vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX ( XXXX ) XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX GA XXXX RE : Request for Full Validation of Alleged Debt | Notice to Cease Collection Until Validation Is Provided To Whom It May Concern : I am writing in response to your claim that I owe a debt. This letter is a formal request for full validation of the alleged debt, as provided for under the Fair Debt Collection Practices Act ( FDCPA ) and applicable consumer protection laws. Until you provide all requested evidence, you must cease all collection activity, including any reporting to credit bureaus. I am requesting the following documentation for proper validation : 1. The Complete Assignment or Purchase Agreement A full copy of the assignment contract or agreement that shows the transfer of the alleged debt from the original creditor to your organization, including identifying account details. 2. A Bill of Sale With Identifying Account Information A copy of the bill of sale from the original creditor showing that my specific account was included in the sale or transfer ( not a generic blanket file ). 3. Complete Account-Level Documentation Including, but not limited to : Original signed contract or application bearing my signature Full account statements Charge-off documentation 4. Proof of Licensing and Bonding Provide proof that your company is properly licensed and bonded to collect debts in my state : State license number Bonding documentation Name of the regulatory agency with which you are registered 5. Full Accounting Breakdown A complete breakdown of how the alleged balance was calculated, itemizing : Principal Interest Fees Any other charges This breakdown must clearly show how the current balance was derived from the original amount owed. Important Notice Regarding Credit Reporting ( FCRA ) If you can not provide all requested validation documentation, you must immediately remove any reporting of this alleged debt from my credit file, as required by the Fair Credit Reporting Act ( FCRA ). Continuing to report unverifiable information constitutes furnishing inaccurate data to a consumer reporting agency. Continuing will also result in legal action. Until full validation is completed, you may not : Continue collection activity Sell or transfer the alleged debt Report or verify the debt with any credit bureau Response Deadline Please send all requested information to the address above within 30 days. If you are unable to provide full validation, you must immediately cease collection and delete all credit reporting related to this account. Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
I am filing this formal complaint against National Credit Systems ( NCS ) for False and Misleading Representations and Bad Faith Collection under the FDCPA. NCS has previously responded to my disputes by uploading a XXXX 'document dump ' consisting of an old lease and an itemized ledger. I am rejecting this response as legally insufficient. A contract is not proof of a current, valid debt. Specific Violations : Misrepresentation of Legal Status ( 15 U.S.C. 1692e ) : NCS is reporting a {$12000.00} 'legal debt ' as a verified fact. I have personally confirmed with the Clerk of Courts for both XXXX and XXXX Counties that NO CIVIL JUDGMENT EXISTS. NCS is misrepresenting the legal character and standing of this debt to coerce payment. Failure to Provide Proof of Service ( 12 C.F.R. 1006.34 ) : NCS has never provided a Validation Notice or Proof of Service ( Certified Mail Receipt ). They are attempting to collect on an inflated, unverified bill without following the mandatory notification procedures required by federal law. Intentional Disregard of Evidence : I have already provided proof that the landlordnot the tenantterminated this contract, which voids the charges NCS is pursuing. NCS has willfully ignored this evidence and failed to conduct a 'reasonable investigation. ' NCS is 'parrotting ' back inaccurate information and ignoring the fact that they have no legal authority or court order to collect this amount. Because they can not produce a court-stamped judgment or proof of legal service, I demand the immediate and permanent deletion of this trade line from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I am submitting this complaint regarding the handling of a XXXX transaction that appears to have been incorrectly classified as fraud by USAA. On XX/XX/year>, my company, Movers of XXXX XXXX, received a XXXX payment in the amount of {$600.00} from a customer, XXXX XXXX, for moving services that were fully authorized and completed. The services were performed as agreed, and we have substantial documentation confirming the legitimacy of the transaction, including : A signed invoice from the customer matching the {$600.00} transaction amount XXXX records confirming our crew was present at the customers location performing the service A credit card receipt for the initial fuel fee portion of the job Recorded phone calls in which the customer authorized the XXXX and XXXX performed A XXXX review written by the customer praising the movers and confirming that the services were completed After the services were completed, the customer contacted USAA regarding the transaction. When we later spoke directly with the customer on a recorded call, he acknowledged that the services were authorized and completed. During that conversation, the customer stated that the bank representative he spoke with advised him to report the matter as fraud rather than as a service dispute. Following that report, the XXXX payment was reversed through the banking network as a fraud claim. Based on the documentation we possess, the transaction was clearly authorized and related to legitimate services that were performed and accepted by the customer. If the customers statement is accurate, it appears that the transaction may have been incorrectly classified as fraud rather than as a service dispute. This classification has caused financial harm to my business and has also resulted in restrictions being placed on our XXXX service by our bank, XXXXXXXX XXXX XXXX XXXX I am respectfully requesting that this matter be reviewed by USAA to determine whether the claim was appropriately classified and whether the investigation process properly considered the available evidence indicating that the transaction was authorized. For reference, related complaints regarding this matter have also been submitted to regulators involving the receiving bank. The Consumer Financial Protection Bureau complaint associated with the broader situation has been assigned XXXX XXXX XXXX. I appreciate your time and request that this matter be reviewed so that the transaction classification and investigation process can be evaluated appropriately.

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 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: SD

Complaint narrative:
On XX/XX/XXXX I recieved a notification that my account balance was below the {$25.00} threshold. When I viewed it, it showed my account was temporarily frozen due to a transaction that I made that was more than what I had in my account. I never made a payment of the specified amount. XXXX initially had {$700.00} of my money on hold for 2 weeks prior to this and now I have to pay them {$380.00} to " restore my account ''. Keep in mind XXXX still has {$270.00} on hold also for no apparent reason. I've had zero access to my money in the past 2 weeks and now they want me to pay them almost {$400.00} when {$430.00} mysteriously dissapeared from my account. Make it make sense. And please also make it know that I will be fileing a lawsuit against XXXX for fraudelant transactions if i dont get access to the full amout that my friends initially sent me ( {$700.00} ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
We currently have a CFPB complaint open with the loan origination company, complaint number XXXX. The originator falsely certified our one time close VA construction build as complete while knowing the home was not. They then sold the loan to two more servicing companies and we requested to XXXX XXXX provide documentation regarding the completion of the home and to cease collections considering the false certification. Now rocket mortgage has taken ownership and we formally request any collections cease and due diligence be performed in regards to the validity of the representation that this loan was converted from the construction status. The originator has refused to provide documentation and we have an expert witness report stating XXXX in defects on the home. Additionally the originator has retained XXXX XXXX dollars from the loan for builder penalties which is forbidden contractually. Therefore the fact they have retained funds yet sold the loan at the full amount is another unconscionable act. We demand collections immediately cease and any negative credit reporting be rectified. Additionally Rocket Mortgage must confirm the loan was falsely certified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: MD

Complaint narrative:
XXXX processed my multimeter return refund immediatelyhit the button same day. Chime told me itd show up XXXX. Its the XXXX nowzero dollars. Called XXXX live reps, said kids in the car, no gas, Im XXXX literally said sorry, nothing we can do and hung up. This is predatory delay on purpose. Release the full amount to my account RIGHT NOWno more waiting, no excuses. I have the XXXX receipt and chat logs. If you dont, XXXX escalate to CFPB supervisor and XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proce was unfair and deceptive, as they did not + comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused signfindisimilarnyenience and 56 /K financial loss, and I seek appropriate redress for all these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
Complaint Submission : CFPB ( Short Version ) 1. Personal / Company Information Complainant : XXXX XXXX Company Name : XXXX XXXX XXXX XXXX XXXX XXXX. Email : XXXX 2. Company You Are Complaining About Company Name : PayPal Holdings , Inc. Product/Service : Money transfer service 3 . Complaint Details Issue : PayPal unfairly blocked withdrawal of my funds after 180-day hold and threatens to escheat them. Timeline : Account permanently limited on XX/XX/XXXX. XXXX hold ended XX/XX/XXXX ( balance {$1100.00} ). On XX/XX/XXXX, PayPal emailed threatening to clear funds. Withdrawal remains blocked ; no reason given. Attempts to resolve : Contacted PayPal multiple times, but they failed to explain or restore access. Desired resolution : Lift withdrawal restriction immediately and allow transfer of {$1100.00} to my bank account. 4. Attachments Permanent limit email ( XX/XX/XXXX ) Dashboard showing balance & disabled withdraw ( after XX/XX/XXXX ) Escheatment threat email ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
In XXXX, my mortgage servicer manufactured a false escrow deficit of - {$5300.00} by withdrawing county property taxes from my escrow account after my loan had been approved for payoff. This manufactured deficit was used to justify a foreclosure that resulted in the loss of my home. I obtained and analyzed all Form 1098 mortgage interest statements issued for my account from XXXX. Forensic metadata analysis revealed that the XXXX Form 1098 exists in four versions. Two versions were generated by XXXX XXXX Version XXXX, registered to operator " XXXX, '' with a backdated creation date of XX/XX/XXXX after I filed a HUD Fair Housing complaint on XX/XX/XXXX. These documents bear the XXXX form revision " XXXX. XX/XX/XXXX, '' which is internally contradictory with the XX/XX/XXXX metadata creation date. One version had the CORRECTED box checked ; a later version had it removed. The other two versions were generated by XXXX XXXX and contain garbled text and missing data anomalies. The servicer 's online portal XXXX XXXX export functionality, preventing me from downloading my complete transaction history. A filtered transaction history shows a single fabricated entry dated XX/XX/XXXX for {$5300.00} after the foreclosure sale had already occurred. A false Form 1099-A was also issued reporting incorrect figures inconsistent with court-certified sale documents. I sent a Qualified Written Request via certified mail on XX/XX/XXXX. The acknowledgment deadline and the statutory XXXX response deadline of XX/XX/XXXX both passed without any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
At XXXX XXXX Citi bank fraud prevention called and said I was being chargered XXXX from another state am I still in California. I said yes I dont know anyone in Ohio . The employee asked me to verify my information I did up until he asked for my pin and I know their not sapose to do so.

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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
This is an unauthorized account that is negatively affecting my credit profile. Please help me to rectify this error/fraud. To Whom It May Concern, I am submitting this complaint regarding a debt collection account that is being reported and/or collected without proper validation. I formally requested debt validation from the collection agency pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). To date, the collector has failed to provide sufficient documentation verifying : The original creditors full legal name and address A complete accounting of the alleged debt Documentation bearing my signature showing I agreed to the obligation Proof the collector has legal standing/authority to collect Verification that the amount reported is accurate Despite my request, the account continues to be reported and/or collection activity persists. This is a direct violation of federal law. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), a debt collector must cease collection activity until proper validation is provided. I dispute this debt in its entirety. I request that the CFPB require the company to : XXXX. Provide full and proper validation of the alleged debt ; or XXXX. Immediately cease collection activity ; and XXXX. Remove any inaccurate reporting from all consumer reporting agencies if validation can not be produced. Continued reporting of unverified information is harmful and constitutes inaccurate reporting. I appreciate your assistance in ensuring compliance with federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Carter-Young, Inc.
State: IN

Complaint narrative:
I have some previous debts and debt collectors are calling me. I just wan na be able to get my credit together.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am filing this complaint regarding unauthorized activity and improper handling of my Chase business credit card account. Approximately XXXX years ago I lost my business credit card and contacted Chase to request a replacement. Chase confirmed that a replacement card would be issued. The replacement card was never delivered. Approximately XXXX months later I contacted Chase again because the card still had not arrived. I was again told that a replacement would be sent, however no card was delivered. Because my business was growing and I needed access to the credit line that Chase had approved and promised, I attempted multiple times to obtain the replacement card but Chase failed to provide access to the account. Due to this failure I filed a complaint with the Consumer Financial Protection Bureau. After that complaint, Chase sent me written correspondence stating that the account would be closed. Based on that representation I paid the remaining balance in full. At a later time Chase reopened the account without my knowledge or authorization. Since reopening the account Chase has applied charges, interest, and late fees to the account despite the fact that I did not request the account be reopened and did not authorize any activity. Reopening a closed account without authorization and applying fees and interest to that account is improper and may constitute an unfair or deceptive practice. Additionally, Chases failure to provide the replacement card despite multiple requests prevented me from accessing the credit line that had been approved for my business operations, which caused disruption to my business activities.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
Re : CFPB Complaint Flagstar Mortgage Reporting Error ( Loan # XXXX ) I am submitting this complaint regarding inaccurate credit reporting by Flagstar Bank related to my mortgage loan ( Loan Number XXXX ). In XX/XX/XXXX, my mortgage account experienced a servicing error when the automatic payment was not properly processed by the servicer. My transaction history reflects payment reversals and misapplied funds during that period. After discovering the issue, I continued making my payments on time. My payments from XX/XX/XXXX onward were made before the XXXX of each month and within the standard mortgage grace period, and I later caught up the XXXX payment as well. Despite this, XXXX reported a chain of XXXX late payments throughout XXXX. These late payments appear to be the result of a rolling delinquency caused by the initial servicing error rather than actual borrower delinquency. The loan was later transferred to XXXX & XXXX ; XXXX, where the account is reported as 'Pays As Agreed ', confirming the loan is current and not delinquent. I previously filed a complaint and XXXX only changed the reporting from 120 days late to 30 days late, but they did not investigate the underlying servicing error that caused the inaccurate reporting. Additionally, the reporting appears inconsistent with Metro 2 reporting standards. The Date of First Delinquency reported does not appear to match the payment history timeline shown on the credit report, and the account is reported as transferred with a XXXX balance while still reflecting a chain of late payments. I am requesting that XXXX conduct a full servicing investigation into the XX/XX/XXXX payment processing error and correct the inaccurate late payment reporting with all credit bureaus ( XXXX, XXXX XXXX XXXX ) XXXX XXXX XXXX not provide documentation verifying that the payments were actually late, the inaccurate information should be removed pursuant to the Fair Credit Reporting Act.

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