vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 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: NC

Complaint narrative:
I have filed XXXX disputes for unautherized charges on my XXXX account totalling over {$360.00} which has caused a huge financial burden on me. I disputed these charges with in the hour that the charges were showing up and that was on XX/XX/year>. Since calling and disputing these unautherized charges I have made several attempts to speak with someone in the fraud dept for an update and I am always told a supervisor would call me and I have yet to receive any calls from anyone. I was supposed to receive a provsional credit with in 10 days if they could not close out my case. I have not received my provisional credit and its been 12 days now and my disputes are not moving forward with being resolved. I had called XXXX multiple times letting them know that these unautherized charges have caused a huge financial burden and it seems as though the customer support does not care. I need some help to get this escalated since I can't even get a call back from a supervisor at XXXX that was promised on more tha XXXX occasion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-28 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
Was scammed out of XXXX dollars via Cash App and they did not refund the money. They provide fraud protection and its deceptive since they didnt provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
On XX/XX/year> I paid {$400.00} to The XXXX. This covered me and my husband 's application fees ( {$100.00} ) and the admin fees ( {$300.00} ). We were told admin fees are refunded if you don't move in. We were refunded {$300.00} in XX/XX/year>. However, we're not getting collection notices saying we owe {$400.00} - {$200.00} for me and {$200.00} for my XXXX. I called the apartment numerous times and they say they'll resolve it but do not. When I follow-up, they don't answer or tell me to call back on certain days but don't answer for fix it. I will attach the {$300.00} refund document that The XXXX sent me. As you can see, they acknowledged the refund in XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
I previously made a payment directly to the hospital for this medical bill and was not informed at that time that there would be any remaining balance owed. Because of this, I am confused as to why I am now being contacted by a debt collection agency for additional charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I never consented to the release of my medical information to this debt collector. Because the medical account contains private information, it should not be reported on this account because you are infringing on my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Klarna AB
State: OK

Complaint narrative:
I have been arguing back-and-forth for at least the last XXXX days with Klarna I have received a refund and when they did not send it to the bank that was linked with the account, they added it to the klarna balance without notification, when I had noticed the situation, I tried to withdraw the funds. It was not working. It was saying it needed ID verification, which I had proceeded to verify XXXX times over a span of XXXX days every single time it said it did not recognize the ID. I believe that is because the state of Oklahoma has updated the Oklahoma State drivers license and has also made the license also an official form of ID as well. Upon bringing this up to the company, they escalated the situation and then proceeded to tell me the same exact thing over and over again without actually helping .. they tell me there is no way around the automated AI ID verification system and that I will just have to continue to try. I informed them I had no other form of identity like a green card or a tribal ID and they said that I would need a different form ID other than the drivers license since it was not working, but then I continued to inform them again, that is the only form of ID that I have available. They then asked for a second bank account. And are still not fixing the issue.. the balance still remains at {$150.00}. They told me to try to add a card add money and then cash out but it still wants me to verify my identity. Nothing is working and they are refusing to fix the issue and keep giving me the runaround that is why Im reaching.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: AR

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 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2026-05-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NRA Group, LLC
State: TX

Complaint narrative:
To whom it may concern : I am filing a complaint regarding an auto loan/account originally with XXXX XXXX in XXXX XXXX XXXX TX. My vehicle was voluntarily repossessed and returned to the dealer in or about XX/XX/year>, XXXX XXXX sold this account to a XXXX company not sure of the name. Since that sale, I have not received any notices, billing statements, or communications from the purchaser about this account. Despite the lack of any contact, this account now appears on my credit report and is harming my credit score. I dispute the accuracy and completeness of the credit reporting and request CFPB assistance to investigate the following : Confirm whether the purchaser provided proper notices after buying the account in or around XX/XX/year>. Verify the status and balance of the account, including any deficiency amount, collection activity, and whether collection statutes of limitations apply. Ensure my credit reports are corrected or removed if the reporting is inaccurate, incomplete, or not properly documented. Provide any documentation showing chain of title/assignment and notices sent to me after the sale. I request that CFPB require verification of the debt and removal or correction of any inaccurate credit reporting unless the purchaser can substantiate the debt with proper documentation and proofs of notice. Please contact me at the phone or email if you need any additional information. Thank you for your help. XXXX ( XXXX ) XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NCB Management Services Inc.
State: TN

Complaint narrative:
Sent the following to the company on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XX/XX/year> File # XXXX NCB Management Services , Inc. 1 XXXX XXXX XXXX PA XXXX XXXX : Formal Request for Debt Validation and Dispute of Reporting Accuracy Account originally with XXXXr To Whom It May Concern, I am writing regarding the above-referenced account that appears on my credit report and is associated with XXXX and NCB Management Services. This letter serves as a formal request for validation of debt under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), as well as a dispute regarding the accuracy and completeness of the information being reported. 1. Request for Full Debt Validation Please provide complete and verifiable documentation confirming the following : The original agreement or contract with XXXX establishing the alleged debt A complete chain of assignment or ownership, showing how the debt was transferred from XXXX to NCB Management Services Documentation demonstrating that NCB Management Services has the legal authority to collect and report this debt A full itemization of the alleged balance, including principal, interest, fees, and any adjustments or credits applied The date of the first delinquency associated with this account Until such documentation is provided and verified, I dispute the validity, accuracy, and enforceability of this alleged debt. 2. Dispute of Credit Reporting Accuracy My credit reports reflect accounts associated with XXXX and NCB Management Services for the same alleged obligation. Accordingly, I request clarification and correction of the following : Confirmation of whether NCB Management Services is the current legal owner of this debt Confirmation that XXXX is reporting only historical account information and not an active balance Verification that no duplicate, inaccurate, or misleading reporting is occurring across any credit reporting agencies If any information reported is found to be inaccurate, incomplete, or unverified, I request that it be immediately corrected or removed in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 3. Request for Cease of Collection and Reporting Pending Validation If NCB Management Services can not provide full validation of this debt, you are required to cease collection activities and ensure that any related credit reporting is updated or removed as required by law. 4. Good Faith Resolution While I dispute the current validity and accuracy of this account, I remain willing to resolve any legitimately verified obligation once proper documentation is provided. Please provide your response, including all requested documentation, within the timeframe required by federal law. Sincerely, XXXX XXXX To date, I have received no answer or any communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
I was asked to make a deposit for a XXXX cruse by an invoice to me. The invoice gave me this information : PAYMENT INSTRUCTIONS : Amount payable in XXXX Dollar to the following NEW account : XXXX : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, DELAWARE, XXXX, XXXX. BANK XXXX : CITIBANK XXXX XXXX ADDRESS : XXXX XXXX XXXX, XXXX, ( XXXX ) FLORIDA XXXX ACCOUNTS : ( number withheld for now ) I had my bank send a check for {$1400.00} to the above bank to be deposited into the given account. The check was sent and cashed but not deposited. I dont know where the money went, the bank wont tell me because I am not the owner of the account. The cruse company claims that the money did not enter the account. I have a copy of the cashed check from my bank.

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 2026-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I am submitting a follow-up complaint regarding the same account because the companys prior response failed to adequately address the issues raised in my original complaint. Although the company provided a copy of the lease agreement and a ledger, it did not properly investigate or meaningfully address the documented habitability concerns affecting the property, including mold and unsafe living conditions. These conditions materially impacted my ability to safely remain in the unit. Supporting evidence was previously provided, yet the company failed to address this evidence in its response. Additionally, the company did not demonstrate that the disputed charges, particularly the early termination fee, are legally enforceable under these circumstances. The response also failed to address whether the property fulfilled its legal obligation to provide a safe and habitable living environment. This complaint is being resubmitted due to the companys failure to conduct a reasonable investigation and failure to address material facts directly impacting the validity and enforceability of the alleged debt. I am requesting that the company conduct a proper and reasonable investigation into the disputed debt and the habitability concerns previously raised. The property has reportedly been under investigation regarding habitability concerns, including mold-related issues. I also provided supporting documentation, including evidence of mold present on my childs crib and a doctors note stating that my son could become severely ill if we remained in the residence. As a mother, I could not reasonably risk my childs health and safety by continuing to live in those conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: STANDARD MORTGAGE CORPORATION
State: LA

Complaint narrative:
In XXXX, I was let go in XX/XX/XXXX & didn't find work til XX/XX/XXXX. In XX/XX/XXXX I was let go from my job b/c it was seasonal work. Standard Mortgage was updated every time on everything that was happening. When I got another job in XX/XX/XXXX, I updated SM again on the fact that I would receive 1 check for XXXX because of the pay period and its XXXX & when I started. I updated SM again letting them know what I just stated to you & that I would have to push my payment arrangement from XXXX to XXXX and start making my XXXX payments a month until I was square w/ the loan. XXXX XXXX was the man I was communicating with. Then about 3 days ago, I receive an email from XXXX XXXX informing me of my loan being reviewed and approved for foreclosure. They also removed the payment button from their website when I told them I am trying to make my payments for the month of XXXX. They said we removed the payment button b/c its only for current accounts. SM is what is standing in my way of paying my loan. I have emails and cell phone records to disprove what they are saying. Technically I have til the end of XXXX to make these payments but instead they emailed me to tell me I can call the lawyer 's office to try and reinstate my loan, XXXX didn't communicate to XXXX and both ignored my emails. XXXX XXXX and XXXX XXXX are just XXXX of several employees of SM that do not do their jobs to its full extent. Customer service does not exist at SM unless you are buying a home. None of this had to happen if SM would communicate in house and understand that life happens to all of us. I did my part in communicating with them. I am ready to make 2 payments this month but SM doesn't want those payments. They would rather ignore a customer who is struggling and send them to foreclosure. This is the worst company for maintaining your mortgage.

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 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: WV

Complaint narrative:
I received a phone call stating my son needed XXXX processing fee bond he walked me threw added chime app to my phone then transfered by a bar code XXXX cash i realized it was a fraud and contacted store and corrupt to dollar general and chime filed a fraud case and was denied stated was no error on XX/XX/2026 cash XXXX XXXX I reported to dollar general and chime the fraud from person where I sent it and i reported to police XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have a mortgage with Newrez LLC ( loan number XXXX ) on my home at XXXX XXXX XXXX, XXXX CA XXXX. I am voluntarily continuing payments post-bankruptcy discharge in order to retain the property. Newrez 's accounting of my payments does not match my bank 's confirmed records, and the Newrez bankruptcy department refused to investigate or reconcile when I called. My credit union, XXXX XXXX XXXX, has confirmed that the following three ACH payments to Newrez settled successfully, were not returned, and have no offsetting reversal credit posted back to my account : XX/XX/year> {$820.00} ACH trace number XXXX XX/XX/year> {$820.00} ACH trace number XXXX XX/XX/year> {$2000.00} ACH trace number XXXX These appear on my bank statements as " XXXX XXXXXXXX XXXX XXXXXXXX ID : XXXX. '' However, the Newrez mortgage statement dated XX/XX/year> contains multiple entries that do not match what actually happened at the bank. Specifically, the statement shows " Reversal of Regular Payment, '' " Reversal of Unapplied Payment, '' and " NSF Fee Assessment '' entries on XX/XX/year>, XX/XX/year>, and XX/XX/year>. The bank has confirmed no payment was ever returned and no NSF event occurred. The statement contains multiple sequential entries reversing and re-applying the same dollar amounts across principal, escrow, and unapplied/suspense buckets, creating a confusing ledger that does not reflect the actual movement of my money. On [ insert call date ], I called Newrez at XXXX and was transferred to the bankruptcy department. The specialist refused to discuss the account or reconcile the discrepancy, citing the bankruptcy discharge as the reason. This response improperly conflates discharge of personal liability with my right to accurate accounting of voluntary payments made post-discharge to maintain the lien on the property. I am requesting that Newrez identify how each of the three traced ACH payments above is currently classified on the loan and where the funds are presently held ; provide a written explanation of every Reversal and NSF Fee Assessment entry on the XX/XX/year> statement ; apply any funds currently held in unapplied or suspense to the oldest contractual due date ; confirm in writing the current contractual due date and any past-due amount ; and confirm the routing and account number on file for ACH pulls. Written confirmation from XXXX XXXX XXXX is available as supporting documentation.

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 2026-05-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
Before leaving the United States for XXXX XXXX XXXX, I opened a temporary XXXX XXXX XXXX wireless line that I only intended to use briefly. At the time, I was under the impression from conversations with XXXX XXXX XXXX representatives that discontinuing payment/service while overseas would effectively terminate the line since I would no longer be using the service in the United States XXXX I did not intentionally maintain ongoing service or knowingly leave an unpaid active account. After returning from military service, I later discovered that the account had been sent to collections and reported by Credence Resource Management. I dispute responsibility for this debt under these circumstances and believe the account should be formally reinvestigated. I also dispute the collection reporting associated with this account due to the misunderstanding surrounding termination of the service before my overseas military service. I previously disputed the account through the credit bureaus and was instructed to contact XXXX XXXX XXXX directly. I am requesting a full reinvestigation of this matter and removal of the collection reporting if appropriate.

Company response to consumer: Closed with non-monetary relief