harassing voice messages towards me for weeks now, threatening to escalate their collection tactics. I did not call them back to request that they stop contacting me and stop contacting my family because I dont trust them to do the right thing, considering they already went to the length of calling my mother who I havent lived with in 10 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
I submitted a PSLF buyback request in XX/XX/year> after completing well over 10 years of qualifying public service employment as a healthcare worker and reaching the equivalent of XXXX qualifying XXXX payments once eligible forbearance months are credited under the federal XXXX buyback program. My XXXX requirements have been met, yet my buyback request has now been pending for over XXXX year without resolution. During this time, I have repeatedly contacted both XXXX and Federal Student Aid and have received inconsistent and conflicting information regarding the status of my account, processing timelines, and when my forgiveness will be finalized. Despite multiple inquiries, I have not been provided a meaningful update or estimated timeframe for resolution. I made significant professional and financial career decisions based on the terms and representations of the federal Public Service Loan Forgiveness program, including remaining in qualifying public service employment for well over a decade, including throughout the XXXX pandemic, with the understanding that qualifying federal student loans would be forgiven upon completion of the programs required service and payment obligations. I have fulfilled the qualifying employment and payment requirements for PSLF eligibility through the buyback process, yet my account remains unresolved more than a year after submission. The prolonged delay, lack of transparency, and inability to obtain clear information regarding final processing have created ongoing financial uncertainty despite completion of the federal program requirements. I am requesting immediate review and resolution of my XXXX buyback application and discharge of my qualifying federal student loan balance based on my completed public service and XXXX eligibility requirements.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
XX/XX/year> an account with the balance of {$1200.00} was put into collections and I have no knowledge of this at all. This also goes against USC 1692 ( G ) USC 1666 ( b ) / USC 15 166/ USC 1666/ USC 15 166 ( 2 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year> at XXXX XXXX XXXX I initiated an international wire transfer of {$9900.00} XXXX from my Bank of America XXXX XXXX XXXX account ( ending XXXX ) to an account in XXXX. At XXXX XXXX XXXX the same day, Bank of America confirmed the wire FAILED due to an incorrect beneficiary account number, with the recipient bank rejecting it the same minute it was sent. It has now been twelve calendar days ( XX/XX/year> ). Bank of America has not returned the funds. They have not provided an XXXX reference, a return status from the recipient bank, or an expected credit date. Call center representatives have refused to escalate the matter. Bank of America XXXX XXXX : XXXX Bank of America XXXX 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 monetary relief
Consumer complaint received 2026-05-11 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: WA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have numerous sent disputes to see how else they can work with me if they are able to please take those debt collections off my credit report LVNV PORTFOLIO, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Ive tried to dispute even send proof and doctor written letter of everything my son suffers from which makes it impossible for me to work a full time or high paying job to even pay them from a debt more than 5 years ago. Theres no way I can pay {$3000.00} plus more of debt. I was young and didnt have my son at the time and now that I am able to have a car and look for a job to fix my credit I cant since I care for my son and he has to be watch XXXX for XXXX activitys at all time. They dont want to understand and keep insisting on something low on emails which is still impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 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: CA

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
XX/XX/XXXX Reserved two rooms for XXXX XXXX on my XXXX Credit Card for XXXX XX/XX/XXXX I checked in using my XXXX Rewards card, the hotel manager assured me he would only charge my XXXX card. We stayed at the hotel, there were multiple serious situations including my life being threatened by person in the room next to me when I requested the all-night party cease ( at XXXX XXXX ), and the smoke filled rooms when I requested nonsmoking ). The listed Room rate was $ XXXX, but the hotel charged {$430.00} on my XXXX card , and an additional {$300.00} on my XXXX card.They refused to provide an itemized receipt. XXXX I attempted to work with hotel directly to remove the XXXX charge, no success ( please look up this merchant, he regularly engages in despicable business practices ) XX/XX/XXXX I filed a complaint with XXXX XXXX card based on the hotel not providing a receipt, not providing a nonsmoking room, and the dangerous environment they foster. XXXX denied the dispute. XX/XX/XXXX I phoned XXXX , to let them know the merchant charged the full amount on both credit cards, they said they would re-open the case based on additional information ( fraudulent double charging two credit cards ). I immediately uploaded the information and received confirmation it was received. XX/XX/XXXX I received a paper letter saying my dispute was outside the permitted timeframe. XX/XX/XXXX I called Barclays/XXXX to explain customer service said they would extend the window, given additional information. I was told they are unable to help.

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 2026-05-11 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
XX/XX/year> an account with the balance of {$790.00} was put into collections and I have no knowledge of this at all. This is also goes against USC 1692 ( G ) USC 1666 ( b ) / USC 15 166/ USC 1666/ USC 15 166 ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 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: PA

Complaint narrative:
I am formally disputing the reporting of multiple 90-day late marks on my credit report by MOHELA. This reporting caused an immediate, catastrophic drop in my credit score from a * * XXXX XXXX to the low XXXX * *. This delinquency was not caused by financial inability. As soon as I became aware of the oversight on XX/XX/2026, I immediately paid the entire past-due balance in full. The root cause of this issue was a servicing and communication failure during the administrative chaos following the XX/XX/2026 termination of the SAVE plan and the transition to the RAP program. MOHELA failed its obligation to ensure effective delivery of billing notices to my current contact information during these system migrations. While a representative claimed they " technically '' called/emailed, I did not receive any effective notice of my account entering a " Repayment '' status. My multi-year history of perfect, on-time payments proves that this was an administrative breakdown, not a credit risk. MOHELA 's refusal to correct this via a phone request necessitates this formal dispute.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, I deposited gift money from my wedding into a Chase ATM machine. The location no longer has tellers in their location so I had no choice but to use an ATM. When I deposited the cash a total of {$1600.00} showed in the screen and then I went to deposit the checks and the machine showed an error message, printed an error receipt and spit the checks back out to me. I called the help number displayed on the screen, provided the info provided on the error receipt, and they opened a case. Additionally, I then went into the location and had to use a separate ATM to deposit the checks for {$750.00}. I was told the investigation would be completed by Friday XX/XX/year>. When Friday came around, the money was not in my account so I contacted Chase again. They told me it was approved and I would see the funds in my account by EOD. Monday came and there was no money in my account. I called again and they told me that it was not approved and I would need to wait until XX/XX/XXXX. If the bank is removing tellers from the location, they need to ensure their ATM are equipped to take large sums of money. The representative on the phone told me it is better to use the teller for larger sums of money but, how can I use a teller if they do not have them in their locations? I am escalating as I put my money into the banks hands and feel I am getting the run around even though their ATM ate my cash. They do not seem empathetic to the fact that this is not my fault and this is their equipments issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 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: Block, Inc.
State: GA

Complaint narrative:
My Cash App account was deactivated without a clear explanation. I received a notification stating that my account violated the Terms of Service, but no specific reason or activity was identified. I submitted an appeal and contacted Cash App support multiple times requesting clarification and a manual review. Each response I received was generic and repeated that my account violated the Terms of Service, without providing details about what triggered the decision. I have not knowingly engaged in fraud, scams, prohibited transactions, or any unlawful activity. Despite multiple attempts to resolve the issue and request clarification, I have not been given a specific explanation or meaningful review. As a result, I currently have no access to my account and have not been provided clear information about why it was closed or how the determination was made.

Company response to consumer: Closed with explanation