vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Property was damaged or destroyed property — 
Company: FirstCash, Inc.
State: TX

Complaint narrative:
I purchased a XXXX gold diamond ring in XX/XX/year> from XXXX XXXX XXXX XXXX XXXXXXXX Texas. Address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. I took it to be tested and I was told that XXXX of the diamonds in the ring was a XXXX diamond and not real. I took the ring back to the pawn shop where I bought it from and they admitted that they didnt know about the fake diamond and offered me a refund for what I paid for it. Im not satisfied with the misrepresentation of this deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint Mortgage has not posted my last XXXX mortgage payments nor have they returned the checks back to me. I have approx. {$25000.00} that have not been applied to my account causing me to fall way behind. On XXXX XXXX, 2025, I sent them {$20000.00} ( the amount that would put my account back in good standing ) It is yet to be processed, This has been happening most of 2025. They will not offer me any assistance nor answer any of my questions whenever I call them because my name is not on the loan but I am on the title. I sent them what they required so they would work with me : My fiancs death certificate, my Driver 's License and proof that I am on the title I have sent this info to them many times but to no avail. They have been accepting my payments for the past XXXX years up until now.

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 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
On XX/XX/year>, I received an email from PayPal that my account was permanently, deactivated and disabled. I called PayPal to get an answer about this. Provided them with some basic information about my transactions and then was told they would follow up by email. I received an email saying that my account was permanently closed and did not disclose the reason why there are funds in my account that they're holding for 120 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Lost my permanent job have a part time job now not enough income pay bills

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

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

Company 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 2026-01-03 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: MO

Complaint narrative:
On XXXX XXXX starting at XXXXXXXX XXXX several withdrawals were made to my Chime Account from XXXX. These were unauthorized. The name on the XXXX that did it was XXXX XXXX. In total they withdrew {$620.00} from my account Fraudulently. I disputed it through Chime 3 times. All disputes were denied and I was told that I need documentation that this was done without my permission. I am unsure what documentation I would be able to obtain showing someone stole money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I received a XXXX transfer to my Bank of America account of {$120.00}. The transfer shows as SETTLED, but my balance never increased. I had {$7.00} in my account before the transfer. I have contacted BofA multiple times, but they are refusing to open a Regulation E missing funds dispute and will not escalate. I am requesting CFPB intervention to resolve this missing funds posting issue. I had XXXX in my account the whole entire time, I watched it the whole day and waited thinking it hasnt processed, but my account stayed the same the whole entire tim, my balance only went up now because I transferred money and Bank of America refused to open a claim and they hung up on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX XXXX unknown charges totalling about {$1000.00} showed up on my Citi card that had a previous amount owed of {$0.00}. Citi is not keeping these charge as Disputed and promoting them to Pended mode. XXXX The XXXX charge is not in dispute mode. 

Bogus Charges on XXXX XXXX were : XXXX individual XXXXXXXX XXXX Bill payments XXXX XXXX  : {$340.00}, {$260.00}, {$72.00} XXXX XXXX XXXX, XXXX XXXX {$250.00} I am not a current XXXX customer and haven't used the company in over a decade. 
I never go to XXXX XXXXXXXX... or rent cars since I've been retired over a decade. 

Someone must have gotten my XXXX info from a database somewhere because the card is seldom used, always paid on time, and never leaves my billfold. No one but me has access.

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 2026-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TekCollect Inc.
State: MO

Complaint narrative:
The multiple choice doesn't fit my issue. I am trying to give TekCollect money for the bill my dentist gave them ( XXXX XXXX, who I am not reporting ). I told XXXX XXXX I have plenty of money to pay the bill that never got paid when they pulled themselves out of my network. Now they won't take the money and TekCollect 's website is erroring and they won't take calls. After about 10 minutes of on hold music they give a message that says you will need to leave a message. Then, they say that the message box is full and disconnects the call. This is ongoing. 
I consider my time to be worth at least XXXX and I'm about 3 hours in with emails and phone calls for XXXX dollar bill. Reading online, this is a pattern for TekCollect and at this point I fear I can only wait for them to sell my debt to an actual debt collector before it can be paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MARINER FINANCE, LLC
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
This dispute began in XX/XX/year>. The account reported by I.C. System, Inc. related to XXXX is inaccurate and does not belong to me. My children never attended XXXX, and no childcare services were ever provided. Although my children were initially registered, they were withdrawn before ever starting, and I have documentation with dates confirming this. 
My children instead attended a different licensed daycare, which can be independently verified. I.C. System and XXXX can confirm this by contacting my childrens actual daycare provider. 
I spoke directly with the XXXX XXXX, XXXX, who acknowledged that my children did not attend and stated she would escalate the issue to management. Despite this acknowledgment, I continued to receive collection calls from I.C. System. XXXX has stated multiple times that it is not requesting this debt, yet I.C. System has continued collection activity. 
I disputed this account multiple times and informed I.C. System that the debt is not mine. The company refused to correct the account and repeatedly told me to pay the debt or take the issue up with XXXX. 
More than XXXX year later, I.C. System reported this disputed and inaccurate account to the credit bureaus, placing it into collections and causing a significant drop in my credit score of approximately XXXX points. 
Because no childcare services were provided and no valid debt exists, this account is false and inaccurately reported. I am requesting immediate removal of this account from my credit report and cessation of all collection activity.

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 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have been a long time customer of Wells Fargo and their credit card service. On XX/XX/XXXX they closed my credit card without notice. Closed the account and removed all access to the account and its rewards. I called Wells Fargo on or around XX/XX/XXXX asked what happened. They said the account was closed and a letter will be mailed to my address with further explanation. I received the letter on XXXX XXXX XXXX and reached out to Wells Fargo on XX/XX/XXXX. Even with the letter I told the Wells Fargo representative what happened. They passed me around and put me on XXXX minute holds because they lacked the information per the representative. 

From my point of view, I have been a customer of Wells Fargo for XXXX yrs. They have had the worst customer experience over this issue. I tired making an XXXX payment from another account from XXXX XXXX. They rejected the XXXX and passed it off as money laundering and they could not verify the accounts. The real reason why they closed this account is due to XXXXyrs of servicing account that they havent received a {$1.00} of interest. They was also a large some of rewards within this account that now magically ends up in the hands of Wells Fargo.

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 2026-01-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Figure Technologies, Inc
State: TX

Complaint narrative:
I am submitting this complaint regarding Figure Lending XXXX  handling of my loan account under a formally reported fraud-induced borrowing dispute. 

Figure acknowledged that my account was under fraud review and that the matter had been escalated to fraud and compliance teams. However, while the dispute remained pending, Figure simultaneously took enforcement-type actions and continued to apply payment pressure without issuing any written determination. 

Specifically : Figure issued adverse account actions, including termination of additional draws and temporary suspension of available credit, while the fraud review was still pending. 
Figure continued to send payment-related and time-sensitive enforcement communications during the pending dispute period. 
Despite multiple written requests, Figure refused to provide a written determination confirming whether the fraud review was complete, denied, or ongoing, and whether enforcement actions were paused during review. 

Timeline highlights include : XX/XX/XXXX local police report filed XX/XX/XXXX FBI XXXX report submitted XXXX Figure confirmed escalation to fraud and compliance review XX/XX/XXXX Figure issued an Additional Draw Termination notice alleging fraud or misrepresentation while the review was still pending XX/XX/XXXX Telephone interview with XXXX  fraud department ; only verbal statements were provided, and no written determination was issued XX/XX/XXXX Figure issued a Time Sensitive Important Information About Your Account notice stating a payment had not been received and that available credit was temporarily suspended, without providing any written fraud determination or confirmation that enforcement actions were paused As of today, Figure has not issued any written final determination while enforcement-type measures continue. 

This places the borrower in an impossible position : expected to comply with payment and enforcement consequences without a written compliance decision, while the lender retains unilateral discretion by refusing to formalize its position.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: AZ

Complaint narrative:
RE : Illegal Rental Debt Collection ( Original Creditor : XXXX XXXXXXXX XXXX ) I am disputing an illegal and unverified debt being reported by IQ Data XXXX. This agency has committed multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

1. Illegal Penalty Under California Law The reported balance of {$8200.00} includes a flat {$6100.00} " Early Lease Termination Fee ''. Under California Civil Code 1951.2 and 1671 ( d ), predetermined lease termination penalties are void. Landlords are limited to actual damages, which the creditor has failed to provide. I have provided an email from the landlord 's director demanding a flat " XXXX month worth of rent, '' proving this charge is an illegal penalty rather than a calculation of actual losses.

2. Violation of FDCPA 1692g ( b ) ( Failure to Cease Collection ) I sent a formal Debt Validation Request ( Tracking # XXXX ) delivered to the collector on XX/XX/year>. The collector was required to cease all collection activity, including credit reporting, until they provided validation. Instead, they willfully verified the debt with XXXX on XX/XX/year>, and XXXX on XX/XX/year>, while the mandatory XXXX " pause '' window was active. 

3. Willful FCRA Non-Compliance ( 15 U.S.C. 1681n ) The collector was formally notified in writing on XX/XX/year>, and XX/XX/year> ( Tracking # XXXX ), that the balance they are reporting is illegal under California law. Despite having notice of the invalidity of the fee, they willfully certified the inaccurate balance to the credit bureaus. 

Desired Resolution : Immediate and permanent deletion of this inaccurate trade line from XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Theyre constantly calling me when Im currently saving up money just to survive. I have no money to pay off their ridiculous credit card debt that accrued on my account through XXXX and XXXX. Please tell them to stop I will contact them when I have the money to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc.
State: AZ

Complaint narrative:
I am an original holder of XXXX tokens on Crypto.com They say they migrated all of them to XXXX  tokens but did not migrate mine. They will not let me access or transfer the XXXX tokens nor convert them to XXXX. 

They keep telling me that they are " working on it '' but it has been over 30 days and 4 responses. They will not let me have access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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:
XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX, TX XXXX XX/XX/year> Midland Credit Management XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX | ( XXXX ) XXXX RE : FINAL NOTICE - FAILURE TO VALIDATE DEBT | VIOLATIONS OF FDCPA & FCRA ACCOUNT # XXXX, {$2000.00} To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to XXXX U.S.C. XXXX of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. 



Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide the following constitutes noncompliance. 



XXXX. A copy of the original signed contract or agreement bearing my signature ; XXXX. A full chain of title including all assignments and transfers of the alleged debt ; XXXX. A bill of sale or purchase agreement proving legal ownership of the debt ; XXXX. Proof of licensing to collect debt in the XXXX of Texas ; XXXX. XXXX bond information. 



A billing summary is not proof a debt ownership or legal authority to collect. Continued reporting of this unverified debt to credit bureaus is a violation of XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) and constitutes furnishing of inaccurate and incomplete information. 



Additionally, continued collection efforts without proper validation violate the FDCPA, specifically : - XXXX U.S.C. XXXX - XXXX U.S.C. XXXX - XXXX U.S.C. XXXX If this account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within XXXX calendar days, I will proceed with legal action against your agency XXXX XXXX U.S.C. XXXX and XXXX, including but not limited to statutory damages, punitive damages, legal fees, and costs. 



This is your final opportunity to resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, and pursue civil litigation. 



Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
This complaint follows CFPB Complaint No. XXXX, which was recently marked closed. 

The original complaint concerned unauthorized electronic fund transfers ( bank transfer fraud ) from my Capital One savings account. Capital One submitted a response ; however, the response did not reference fraud, unauthorized electronic transfers, or Regulation E, nor did it describe any fraud investigation. 

Under Regulation E, financial institutions are required to investigate unauthorized electronic fund transfers and provide a determination and explanation. Instead, Capital One continued to delay responding and closed the account. 

Capital Ones response failed to address whether a Reg E investigation was conducted, the results of any such investigation, or the basis for holding me liable for the unauthorized transfers. 

As indicated in the first complaint, the same activity was investigated properly and deemed fraud by XXXX XXXX XXXXXXXX. Funds were restored in my account following this investigation as the transactions were all unauthorized. 

Given that Capital One did not address the fraud allegations that were the basis of the original complaint, the matter remains unresolved. I am requesting a substantive response that directly addresses Capital Ones investigation and obligations under Regulation E, including the findings and rationale for its determination.

Company response to consumer: Closed with explanation