vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Research Inc
State: IN

Complaint narrative:
In XX/XX/year> I received an email from CRI stating I owed them a large debt. I sent them a debt validation request within in the XXXX  days via certified mail because I have never opened credit with this company. They did not respond to my request and began pulling funds from my bank account without my authorization to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Relay Financial (US), Corp.
State: MA

Complaint narrative:
I am filing this complaint regarding the restriction, closure, and continued withholding of funds from my business account for XXXX XXXX XXXX, XXXX by Relay Financial. 

On XX/XX/year>, XXXX initiated a compliance review regarding a {$4900.00} check deposit. The check was a bank-certified closing check issued by XXXX XXXX XXXX XXXX representing the remaining balance of a previously closed business account. It was not payment for goods or services. It was a disbursement of my own funds from a closed account. 

Relay requested contracts and service confirmations linking the issuer to my business. These were not applicable because the check was issued as a bank closing disbursement. I provided a closing bank statement, the certified check receipt, and Massachusetts XXXX of XXXX business registration documentation. 

Relay then required that statements be submitted in TruePDF format downloaded directly from the bank portal. However, the issuing XXXX XXXX account was already closed and I no longer had portal access. I clearly explained this multiple times and submitted scanned official mailed statements, which were the only available format. 

Relay refused to review the mailed statements and continued to insist on portal-generated PDFs that are impossible to obtain from a closed account. I requested that Relay contact XXXX XXXX directly to verify the certified check. They did not confirm doing so. 

During this process : My entire business account was frozen All debit cards were disabled All funds were restricted, not just the deposit in question Requests to release unrelated funds were not addressed Requests for supervisor escalation were not honored On XX/XX/year>, Relay closed the account and stated that remaining funds would only be mailed after completion of an investigation process, which could take up to 45 days. They did not provide specific findings or a clear explanation for the continued retention of my funds. 

This is a business operating account. The full freeze and prolonged withholding of funds has materially disrupted my business operations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I recently reviewed my credit report and noticed that your company is reporting a debt under the above-referenced account number. I do not recognize this debt and am formally disputing its validity under the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F ( 12 CFR Part 1006 ). Additionally, I am requesting full validation of the debt under my rights provided by the Fair Credit Reporting Act ( FCRA ).

Debt Validation Request Under Regulation F & FCRA To comply with federal regulations, I request that you provide : 1. Creditor Information : The name and address of both the original creditor and the current creditor who owns the debt. 
2. Debt Verification : o A breakdown of the debt amount, including principal, interest, fees, and other charges as required under 12 CFR 1006.34 ( c ).

o Proof of a valid contract or agreement establishing the alleged debt and my obligation to pay it.

3. Itemization Date : Provide the specific reference date you used in your itemization ( such as the last statement date, charge-off date, or last payment date ).

4. Assignment Records : Copies of all assignments or transfers demonstrating the chain of ownership of this debt from the original creditor to your agency.

5. Proof of Permissible Purpose : o Documentation explaining the permissible purpose under which you accessed and reported this debt to the credit bureaus, per 15 U.S.C. 1681b ( Fair Credit Reporting Act ).

6. Cease Collection Until Validation Is Provided : If you can not provide proper validation, I request that you immediately cease all collection activities and remove this account from my credit report.

7. Credit Reporting Requirements : o If this alleged debt is reported to the credit bureaus, I request that it be marked as disputed by consumer per 15 U.S.C. 1681s-2 ( a ) ( 3 ).

o If this debt can not be validated, I demand that it be deleted from my credit report immediately in accordance with the FCRA.

8. o I request confirmation that no negative information will be furnished to the credit bureaus during the validation process, per Regulation F guidance.

Notification to Future Collectors : If you transfer or sell this account to another agency, they must also be informed of my dispute per 12 CFR 1006.30 ( d ) ( 1 ).

Next Steps Please provide a written response to this request within the legally required timeframe. If you can not validate this debt, I expect you to promptly remove it from my credit report and cease all collection efforts.

Additionally, I do not consent to any form of contact via email, phone, or text message. I request that all communications be conducted strictly via mail.

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MD

Complaint narrative:
" My name is XXXX XXXX ( Account ending in XXXX ). On XX/XX/year>, at XXXX XXXX, a transaction for {$93.00} to XXXX XXXX XXXXXXXX XXXX ' was processed on my account. This order was never received as the package was stolen from my residence at XXXX XXXX XXXX XXXX, XXXX, MD XXXX. 
I filed a dispute with Chime on XX/XX/XXXX ( Dispute # XXXX ) and provided supporting documentation on XX/XX/XXXX. Despite reporting this immediately, Chime denied my claim on XX/XX/XXXX. Under Regulation E, I am entitled to a 'reasonable investigation ' of this error. Chime has failed to provide the evidence they relied upon to deny this claim or acknowledge the theft of the items. I am requesting a full reinvestigation and a refund of the {$93.00}. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I entered into a six-month forbearance repayment plan with my mortgage servicer, Select Portfolio Servicing ( SPS ). Five of the six required payments have been acknowledged as received. 

The XX/XX/year> payment in the amount of {$3600.00} was debited from my bank account via ACH and has not been returned. A payment research case has been opened by SPS regarding this transaction. 

Despite this, I am being told that I can not complete my original six-month repayment agreement and am instead being offered a new repayment plan. I am requesting that : The XX/XX/XXXX ACH payment be properly investigated and credited if received. 

My existing six-month repayment plan remain active while the investigation is pending. 

My account not be coded delinquent or in default during this investigation. 

No negative credit reporting or collection activity occur while this matter is under review. 

I am seeking proper accounting of the XX/XX/XXXX payment and the ability to complete my agreed repayment plan. 

XXXX XXXX XXXX sps act # XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc.
State: TX

Complaint narrative:
I have an account with Revolut Business and in my account I have XXXX XXXX USD which when I wanted to transfer my funds they blocked my account stating that it was for a routine review that would last XXXX hours, which was not the case and after these XXXX hours they did not let me withdraw my funds, that Revolut company scams with company funds

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: BROADVIEW MORTGAGE CORPORATION
State: NY

Complaint narrative:
Last year, I made several payments 2-3 payments that were claimed to be returned due to insufficient fees. Last week, I made a payment on XX/XX/year>. The funds were never taken out, so I called today to make another payment and asked what was the hold up? I was told the funds were returned on XX/XX/year> for insufficient fees. Again, I am only learning this because I called. I did not receive anything in the mail, email or telephone call stating the payment did not go through. I would like to investigate all returned transactions and see evidence that the payment was actually attempted for processing and response from the bank. 
In addition, my account was moved to Loss Mitigation, and I never received any notification of this. It is only when I called last week that I was informed. 
I also have learned that my payments have been getting taken out by a different mortgage company so I believe that my mortgage has been sold as well and I have not received any information regarding this either. 
Broadview has been severely lacking with documentation and providing information to their consumers.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: NJ

Complaint narrative:
received a mortgage statement for XXXX that says that we owed nothing for this month. thinking we over paid.... then I call in to make a payment for XXXX. the person the the phone states that we owed for both months... I stated that I have last months statement and it says we don't. made XXXX 's payment, spoke to XXXX for the bankruptcy dept. and he is currently creating a case again for the same problem that occurred for this last time, yes this happed again for us again. if you look back in my complaint history, you'll see that they pulled this stunt. And I would like some kind of action taken to penalize these people for committing this again. I want to see something done, where this doesn't happen again and put me and my family in harms way AGAIN!!!!! I would like to be contacted about this case and would like to know now who else I have to contact about this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 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: IL

Complaint narrative:
On XX/XX/year> at approximately XXXXXX/XX/XXXXCST, an unauthorized {$980.00} USD transaction was initiated from my PayPal balance via XXXX to XXXX Bank in XXXX XXXX. I was asleep at the time and did not authorize this transaction. I have never used XXXX before. 

I immediately reported the transaction to PayPal as unauthorized activity and secured my account by changing my password and enabling two-factor authentication. PayPal closed my unauthorized activity case within hours and determined the transaction was authorized without providing meaningful explanation or reviewing clear account takeover indicators, including XX/XX/XXXXtime XXXX usage and an international transfer while I was inactive. 

I requested further investigation, login/IP/device information, and supervisor escalation. This information was not provided. I am requesting a formal review of this transaction as account takeover fraud and reimbursement of the {$980.00} USD unauthorized withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I believe around XX/XX/year> I received a XXXX $ in the mail in the form of a loan from regional finance. I agree to the terms of the loan once I signed the check and deposited into my bank chase my bank rejected the check for fraud for fraudulent reasons and at this time they also closed my accounts for this reason. They had said that their security system they could not confirm that regional finance is the one that made the check out to me. Ive given them the regional finance headquarters phone number they have contacted them and verified that it is a legit check that I did take a loan out with them, but without the phone number being verified through Chases security system, they will not release the funds to me. Chase is still holding the check. 
I would like to get the issue resolved. Maybe Chase needs to update there security system phone number so that this issue is fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Opportunity Financial, LLC
State: VA

Complaint narrative:
In XX/XX/XXXX, I obtained a {$2600.00} installment loan requiring weekly payments of {$110.00} at an XXXX of approximately 160 %. 

Since XX/XX/XXXX, I have made multiple weekly payments as agreed. However, my payment history reflects extended periods during which cleared payments were applied entirely to interest, with {$0.00} applied toward principal reduction. 

For example, cleared weekly payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each show the full {$110.00} applied to interest and no reduction to the principal balance. 

In each of these instances, despite timely payments being made, the principal balance did not decrease. As a result, after months of consistent payments, the outstanding principal has remained largely unchanged for extended periods of time. 

Additionally, multiple reversed ACH transactions were followed by continued daily interest accrual at a very high rate, further increasing the total cost of the loan and making meaningful principal reduction extremely difficult. 

I am continuing to make payments in good faith. However, I am concerned that the method of daily interest accrual and payment allocation results in excessive interest accumulation that prevents reasonable amortization of the loan balance. 

I am requesting : XXXX A full accounting breakdown of daily interest accrual calculations. 

XXXX A detailed explanation of how payments are allocated between interest and principal. 

XXXX A review of whether the loan servicing practices comply with applicable consumer protection and lending regulations. 

XXXX Consideration of a hardship-based principal balance adjustment or other resolution option.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 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: OH

Complaint narrative:
On XX/XX/year>, I purchased a XXXX XXXX device on XXXX for {$210.00}, paying through PayPal. The PayPal invoice ID for this transaction is XXXX. 

By XX/XX/year>, XXXX still showed that the seller had not shipped the item, so I contacted the seller requesting tracking information. The seller did not respond. As of XX/XX/year>, the item had still not been delivered and no tracking information had been provided, so I opened a dispute with PayPal for non-receipt of merchandise. 

On XX/XX/year>, after the dispute was opened, the seller added a USPS tracking number ( XXXX ) claiming the package was delivered on XX/XX/year>. I contacted USPS directly, and USPS confirmed that this tracking number does not correspond to my address. The tracking only shows that a package was delivered somewhere within my ZIP code, not to my residence. 

On XX/XX/year>, I submitted additional information to PayPal, including : Evidence that the tracking number was not associated with my address Information showing the seller had recent negative feedback from multiple buyers reporting similar scams involving non-shipment Copies of my unanswered messages to the seller Despite this evidence, on XX/XX/year>, PayPal closed the dispute in the sellers favor solely because a tracking number was provided. 

PayPal is aware that fraudulent sellers can purchase or reuse tracking numbers that only confirm delivery to a ZIP code and not to the buyers address. PayPal failed to conduct reasonable due diligence to verify whether the tracking number was legitimately associated with my address or delivery. PayPal did not act in good faith and failed to provide the buyer protection it advertises. 

As a result, I was denied a refund for merchandise I never received, despite providing evidence that the sellers tracking information was invalid and misleading.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
This is in regard to my XXXX XXXX credit card. 
My XX/XX/XXXX statement balance was {$1600.00}, due on XX/XX/XXXX. On XX/XX/XXXX, I paid {$1600.00}. A typo/mistake on my part, so I underpaid my balance {$0.00}. 

My XX/XX/XXXX statement balance was {$810.00}, which included an interest charge of {$2.00}. Ok, I understand - my {$0.00} typo resulted in interest. No biggie. I paid that in full on XX/XX/XXXX, prior to the XX/XX/XXXX due date. 

My XX/XX/XXXX statement balance of {$1400.00} included interest charges of {$22.00}. When I inquired about these interest charges, since my last statement was paid in full, I was told I needed 2 billing cycles to " be back in grace ''.

This is excessive! Coupled with the fact that I have NEVER had a late payment with this company ( or others ). A 60-cent typo has now resulted in an interest penalty to get back in grace? Seriously?

Company response to consumer: Closed with monetary relief