vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I paid for a service that was never provided. The seller disappeared. This is fraud / services not rendered. I need to file a chargeback. 

This is the request I sent to CashApp after an initial request for reimbursement was denied. 

I am writing to appeal the denial of my dispute regarding a {$75.00} transaction sent on XX/XX/year> to Cash App user XXXX The denial does not align with the facts presented in my original claim, and I am requesting an escalated review. 

Context of XXXX : The transaction was part of an {$80.00} hair braiding deposit advertised through XXXX. Per the vendors instructions, I sent a {$5.00} test payment, received confirmation, and then sent the remaining {$75.00} to secure the appointment. The vendor issued a written receipt, which I previously submitted as evidence. 

Breach and Fraudulent Activity : The vendor never provided the service. She did not show up for the scheduled appointment, refused all refund requests through Cash App, deleted or closed her XXXX account immediately after the missed appointment, and ceased all communication. No goods or services were rendered, and no refund was issued. This pattern is consistent with intentional fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
They reached out via email where I requested validation. No information given to validate the debt. I was ent only a statement to say that owed them and the balance XXXX owing. After which I disputed the information using all three major credit bureaus they did not help they had the incorrect information still there up to this date. I finally decided to send a. Ease and desist in XXXX as they have not tried to validate the debt or corrrct the inaccurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC
State: WA

Complaint narrative:
I attempted to receive a Zelle payment, but the sender was likely scamming me. Very adamant that I accept the sale and stay in the phone with the fake Zelle to share my screen. They asked for my password info for login via text and I have it in writing. The email they sent threatening messages to me from was Zelle pay.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
This account appears twice on my credit report, creating a duplicate entry. The reported balance is inaccurate and misleading. The balance appears as {$4800.00} XXXX = {$9600.00} due to duplication, which inflates my debt and misrepresents my credit history. I request that the duplicate entry be investigated 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 2026-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo still continues to lie by claiming that theyve sent out the Loan Modification Documents and has given me a 3 day deadline. And due to their slothful ness theyve also denied my right to an extension due to their lies and deception. Now XXXX XXXX is willing to cooperate but not Wells Fargo to whom fought like crazy to not apply the {$50000.00} Grant to the Mortgage 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 2026-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: HUNTINGTON NATIONAL BANK, THE
State: AZ

Complaint narrative:
CFPB Complaint Wrongful Repossession Date : XX/XX/year> Financial Institution : Huntington National Bank Product : Auto Loan Issue : Wrongful Repossession / Repossession After Payment Agreement Complaint Description I am submitting this complaint regarding a wrongful repossession of my vehicle by Huntington National Bank. 

On XX/XX/year>, I entered into a payment agreement through Huntington Banks email payment system. The agreement included a scheduled payment of {$500.00} set for XX/XX/year>, along with an ongoing repayment plan of {$300.00} per week to bring my account current. After completing the agreement, I received written confirmation and payment authorization documentation from Huntington Bank via email. 

Despite this active and confirmed agreement, my vehicle was repossessed on XX/XX/year>, at approximately XXXX XXXX  by XXXX XXXX XXXX, a repossession company acting on behalf of Huntington Bank. 

The repossession occurred after the payment agreement was established and confirmed, which constitutes a wrongful repossession. The agreement was active, documented, and time-stamped by Huntington Bank prior to the repossession, and repossession activity should have been stopped. 

Because Huntington Bank failed to cancel or halt the repossession after confirming the agreement, I am requesting the following : 1. Immediate release of my vehicle 2. Written confirmation that Huntington Bank acknowledges the repossession was conducted in error 3. Full reimbursement and/or direct payment of all towing and storage fees associated with this repossession 4. Confirmation that my auto loan account remains in good standing under the agreed repayment plan 5. Assurance that this repossession will not negatively affect my credit reporting I have documentation supporting this complaint, including : Payment authorization confirmation Email agreement and disclosures Scheduled payment details I am requesting the CFPBs assistance to ensure Huntington Bank resolves this matter promptly and fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Every couple of months in the past couple of year XXXX been using this XXXXXXXXXXXX  debt collection to harass me for an unpaid debt of {$4500.00} for accounted I've never made it's just that somehow using my name on some dark website to make high demand purchase with loose information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Mercury Technologies, Inc.
State: AL

Complaint narrative:
RE : COMPLAINT AGAINST MERCURY BANK ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT CLOSURE AND ILLEGAL WITHHOLDING OF FUNDS Account Number : XXXX and others On XX/XX/year>, I received notice from Mercury that my business account was being closed due to alleged violation of their Terms of Service. Furthermore, the Bank stated that all funds currently in the account, as well as any incoming transactions, would be held for " at least XXXX calendar days ''. 
I believe this XXXX hold is an unreasonable, punitive, and arbitrary retention of company capital that causes immediate financial damage to XXXX XXXX XXXX XXXX XXXX XXXX and XXXX Distributing XXXX XXXX XXXX the Issue : Account Owner : XXXX XXXX XXXX XXXX XXXX XXXX aXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) Total Funds Held : {$500000.00} ( less ) Issue : XXXX hold on operating funds after account closure without specific justification. 
I demand the immediate release of all funds in my account. As a business, I require these funds to manage payroll, vendor payments, and operational costs. The XXXX holding period is excessively punitive, particularly when the bank has not alleged illegal activity, only a " violation of terms. '' Nature of Complaint : Mercury Bank is arbitrarily holding all funds in our accounts for a minimum of 60 days, without providing specific details regarding the alleged violation of their Terms of Service. This action constitutes an unfair and abusive practice, causing immediate, substantial harm to our business operations, including the inability to pay vendors and payroll. 

Furthermore, Mercury Bank has indicated they will only disburse funds via check to the address on file, refusing to allow an ACH transfer to another reputable institution. This refusal to return corporate funds immediately upon account termination is a violation of our contractual rights and puts our working capital at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NE

Complaint narrative:
To Whom It May Concern, I am formally disputing the alleged rent collection account you are reporting under my name. This debt is not mine, and its continued reporting is inaccurate and damaging to my credit. 

This account is the result of identity fraud. An identity fraud complaint has been submitted, and this matter was previously reported to the Consumer Financial Protection Bureau ( CFPB ) in XX/XX/year>. Despite prior notice, the account remains unresolved and inaccurately reported. 

Under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681 and 605B, and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting proper validation of this account. Specifically, please provide : A copy of the lease or rental agreement bearing my signature Proof that I occupied the property or incurred the charges Documentation showing how my identity was VERIFIED at the time the lease was executed. 


The document does not contain my signature. A handwritten or typed name, without my executed signature or other proof of authentication, does not establish that I entered into or authorized this lease. 

I did not sign this lease, occupy the property, or incur the charges being reported. This account remains the result of identity fraud and was previously reported to the Consumer Financial Protection Bureau.. 

Until proper verification is provided, you are required to cease all collection activity and credit reporting related to this account. 


If you are unable to produce the documentation listed above, you must delete this account immediately from XXXX, XXXX, and XXXX. 
This letter serves as formal notice that the account is disputed and a renewed demand for reinvestigation and correction. Continued inaccurate reporting may result in further complaints to the CFPB, the Federal Trade Commission, and my State Attorney General. 
Please respond in writing. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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: NC

Complaint narrative:
Such debt that I am assumed to own was purchased by lvnv funding and Not validated by the FCRA resulting ing deletion snd cease of collections due to the lack of validating thre accounts owed byvthis company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: States Recovery Systems, Inc.
State: CA

Complaint narrative:
XX/XX/year> Abusive language over the phone, after I was about to hang up the call, the lady said on the phone, " this XXXX girl ''. She cussed at me on the phone as I was trying to set up a payment plan. I have tried to make a payment plan for debt that is over XXXX in medical debt, and the lady refused to work with me on the phone. She told me to just have my money ready by payday. The call was at XXXX XXXX, and I was willing to work with her to pay off my debt. However, she treated me like XXXX at the end of the call and had cussed me out and used offensive language right after hanging up the call. She also asked for my card information, and she told me to have the money ready on the day that I get paid. I do not believe that my card information is now safe. I am not trusting this debt collection company due to this type of language over the phone. 

The name of the debt collection company is States Recovery Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I called in to make sure my " Nickname : XXXX XXXX. '' I requested this multiple times to be on all my accounts. I have never had an online banking account and I want to make sure the mixed credit files gets corrected that is continuing to be a problem. I have my business account and my Hilton card. I want my middle name on both of my accounts too. I want the account ending in XXXX Hilton that transferred to XXXX to also have my Nickname and an my profile as this will put a stop to the mixed credit file, between my nicknmae, XXXX and XXXX that tshould bring it to a halt. 

I also received my check back by Am Ex Hilton for the account ending in XXXX which was to pay a {$1.00} balance which I purposefully left on my account. instead they wrote it off and sent my check back to me on XX/XX/year>. I have reqyested that they bill it, and I am resending the same check and I am waiting on the statement for XXXX that will be due on XX/XX/year>. Check XXXX from from truist will pay that {$1.00} and the check is dated XX/XX/year> which I will mail upon receiot of my statement and balance due. Make sure that you are reporting under XXXX XXXX XXXX. I am also a XXXX and a XXXX  ( XXXX XXXX XXXX ). I have lived in XXXX  and XXXX  since XXXX i had the wrong XXXX at XXXX XXXX XXXX XXXX due to a mix up of patients.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XX/XX/XXXX I called chase bank and explained to them what happened with the cashapp card linked to my checking account I told them I was scammed using different platforms. I told them I was manipulated into withdrawing funds from my account using XXXX XXXX  card that was linked to my checking account. I told them that XXXX XXXX  refuses to give me any of my money back that was involved they told me that they were not going to take any actions that they were not going to get involved in it because they do not deal in criminal behavior and it didnt matter if they were my banking institution or not they were not going to defend me and that was final so I called them back today which is XXXX XX/XX/XXXX I tried to explain to them again they did not want to hear anything that I had to say and they said it was the end of it and they hung up. {$4000.00} was transferred out of my checking account on to my XXXX XXXX  link card on XXXX XXXX XXXX and thats where I was scammed and they refuse to help me get my money back. I try to explain to them what had happened. I told them that.a man by the name of XXXX XXXX XXXX manipulated me on a site and made me think that he was a friend of my brother in the US military, and said my brother needed financial assistance while he was in the US military training. He ask me to use XXXX and XXXX platforms to send the money to him. He gave me multiple XXXX numbers to transfer the money to and my brother never received any of the money that went to XXXX XXXX XXXX to give to my brother. My brother does not know the man. My brother never gave his authorization to anyone to contact our family and ask for aid.my brother never received any money from XXXX XXXX XXXX. This man manipulated me and took advantage of me and took my love for my brother and used it against me and got me to transfer funds out of my checking account and send it to him with the pretend that he was going to give it to my brother and he did not give my brother anything, and Chase Bank refused to give me any of my money. They refuse to help me in any type of way they refuse to even listen to anything that I had to say, and they hung up on me. Thats the second time that they have did it and refused to help me they are my banking institution, and they refuse to support me and Ive been manipulated into transferring money out of my account to upload it to a XXXX XXXX card to distribute it to a man that lied and said that my brother needed aid and my brother does not know this man this man.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Unauthorized Credit Inquiries No Permissible Purpose ( 15 U.S.C. 1681b ) Product : Credit reporting Issue : Credit inquiry without authorization Company : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 

What happened? 

My credit report reflects multiple account review and consumer report inquiries without clear evidence of a permissible purpose as required by 15 U.S.C. 1681b. 

These inquiries include, but are not limited to : XXXX XXXX XXXX XXXX. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

No written authorization, active application, or lawful purpose has been disclosed to justify these inquiries.

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 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I purchased a book in XX/XX/year> from a company called the XXXX  XXXX XXXX. I never received confirmation of purchase, I requested a cancellation. However company took my money but never delivered merchandise. I disputed transaction with bank provided information concerning cancellation request and information show as of date company states book was paid but order was never forfilled. The bank told nothing they can do because when they reached out to merchant they told them the sent merchandise which as of date says order not forfilled.Navy federal told me they would not try to get money back because of information company provide. This is same company who has not answered emails, an phone number on site does not actually work. I basically was told not their problem and not their deal with company themselves. I have tried every avenue with no resolve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: IL

Complaint narrative:
My student loan was serviced by Nelnet during a period when the presidential administration changed and national student loan policies were shifting. During that transition my address on file was not updated in their system and I did not receive any notice that my forbearance had ended or that payments were resuming. Because I was not notified at my correct address I did not know a payment was due and I missed payments as a result. 

As soon as I became aware of the situation I brought my account current immediately. The late payments were not intentional. They happened because Nelnet did not send notices to my current address and I did not receive a clear communication that my forbearance period was over. 

I am requesting an administrative adjustment and correction of the late payment reporting because the missed payments were caused by a communication failure and outdated address information on the servicer side during the transition period. I am fully current now and want the credit reporting corrected to accurately reflect the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lentegrity Management, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX LENTEGRITY LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern, I am writing in response to your communication regarding an alleged debt referenced above. This letter is a formal request for validation of this debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide the following information : XXXX. The amount of the debt, including an itemized breakdown of any interest, fees, or charges XXXX. The name and address of the original creditor XXXX. Copies of any documents bearing my signature that show I am legally obligated to pay this debt XXXX. Documentation proving your company is authorized to collect this debt XXXX. The date of the alleged debt and the date of last payment, if applicable Until this information is provided, I dispute the validity of this debt and request that all collection activity cease. Any reporting of this debt to credit bureaus without proper validation may constitute a violation of federal law. 

Please note that this request is not an acknowledgment of any debt, nor is it a promise to pay. 

Thank you for your cooperation. I expect your response within the timeframe required by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation