vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 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: Paypal Holdings, Inc
State: PA

Complaint narrative:
My card for XXXX got locked on XX/XX/XXXX they said they'd unlock it they won't I called them 8 times bout this issue and they ignored me said someone will get back to me someone texts from XXXX at XXXX and then when I go to text back right away they say no ones available to speak right now I'm not able to transfer my money out or even use my card it's already been 3 days almost 4

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
My car basically got broken into and my phone and wallet got stolen. Then on XXXX XXXX my Sofi debit card was unauthorized used for {$500.00}, {$500.00}, {$200.00} totaling {$1200.00}. I filed a police report and a phone insurance claim but they still denied my claim. Which makes no sense. This all happened with SOFI bank

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank has restricted my account without providing a clear explanation, written notice, or resolution timeline. The restriction is preventing access to funds and normal financial activity. I am requesting immediate clarification, removal of the restriction, and confirmation of compliance with applicable federal and state banking regulations.

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 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Prince Parker & Associates
State: IL

Complaint narrative:
PRINCEPARKER is falsely reporting on my credit. I have never had any accounts with them. Per my research PRINCEPARKER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
All dates and amounts are referenced in the attached documents. 
The check dated XX/XX/XXXX bounced in XX/XX/XXXX, Citi was sent a letter in XX/XX/XXXX, Citi responded in XX/XX/XXXX saying the check cleared and to go to their branch and fill out a forgery claim Payee 's principal did comply on XX/XX/XXXX XX/XX/XXXX, nothing came of it to date.

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 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am filing this complaint against CREDIT COLLECTION SERV, which is reporting a {$1200.00} collection account ( Acct. # XXXX ) with the alleged original creditor listed as XXXX, an XXXX XXXX. I never received any written notice, validation letter, or initial communication from this company before or after this account appeared on my credit reports. I became aware of this alleged debt only through credit reporting, which is a serious compliance issue under federal law. 
Despite disputing this account and requesting validation, CREDIT COLLECTION SERV has continued to report the collection without providing any documentation establishing that the debt is legitimate, accurate, or legally collectible. To date, the company has not produced a contract or insurance agreement, a detailed explanation of the alleged obligation, an itemized accounting of the {$1200.00} balance, proof of assignment or authority to collect on behalf of XXXX, or copies of any notices it claims were sent to me. 
CREDIT COLLECTION SERV is a third-party debt collector that furnishes data to consumer reporting agencies and therefore has obligations under both the FDCPA and the FCRA. Reporting a collection account while failing to provide written notice and validation raises concerns regarding false or misleading representations, unfair collection practices, and the furnishing of unverified credit information. Continued reporting without substantiation is not a clerical issue ; it is ongoing non-compliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I just found out recently I have a account opened at the time I was in school and it was a fradulent account I also have a police report on other fraudulent things in my name I have been put in early warnings because of this

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XXXX XXXX Date : XX/XX/year> To : Capital One Auto Finance Credit Bureau Dispute XXXX, Texas XXXX Subject : Formal Dispute and Cease Communication Notice Pursuant to FDCPA 1692c ( c ) Dear Capital One Auto Finance, I am writing in response to your recent communication regarding an alleged debt you claim I owe. Please be advised that under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby request that you cease all communication with me regarding this matter, except as permitted by law.

Additionally, under 15 U.S.C. 1692g ( b ), I am disputing the validity of this alleged debt in its entirety. I am requesting verification of the debt, including but not limited to : XXXX. The name and address of the original creditor ; XXXX. A detailed statement of the amount allegedly owed, including principal, interest, and fees ; XXXX. Proof of assignment or transfer of the debt from the original creditor to your agency ; and XXXX. A copy of any signed contract or agreement bearing my signature that created the alleged obligation. 



Please note that until you provide proper validation of the alleged debt, you must cease all collection activity, including reporting or verifying this debt to any credit reporting agencies. 



If you are unable to provide the requested documentation, or if the debt can not be verified, you are required to delete any reference to it from my credit reports and confirm in writing that you have closed your file on this account. 



I also request that you do not contact me by phone, and that all future communication ( if legally necessary ) be sent only in writing to my mailing address listed above. 



Thank you for your attention to this matter. I expect your full compliance with the FDCPA and other applicable consumer protection laws. 



Sincerely, XXXX XXXX XXXX XXXX XXXX of XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: AL

Complaint narrative:
AARGON AGNCY is falsely reporting on my credit. I have never had any accounts with them. Per my research AARGON AGNCY is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I am not in agreement with this matter being resolved. It's not resolved. They currently owe me {$1500.00} XXXX XXXX  had my loan before NationStar took over. After those loan papers with XXXX XXXX  was signed, I found a descepency in the address of the home vs the address noted on the loan. 
I was not receiving my mail to XXXX XXXX XXXX XXXX, Florida I notified all necessary party 's to my concern. I was told the address on the mortgage papers can't be changed. 

XXXX XXXX XXXX XXXX ( XXXX ) was contacted. I was told if I needed an ambulance or XXXX.... my official address is XXXX XXXX XXXX path XXXX XXXX FL NOT XXXX Mr. Cooper refuses to reimburse me for the full amount of a " lender insurance policy '', because they did not send payment to the insurance company that I signed a policy with. It was sent to Mr. Cooper. See the attached document. Your Quality Assurrance Department needs to be fired. This should have been noted before all this started happening. Mr. Cooper took over my loan from XXXX XXXX. XXXX XXXX  was made aware of the situation. They are the ones that told me to reach out to the County. They got the follow up from me regarding my conversation with XXXX XXXX XXXX ( XXXX ) .I 've had this loan for XXXX  years. 

I had an insurance policy written. Mr. Cooper pays for the policy. Mr. Cooper received the policy which can be seen attached. 

Bottom line, this boils down to QA/QC Non-compliance on Mr. Cooper part XXXX 

The document addressed to me from Mr. Cooper is correct XXXX XXXX Path XXXX, FL The address for the property that a policy was written was for the correct address XXXX XXXX path XXXX, FL XXXX Mr. Cooper indicated they didn't pay the policy I had written because it did not have the correct address. Mr. Cooper sends mail to my correct address XXXX XXXX Path XXXX, FL Enclosed is the document I am referring to above. The insured address is noted correct per what I was told by XXXX XXXX XXXX XXXX. 

I can't help the fact that your XXXX Department had XXXX different addresses on document ( XXXX ) that was never caught. RUFKM on the same document that has the proper address of the home being insured. 

XXXX XXXX XXXX XXXX FL The insurance company canceled the policy I took out because Mr. Cooper didn't pay it. Instead, on the same date of the policy I took out, Mr. Cooper took out a lender insurance policy. And then says they are not refunding me the rest of the lender policy because of a lapse. The lapse is a result of Mr. Cooper not sending in payment to the insurance company for the policy I took out on the home. WITH THE CORRECT ADDRESS. 

Mr. Cooper needs to take accountability for the way they are doing business. 
There should be a government investigation with ALL mortgage lenders.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: IL

Complaint narrative:
My name is XXXX. I am submitting this Notice of Dispute pursuant to Cash App / Block , Inc.s arbitration agreement. 

My Cash App account was closed, and I was informed that a check for my remaining balance of approximately {$900.00} would be mailed to me. 

It has been over XXXX months, and I have not received the check or my funds. I have contacted Cash App repeatedly and received inconsistent information and no resolution. 

On [ approximate date ], I contacted Cash App by phone and requested escalation to a supervisor or compliance XXXX. That request was denied, and the representative disconnected the call. 

Cash Apps failure to timely disburse my funds, refusal to provide supervisory review, and termination of my call have caused financial hardship, stress, and emotional distress. 

I am seeking : Immediate payment of the {$900.00} owed Compensation for damages, including emotional distress Any applicable fees or costs associated with resolving this matter If this dispute is not resolved within XXXX  days, I intend to pursue arbitration and/or file a small claims action in Illinois. 

Name : XXXX XXXX : Illinois Email/Phone : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Thank you for contacting the FCC 's Consumer Inquiries and Complaints Center. 

We have received your submission and have assigned it XXXX XXXX. XXXX. Periodic emails you receive throughout the complaint process updating you about the status of your complaint may reference this ticket number. 

Your submission benefits the FCC by providing us with important information we can use to develop policies to protect consumers, enforce against violations of the Communications Act, and encourage future compliance with the law. 

If you have information to add to your complaint, please respond directly to this email. 

You can view a list of frequently asked questions about the informal complaint process at : XXXX XXXX XXXX Thank you for your help in furthering the FCC 's mission on behalf of consumers

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 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX  is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
The debts this extremely negligent company alleges ARE NOT MINE AND DO NOT BELONG TO ME!! the extremely negligent and incompetent people at LVNV keep marking this as duplicate but THERE WASNT A XXXX LOAN WITH XXXX XXXX THAT I HAD TO BEGIN WITH!!!!!! HOW HARD IS THIS TO UNDERSTAND??????? 
IT CAN NOT BE VERIFIED AS ACCURATE UNTIL I SEE A PURCHASE AGREEMENT AND THE LICENSE FOR DEBT COLLECTION FROM THIS COMPANY. THIS IS A DEMAND NOT A CHOICE. IF THEY CLAIM I OWE A DEBT THEN THEY CAN PROVE IT WOTH A SIGNED CONTRACTUAL AGREEMENT NOT A XXXX STATEMENT!! LVNV isnt getting a XXXX XXXX and I WILL lawyer up against LVNV should it get to this point. until they can show a SIGNED CONTRACTUAL PURCHASE AGREEMENT AND THE LICENSE TO COLLECT IN THE STATE OF ILLINOIS. I AM DONE BEING NICE ABOUT THIS MATTER. I will contact XXXX attorney next. A XXXX STATEMENT THAT HAPPENS TO HAVE MY NAME ON IT IS NOT PROOF AND I WILL CONTINUE DEMANDING THE AGREEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: ID

Complaint narrative:
Today, in addition to my complaint filed # XXXX, Keybank put a restriction on my account and none of my autopay are going through, they accepted my SS direct deposit yet, they are not processing my autopay. This in violation of FDIC FDIC Consumer Compliance Examination Manual XX/XX/year> FDIC Consumer Compliance Examination Manual XX/XX/year> Violations and Concerns This conduct raises serious concerns, including but not limited to : Retaliatory action by a bank employee Improper restriction of consumer accounts Failure to provide required notice of adverse action Disruption of electronic fund transfers resulting in financial harm I would like to submit the attached DEMAND LETTER to the bank, no one from Keybank will provide me a corporate email.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I called Chase to dispute a transaction over the phone regarding an order that was made on XXXX. This order was made through an account that was closed by the time I made the dispute. I was making the claim the I was being actively scammed, which I am. 

I sent a payment to an XXXX seller, XXXX, on XX/XX/XXXX of {$350.00} for a custom order. I was not given a tracking number when it arrived in my area, which I have requested for multiple times. I have been trying to cooperate with them on XXXX to figure out what is going on, but they are running around in circles, claiming that the package is in my area and " will be delivered '' but isn't because the courier needs just a bit more information. First they needed to verify my name on the intercom ( they don't, I've ordered items there before and my name is not on the intercom ), then they needed a different phone number. The courier has never provided a note to prove that they have even attempted a delivery, which the seller claims they have. I was promised a turnaround time of 17 days, which would have avoided the holiday traffic, and now I am being blamed for being impatient with the holiday rush and time off of businesses, which is due to the seller 's incompetence. This is not a small amount of money, and I would like to not have to keep going back and forth when I have no proof that I am even getting an item. 

He is claiming that I am not cooperating even though I have given all information necessary and waited long enough for my item. He is also not providing information when asked ( i.e. tracking number, proof of package location ), claiming I am blackmailing him when asking for a refund or I will file a claim, and overall disrespecting me. 

XXXX has done nothing. Chase has done nothing. XXXX has done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: MO

Complaint narrative:
I received a loan through XXXX XXXX and they did a charge off on my credit report and next thing I know they account was sold to Jefferson Capital Systems LLC, next thing I know I am being sued by a lawyer name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I went into a Best Buy looking for an item around XX/XX/year>. A sales rep approached me and said the item was in stock and come to the register to purchase. He mentioned they were offering a rewards program and if signed up, my purchase would be discounted. I was unaware that awards program was an in-store credit card. After signing up, another sales rep told me the product wasnt in stock. On XX/XX/year>, a credit card arrived by mail. It has not been activated and there have been no charges made. On same day, I tried calling Best Buy and Citi Bank to talk to a live person and explain that the account was open under mislead representation. I would like to close the account with written confirmation of the account closure, no balance existed, and no adverse credit reporting will occur. I have made several attempts at speaking with a live person, explaining the situation but keep getting transferred to an automated system.

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 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief