vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
It started when my last citicostco credit card ending XXXX was closed last XX/XX/XXXX without apparent reason they closed it and I didnt requested to reopen or open an account, not with XXXX XXXX. I started having credit card with XXXX since XXXX. But these past 2 years XXXX to XXXX, there were lots of fraud bill that they provided gave me new credit card accounts more than 5 times last XXXX. Since closure of this XXXX card XX/XX/XXXX I didnt open new. I was just surprised I received a bill statement from collective agency MCM this year XX/XX/XXXX amounting to {$10000.00} I didnt open that account and besides the dates of bills when were in XXXX on vacation. The second bill sent by same collecting agency MCM that came from XXXX XXXXXXXX XXXX card I applied last XX/XX/XXXX after I bought clothes estimated {$56.00} in XXXX XXXX XXXX XXXX but the card wasnt in the mailbox after XXXX weeks. I called the customer service & told me that they delivered the card and the card was already activated and used with many charges. I requested for bill statements of those charges but still didnt received it in my mailbox. I told them I just pay my debt estimated {$56.00} through phone and requested to stop the account. They told me to send requirements like sss, drivers license to XXXX XXXX but I wasnt able to. Im just surprised they didnt close the account and I didnt received any letters or calls from them until I received the debt collection through MCM. In addition to information there were also missing mails in our mailbox like passport of my grandson. I dont really who opened an account in my name in XXXX and who used my XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
They call to collect debts from collections agencies and other companies that I never used.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: FL

Complaint narrative:
On Monday XXXX I withdrew XXXX to netspend account I've been calling ever since Monday at late at night they answer they told me that they will put my money back to my XXXX account cause they said they do not take any more gambling site so today is Tues im still waiting for my money to post back to my XXXX account to Tuesday I've been calling all day and still no answer I need my money asap my name is XXXX XXXX my number is XXXX someone better get a hold of me by tomorrow I dont like my money in the air

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 2026-03-31 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: WA

Complaint narrative:
On XX/XX/XXXX I lost my debit card. I looked for it with no luck. XX/XX/XXXX after looking again I decided to call the bank and order a new card and that's what I found out that someone was making unauthorized charges on my account. Bank told me I had nothing to worry about they would send out a new bank card and stop any more transactions from going through and they would do an investigation and refund the money back to me but somehow doing their investigation they decided to take the money back from me what time requested it'd be funny because I did not make those unauthorized charges

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX early like the XXXX or so the year XXXX. I was robbed at a hotel my whole wallet. I advised bank of America as soon a I saw numerous of charges on my account which was XXXX at the time these charges were not red flagged as fraud until I found them went to the bank in XXXX Georgia without my id that was stolen as well. I told the branch manager I want to close the account she told me to go to the police dept which I did I went to two of them to be told I need an i.d . I did not have and being XXXX miles away from my home state I couldn't get there to get a bew i.d.without money which was also in my wallet and all my charge cards all being hijacked. Bank of America would not close my account would only let me get XXXX a day out my money was slowly disappearing and bank of America is 100 percent at fault. I found one bank of America on my way to California from Florida for a family wake. They let me get out XXXX a day but couldn't close it down this is unheard of. Any event Bank of America never honored the numerous fraud like six charges of XXXX. XXXX XXXX to some guy name XXXX. XXXX XXXX at an all XXXX XXXX club I never been to in my life. XXXX XXXX or so. XXXX to the fraudulent address XXXX XXXX XXXX bills I dont have XXXX XXXX I wasn't in Georgia . XXXX XXXX for XXXX hotel numerous rooms on the same charged to my boa. The employees were in on this. Bank of America sent them my new card overnight and I never received it until I went there and asked for them to find it 4 days later I got it. I want my money back. I want and audit done in this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I have disputed multiple accounts being reported and collected by LVNV Funding LLC and its servicer, Resurgent Capital Services, both directly and through the credit reporting agencies. These disputes were sent in multiple rounds, including disputes submitted through a third-party platform that generated and mailed multiple dispute letters to both the furnishers and the credit bureaus. Despite providing sufficient identifying documentation, including a copy of my identification and a bank statement, all XXXX credit reporting agencies XXXX, XXXX, and XXXX claimed they could not verify my identity. This is inaccurate and appears to have been used as a reason to avoid conducting a proper investigation into the disputed accounts. In response to my disputes, LVNV Funding LLC and Resurgent Capital Services provided Account Summary Reports that explicitly state they are not credit card or original creditor statements. These documents are self-generated and do not constitute proper validation of the alleged debts. Additionally, the documentation provided contains material inconsistencies across multiple accounts. In one account, the charge-off date is listed as occurring before the statement closing date. In another account, the charge-off date occurs before the listed payment due date. These inconsistencies make the reported timelines unreliable and call into question the accuracy of the information being furnished. For example, one account shows a charge-off date of XX/XX/year>, while the corresponding statement shows a closing date of XX/XX/year> and a payment due date of XX/XX/year>. In another account, the charge-off date occurs before the listed payment due date, indicating that the account was reported as charged off even though a payment was still being demanded afterward. Additionally, one of the accounts with similar inconsistencies has already been deleted from XXXX following my dispute, while similar accounts continue to be reported by other agencies. This demonstrates inconsistent handling of the same type of information and raises further concerns about the accuracy and reliability of the reporting. Despite multiple disputes and requests for validation, these accounts continue to be reported as accurate. Reporting information as verified while relying on inconsistent timelines and documentation that is not from the original creditor raises serious concerns about whether a reasonable investigation was conducted. This issue is not isolated to a single account, but reflects a pattern of inaccurate reporting and failure to properly investigate across multiple accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: WI

Complaint narrative:
When moving out in 2023 a rental company sent us to collection for our final month of rent, which was paid. They sent us to collection without attempting to get it from us first. Collection attempted to get debt paid by another tenant and they provided that debt was paid. Now they are contacting me for the same debt more than two years after the fact. The rental company also has been sued and settled with the Federal Trade Commission for deceiving renters and charging undisclosed fees. With asking for debt validation they did not give all of the information requested, but sent me solely a copy of my lease which I have and move out information which is from before we settled out the first time because we paid the rent.

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 2026-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUIST FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have been attempting to resolve issues with my mortgage payment with Truist Bank since XX/XX/XXXX. After learning that prior mortgage payments had been returned, I opened a Truist checking account to ensure I could make direct payments instead of relying on external bill pay. However, I was not informed until XX/XX/XXXX that my mortgage account had been placed under a restriction requiring all payments to be made using certified funds. Since then, I have made multiple attempts to comply with this requirement. I attempted internal transfers between my Truist accounts, which were not permitted. I attempted to initiate a wire transfer, but was informed that I must visit a branch to do so, and there are no accessible Truist branches in my area. I also attempted to use third-party services such as XXXX and XXXX XXXX , but my mortgage account number was not accepted. In addition, these services required payments to be sent to SunTrust Bank, which created confusion given the merger into Truist. Due to the lack of a workable payment method, I initiated payments in good faith through available options. As a result, two payments were withdrawn from my account : XX/XX/XXXX payment intended for XXXX mortgage XX/XX/XXXX payment intended for XXXX mortgage As of now, both payments have been withdrawn but have not been applied to my mortgage account. I contacted Truist multiple times and was transferred between departments without resolution. On XX/XX/XXXX, I received a call from Client Advocacy, but when I returned the call I was told it was made in error. I later spoke with a representative on XX/XX/XXXX who provided a case number and acknowledged my concerns were valid. On XX/XX/XXXX at approximately XXXX XXXX, I spoke with another Client Advocacy representative who focused on explaining process and procedure rather than addressing the issue that funds had already been withdrawn and were in transit. I was not provided with a clear explanation of how the payments would be handled once received, and the discussion focused on closing the case rather than resolving the issue. At this point, my funds are in limbo. I have sufficient funds and have made multiple good-faith attempts to comply with the banks requirements, but Truist has not provided a viable way to submit certified funds or properly apply payments that have already been withdrawn

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 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/year> at approximately XXXX XXXX, I received a payment into my Cash App account. Around XXXX XXXX on XX/XX/year>, unauthorized activity occurred on my account. My account information was changed, including linked financial details being removed and replaced, and funds totaling approximately {$990.00} were transferred out to another account without my permission. At the time of these transactions, my device and personal accounts had been compromised by malware. This allowed an unknown third party to gain access to my Cash App account and perform these transactions without my knowledge or authorization. In addition to my Cash App, other personal information and accounts ( including email access ) were also affected, confirming this was a broader security compromise and not an action I initiated. I immediately contacted Cash App support and reported the transactions as unauthorized. I clearly explained that my account had been compromised due to malware and that these transactions were not made by me. Despite this, my claim and subsequent appeal were denied solely on the basis that the transactions originated from my device. I want to be clear : I did not authorize these transactions. The fact that the activity came from my device does not mean it was authorized, as my device had been compromised by malware at the time. This situation is a case of account takeover and unauthorized electronic fund transfers. Cash App has not provided a meaningful explanation of their investigation or addressed the evidence of account compromise. Instead, they have repeatedly denied my claim without properly considering that the transactions were performed by an unauthorized third party. I would also like to note that I previously submitted a complaint regarding this issue ( Complaint ID : XXXX ), which is currently marked as in progress and under investigation. However, on todays date, I received an email stating that my appeal was denied again for the same reason, claiming the transactions were authorized because they originated from my device. This is contradictory, as the matter is still listed as under review, yet a final denial has already been issued without properly addressing the account compromise. I am requesting that this matter be properly investigated as unauthorized electronic fund transfers resulting from account compromise. I am seeking reimbursement of the stolen funds and a full review of how this decision was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
So today I contacted a Realtor for a property thats was For rent.they had asked for a XXXX $ XXXX fee to make an appointment to see the apartment, which I did. Later they asked for a XXXX $ stamp fee which I also did. They were asking for more so contacted the supposed relator agency and I turns out it was a scammer. Someone was posing as the owner of the supposed property. The real owner told me this isnt the first time this has happened. I want my money back I had contacted the person they do not want to give it back unless we pay an extra XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I am filing this complaint against Money Network for incorrectly placing a hold on my active XXXX prepaid debit card, preventing me from accessing legitimately deposited unemployment benefits and my saved funds. This has caused significant financial hardship. Money Network has incorrectly placed a hold/restriction on the wrong card, XXXX XXXX : Active card that should NOT have been held or touched ( currently on hold ) : [ XXXX ]. This card is associated with my exhausted benefits claim and contains my savings plus legitimate XXXX deposits. Card that was supposed to be closed : was the last card issued in my name which was already closed. ( this was the most recent/previous card for a different claim ). Sequence of Events : On or around [ XX/XX/year> ], I contacted Money Network customer service because of issues with my account. The representative assisted me by removing certain necessary holds on my active card [ XXXX ]. During the same call, the representative was attempting to retrieve or address funds related to my original closed account [ a different card which was the last card created for me ]. While doing so, the representative concluded that my active card [ XXXX ] should now be placed on hold. She based this on information that XXXX had closed the last card. However, all of my cards are linked to different claims, and the initial card the representative was helping me with ( the active one ending in [ XXXX ] ) was not supposed to be closed. The representative incorrectly applied a hold to the wrong card. I have contacted XXXX ( my sponsor ) multiple times as directed by Money Network. XXXX representatives have repeatedly told me that the matter is with Money Network/the bank and that I must resolve it directly with them. I have called Money Network at XXXX on [ on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ] and explained the situation, but the hold on card [ XXXX ] remains in place. I have exhausted benefits on the correct card and I cant receive additional legitimate XXXX payments afterward, yet I can not access the funds due to this improper restriction. All deposits to card [ XXXX ] were legitimate XXXX unemployment benefit payments for my verified claim ( s ). The representatives decision during the assistance call created a mix-up between the separate cards for different claims, resulting in the wrong card being restricted. This hold has left me unable to access my own funds for basic living expenses, causing severe financial difficulties since XXXX. XXXX XXXX and running out of hope please help me with my available balance in my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
On XX/XX/XXXX, I filed a Federal Student Loan Discharge with MOHELA, hoping that the matter would be taken seriously, investigated thoroughly, and a fair decision rendered. Instead, my case was mismanaged, with privacy breaches, violations of laws, and regulatory standards. MOHELA sent another Student 's Loan Discharge Response to my address, including her Student Loan ID Number and Student Loan Balances ( Copy of Letter Attached ). Here are some of the Laws that MOHELA may be breaking : 1. Gramm-Leach-Bliley Act ( GLBA ) - Safeguards Rule As a financial institution and loan servicer, MOHELA must comply with the GLBA. What it does : Requires financial institutions to protect the security, confidentiality, and integrity of consumer information. The Violation : Sending sensitive financial data ( discharge status, account numbers, balances ) to the wrong person constitutes a failure to secure nonpublic personal information. 2. Privacy Act of 1974 Since MOHELA is acting as a contractor for the U.S. Department of Education, they are handling federal records. They agreed to : Protect individual privacy by limiting the disclosure of personal information maintained by federal agencies and their contractors. The Violation : Unauthorized disclosure of PII to an ineligible third party violates the strict privacy standards required for federal student loan records. XXXX. Fair Credit Reporting Act ( FCRA ) If the mismatched information causes inaccurate reporting on your credit file or the other student 's file, this violates the FCRA, which mandates accuracy in consumer reporting and prevents the improper " mixing '' of files. The Violation : Misreporting or improperly exposing data that leads to inaccurate account representation ( e.g., mixing files ) violates the duty to ensure accuracy. 4. Consumer Financial Protection Act ( CFPA ) - UDAAP The Consumer Financial Protection Bureau ( CFPB ) enforces laws against Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ). The UDAAP prohibits financial service providers from acting unfairly or abusively toward consumers. The Violation : Repeated Offenses ; Mismanaging loan records to the point of exposing private data is considered a failure in servicing, which has been cited in recent lawsuits and federal oversight reports against MOHELA. 5. State Privacy and Data Breach Notification Laws Most states have laws requiring businesses to protect consumer data and notify them in the event of a breach. The Violation : If the information was sent to an unauthorized person, it constitutes a data breach and requires notification, potentially violating state-level negligence laws. Additionally, MOHELA 'S reason ( s ) for both Denials are identical and are " cookie-cutter | copy/paste language.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: TN

Complaint narrative:
I'm a victim of identity theft. I have sent written requests to be removed. Lockhart, Morris, Montgo {$550.00}. They have received that certified letter. I have already filed with the FTC as well, and I have yet to hear from them, and my credit is still being affected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation