vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: OK

Complaint narrative:
Summary of the issue : I received a collection notice from a debt collection agency. I disputed the debt in writing within the required timeframe. Despite this, the collector continued collection activity without providing proper validation. 

Detailed timeline : I received an initial collection letter from the agency. 

I sent a written dispute letter to the agency, requesting validation of the debt. 

The agency responded with a letter from XXXX XXXX, XXXX Representative, including phone numbers XXXX and XXXX. The letter contained some photos and information, but it also instructed me to submit my dispute again through their online portal. 

I followed their instructions exactly and submitted the dispute through the online portal as directed. 

After submitting the dispute a second time, the agency sent another collection letter stating that I had not made proper arrangements to resolve the debt. 

They continued collection activity even though the debt was still in dispute and had not been properly validated. 

Why I am filing this complaint : The collector continued collection efforts after I disputed the debt in writing and before providing full validation. This appears to violate my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically the requirement to cease collection until the debt is validated. 

What I am requesting : I am requesting that the CFPB review this matter and require the collection agency to : Provide proper validation of the debt, and Cease all collection activity until validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: Lanier Law Firm, LLC
State: NC

Complaint narrative:
I have a comprehensive insurance policy claim. I have a account fraud data breach Identity theft with my cyber liability claim ID restoration. I have sent the account fraud with my litigation showing a compromised email with my XXXX account registration. I have identity defense master policy with XXXX XXXX. I filed a arbitration agreement with my cyber liability claim from my bankruptcy data breach ID restoration. My bankruptcy trustee showed a litigation lawsuit for compromise email and phone credentials. I changed my account with XXXX  data breach. I have a compromised fraud alert investigation of a XXXX hack with Identity defense and my account was used to file a complaint. I have a cyber liability claim insurance fraud victim with reinstatement problem of my account. I tried to change the log in with XXXX XXXX master policy was not showing on my credit report. I have a compromised data breach ID Restoration with bankruptcy account restoration. My account was not in my credit report as a victim of fraud. My account is rendering insurance policies with account fraud of credit bureau policy updates. My error credit report was missing information to log in with adequate security measures from the incident.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX I financed a vehicle through Citizens Bank under a XXXX loan at XXXX XXXX interest, which should have matured in XXXX. My personal liability for this loan was discharged in my XXXX XXXX bankruptcy on XX/XX/XXXX ( Case # XXXX ). The vehicle has been sitting in my driveway, and Citizens Bank representatives have previously indicated that the vehicle had no value and that the bank does not want the car. 
XXXX  On XX/XX/XXXX and XX/XX/XXXX, I contacted Citizens Bank to request a lien release for this vehicle. During these calls, I was told for the first time that I still owe a balance of {$7300.00} and that the lien would not be released unless I paid this amount. The representatives also stated that my bankruptcy discharge only covers unsecured debt and that I remain personally responsible for the balance, which contradicts my understanding of the discharge and created confusion about my rights and the status of the account. 
XXXX  During these same calls, representatives stated that the account was charged off in XX/XX/XXXX due to nonpayment for the XXXX months prior, and also stated that the vehicle had no value and that the bank does not want the car. These statements are inconsistent with the continued assertion of a XXXX and the demand for payment as a condition of releasing the title. 
XXXX I requested a complete lifeofloan payment history, an itemized explanation of how the current balance of {$7300.00} was calculated after the loans maturity date and after my bankruptcy discharge, and clarification of the banks position regarding the lien. I was told there is no paper and that no breakdown would be provided. My online access to the account has also been disabled, preventing me from reviewing statements, payment history, or any records that would clarify the balance. As a result, I am unable to verify the accuracy of the reported balance or understand the basis for the banks refusal to release the lien. 
XXXX Both calls on XX/XX/XXXX and XX/XX/XXXX were recorded, and I informed both representatives ( XXXX and XXXX XXXX at the start of each call and again during the call that the conversation was being recorded. Despite this disclosure, they continued to provide conflicting information, refused to provide documentation, and stated that the lien would not be released unless I paid the alleged balance. Because my online access remains blocked and the bank has refused to provide records, I am unable to verify the accuracy of the balance or understand the basis for the banks refusal to release the XXXX. 
XXXX I have recordings, transcripts, and call XXXX for both calls and can provide them to the CFPB upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX {$54.00} XX/XX/XXXX {$18.00} XX/XX/XXXX {$19.00} XX/XX/XXXX {$55.00} I requested my refunds. I spoke to XXXX different representatives on cash app support showed them screenshots of proof of refunds from XXXX. I told cash app I have never seen the money in my balance I disputed the issues and escalated them they told me they can see the refunds but they don't know where they are he proceeded to tell me that it could be lost in limbo he was going to contact the financial team they could divebetter into it and get back to me there's nothing on my part that I did wrong he told me it is completely on their end he told me and he's going to work on it his name was XXXX and he said he wouldn't let it slip through the cracks he will get back to me he said I should not have to be going through this. He said he would reach out to me within XXXX to XXXX hours he never did I reached out to them again talk to somebody else. I told him I don't see it in my account he tried to get me to delete the data of the app cash app which would have gotten rid of all my messages all my proof of everything so he tried to make me delete all my data said that was started fresh but that would have erased everything every message everything I found that to be kind of odd that he would try to tell me to do that. they said after giving me the runaround that they finally seen it sorry for my stress and frustration and my time and all that that it would be issued immediately after the message that he was texting me I looked in my balance it wasn't there he told me if it wasn't there to contact him again I contacted him again and he just gave me a run around I called the XXXX number talk to them he gave me the runaround I told him I had proof screenshots that I sent to the online support of my monthly statements everything there was nothing given to me he proceeded to tell me that they were given to me I never had them refunded to me. that was a lie I told him if if I was already refunded them why would his online support tell me that he seen the refunds on they're end and they should be issued to me immediately on XX/XX/XXXX if they were already issued to me XX/XX/XXXX he then told me after I asked to speak to a XXXX that they would reach out to me through email that's the only way that managers contact people I haven't heard from anybody I've showed them screenshots of my monthly statements my balance screenshots I've texted support I've talked to the phone XXXX number I disputed I escalated did everything I was supposed to do according to them still don't have them in my balance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Issue : Replacement credit card never delivered repeated failed attempts Complaint description : I reported my Capital One credit card as lost on XXXX XXXX XXXX Since then, I have requested a replacement card multiple times. Each time, I completed the identity verification process and received email confirmations stating that the replacement card had been sent and would arrive by a specific date. 
However, none of the replacement cards have been delivered to my address. During several calls with customer service, I was told that previous shipments were lost and that a new card would be sent, but the same issue keeps happening without resolution. 
I have lost significant time, experienced unnecessary stress, and have been without physical access to my credit card for weeks, despite fully complying with all required steps. This represents a serious and repeated failure in the delivery process, and no effective solution such as secure shipping, expedited delivery, or a reliable alternative has been provided. 
I am requesting that Capital One : Investigate and correct the delivery issue Send the replacement card using a secure or expedited method Ensure this problem does not continue to occur I am filing this complaint because this issue has happened multiple times and has not been resolved through regular customer service channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: WV

Complaint narrative:
In XX/XX/XXXXXXXX  I sent XXXX $ to my sons ' cash app account. I did this transaction through my daughter 's account ; I did not have a cash app at the time. She sent the money, however, she sent it to the account that she had previously sent money to. My son had his phone stolen and is not able to access that account. I requested the money be returned, however after my son answered all of the questions asked by Cash App he was denied the refund or a transfer to his new cash app account. He was not told that out right, however that is the final say. Claiming security reviews. The emails were dated XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. I also spoke to customer service 2 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One markets an Early Direct Deposit feature that allows customers to receive payroll funds up to two days early. I relied on this feature to schedule essential payments, including rent, an auto payment, and a credit card payment. 

On Wednesday, XX/XX/XXXX, Capital One did not release my direct deposit and provided no advance notice that early direct deposit would be withheld due to year-end or tax considerations. Because the funds were not made available as expected, multiple scheduled payments were returned due to insufficient funds, causing financial harm and potential late fees and credit impact. 

After contacting Capital One, I was told that releasing the deposit on XX/XX/XXXX could cause tax implications. This explanation was given after the fact, and no prior disclosure, email, or in-app notification was provided to consumers. Other major financial institutions released early deposits during this same period. 

As of Friday, XX/XX/XXXX, I still have not received my direct deposit, despite this being beyond the normal payroll settlement window. Capital One has not provided a clear timeline for release or addressed the returned payments caused by this delay. 

I believe Capital Ones failure to disclose a predictable restriction on a heavily advertised feature, combined with the lack of advance notice and resulting financial harm, constitutes an unfair and deceptive practice. 

I am requesting immediate release of my deposit, reimbursement of any returned payment or late fees caused by this delay, confirmation that my credit will not be negatively affected, and a written explanation for why consumers were not notified in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I was pre-approved for an Auto loan through capital on XX/XX/year> for a vehicle through this dealership. 
The dealership had me to compete all of the required documentation on line. 
The entire day the sales guy continued to give me the run around. 
Around XXXX I went over to the dealership to find out why they had not contacted me to finish the process. The financing department had another sales person to tell me that I was not approved for financing. My credit was ran several times which will impact my score. I still do not have a vehicle. I was never provided any documentation stating that I was denied after being pre-approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Said it dont have a specific time frame or if I can ever have borrow option but yet direct deposits help with chances to borrow I've dont my end why cant I borrow yet

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I am disputing this debt because it can not be validated and is being improperly collected. 

This alleged account has been sold and resold to multiple collection companies over time. I have never received a written validation notice or collection letter by mail from any of them, including the current company reporting this account. 

Under the Fair Debt Collection Practices Act ( FDCPA ), a collector is required to send a written notice of the debt and provide proper validation. That has never happened. Because the debt has not been validated, it should not be reported or collected. 

Additionally, under XXXX XXXX XXXX consumer protection law, a debt can not be collected or reported if : The consumer was never properly notified The collector can not provide clear chain-of-title documentation The debt has been repeatedly sold without proper validation This account fails all of the above. No original contract, no account statements, and no proof of ownership have ever been provided. 

Despite this, the debt continues to appear on my credit report and is harming my credit unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I am filing a complaint against Shellpoint Mortgage Servicing for unfair mortgage servicing practices along with not properly regarding VA practices home modification rules related to my loan modification and unauthorized ACH activity in the month of XX/XX/year> I have not received written documentation approving or denying my loan modification, despite repeated attempts to obtain status updates. My assigned point of contact does not respond or communicate changes, leaving me without required information. 

Additionally, Shellpoint initiated an unauthorized ACH withdrawal from my bank account after I had already made a payment, without my consent. 

Due to the servicers failure to provide written determinations and ongoing communication, my home is now at risk of improper foreclosure. I believe this may constitute servicing errors, failure to comply with loss mitigation requirements, and possible dual tracking. 

I am requesting : Written documentation of the loan modification decision Correction of unauthorized payment activity Confirmation of my foreclosure status Assignment of a responsive single point of contact Compliance with federal mortgage servicing regulations

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
XX/XX/year> I was pre-approved for a loan. On XX/XX/year> according to XXXX motors I was denied. 
I was not provided any further information regarding the denial or a written explanation on behalf of the loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectify these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Braviant Holdings, LLC
State: MN

Complaint narrative:
Company offers refinancing with increased lending contingency which leads to more difficult payoff and obligation fulfillment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I have my rent to my landlord as a scheduled payment on XXXX. It happens the first of every month. The schedule has correctly fired before but this new years it did not fire on XXXXXX/XX/year> like it was supposed to. Adequate funds were in the balance and in the backup payment method balance. The schedule ID is : XXXX However I had to manually trigger my payment at XXXX on XXXX with transaction ID : XXXX I had two other scheduled payments properly fire : XXXX And XXXX I have attached my lease showing in sections XXXX and XXXX the damages liable for late payments and chronic late payments which include fees and potential discretionary termination of my lease. This issue within the application has consequences and makes me liable as stated in my lease. I will attach screenshots of the app of these items and their respective ids. The subsequent manual transaction without adding funds to my balance proves there were sufficient funds in my primary payment method of using my XXXX balance. This issue needs to be corrected and PayPal Inc. should be liable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
b'Illegally took my information around the credit report without my regards'

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 2026-01-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Manhattan Beach Venture, LLC
State: FL

Complaint narrative:
I am XXXX since XXXX. I have submitted the forgiveness form on XXXX different occasions to the department of education. 
This program is for families with circumstances as myself.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Fraud someone open up a credit link with capital one in my name with out my concent. I had no knowledge of this debt.

Company response to consumer: Closed with explanation