vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
I did a bitcoin purchase from cash app and was blocked and nothing transpired on XXXX only my funds were blocked by XXXX XXXX XXXX XXXX XXXX XXXX XXXX number : XXXX For {$1900.00} and Ref Number : XXXX for {$48.00} Did investigation with them and blocked funds were released back to cash app because cash app semi closed my account can't receive funds back and cash app is not allowing my funds to be deposited back to my account due to my unknown mistake I wasn't aware of. XXXX released my funds but need to get my funds back and have documentation from XXXX. I really been trying to get my honest funds back from cash app account or from XXXX which ever I can get it back. Cash app is not responding from there support they escalated to there support case XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Skopos Financial, LLC
State: VA

Complaint narrative:
Tried to contact company about 1095 and original signed documentation to no avail

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 2026-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONTRACT CALLERS INC
State: TX

Complaint narrative:
This account was deleted from XXXX XXXX XXXX  but continues to be reported to other credit bureaus. I requested proof and removal, but the company did not respond. This inaccurate reporting is harming my credit. I request permanent removal from all remaining credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Credit Acceptance, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Illinois XXXX Phone : XXXX Date : XX/XX/year> To Whom It May Concern, I am writing to formally dispute the accuracy, legality, and reporting of certain accounts currently appearing on my consumer credit report. This dispute is made pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 
The accounts in dispute are as follows : AMERICAN CREDIT ACCE XXXX XXXX I state unequivocally that I never provided written, verbal, or implied consent to AMERICAN CREDIT ACCE or XXXX XXXX to obtain, access, review, or furnish my consumer credit information to any consumer reporting agency. 
Under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report for permissible purposes explicitly authorized by the consumer or otherwise permitted by law. In the absence of such authorization, the furnishing and reporting of my credit information is unauthorized, inaccurate, and unlawful. 
Additionally, 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information reported. Reporting accounts without lawful authorization violates this requirement. 
Pursuant to 15 U.S.C. 1681i, I am requesting that you : Conduct a lawful and thorough investigation of these accounts Provide documented proof of my alleged consent, including any signed agreements or authorization documents Delete these accounts immediately if such proof can not be produced If you fail to verify these accounts with competent evidence, continued reporting will constitute willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o. 
Please complete your investigation within the 30-day time frame required by federal law and provide written confirmation of the results. 
This letter is sent without prejudice and with full reservation of all my rights. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I was no aware of the amount of debt, & the trying to dispute. I am not currently working & I am a single mother trying to take care of my child.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I am requesting immediate and permanent deletion of this XXXX XXXX XXXX tradeline from all consumer reporting agencies.

Because the alleged debt has not been properly validated, contains material inaccuracies, and continues to be reported despite dispute, correction is not sufficient. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681s-2 ), furnishers must ensure information is accurate, verifiable, and not misleading. When information can not be verified or corrected, it must be deleted.

Continued reporting of this account is causing significant and ongoing consumer harm, including denial of essential credit such as reliable transportation. The only fair, lawful, and complete resolution is full deletion of this collection account and written confirmation that no further reporting will occur.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.

Complaint narrative:
Dear CFPB, Greetings! My name is XXXX XXXX, and I am writing to request assistance with the updates of my profile at Citi Bank. 
I used my Citi Bank checking & saving accounts during my study in the XXXX from XXXX to XXXX. When I graduated from the XXXX XXXX XXXXXXXX and XXXX to XXXX in XXXX, I deactivated the phone number registered on my accounts, and the registered address was no longer in use, but I still keep my accounts and have money saved in them. However, I have not used them for quite a long period of time and my accounts have been detected as inactive status now. I called the representatives of Citi bank, they suggested me to write a letter to the CITI Bank Service Center, with details of my name, date of birth, account number, routing number, SSN, address and phone number related to my accounts, and my current address and phone number, ect. They promised that they will re-activate my accounts and update my profiles of last contact. I did all the things they requested, and they did re-activate my accounts. However, they were unable to update my address and phone number. I contacted with the representitives again, they said that they can not help me with it. Instead, I must use my previous U.S. phone number to receive a verification code and make the changes myself. This is impossible for me, as my old U.S. number has long been deactivated, leaving me unable to receive the verification code, update my personal information, or continue using my account. Requiring a U.S.-based phone number is inherently unfair and unreasonable. Therefore, I request your assistance in urging Citibank to update both the phone number and address on my accounts to my current XXXX contact details. I believe they have the capability to do so. I have already provided all the necessary information in the letter mailed to the CITI Bank Service Center, to verify my identity as the accounts holder. 
Please let me know if you have any progress. Thank you very much and have a good day. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I have a checking account with Chime Bank. Someone texted me using Chime Banks logo and name. The person was able to get access to my account and stole my funds. I disputed all transactions that I didnt make and sent Chime the text messages and phone number of the hacker. Even with all the overwhelming evidence that I sent to Chime to show that I did not make these transactions, Chime Bank still refuses to give me back my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I received a text XXXX asking if I made a purchase then I received a phone call. Both were identified as Frost Bank. I did not provide any personal information, codes, click on links or answer security questions. I was placed on hold several times for a very long time. I quickly grew suspicious and logged on to my bank account. I was looking for a way to freeze my account. There was none. I requested the caller verify his identity and location ( " XXXX from XXXX XXXX, Frost security and fraud dept '' ). I texted XXXX friends of mine to call the number " XXXX '' called from and verify the identity. Meanwhile on my account I found my alerts turned off. I turned them back on. Not sure if it stayed that way. I was sent a link and then asked to provide the code. I refused. XXXX tried convincing me I needed to. I yelled at him and hung up. I called Frost bank and reported it. I was then told {$4000.00} was attempted to be transferred by XXXX and that the money would remain in my account. I went to my bank personally the next day. My account was closed and a new one opened. I changed passwords, ensured antiviral protection was up to date ( it was ) and working. I took my XXXX computer to computer store who said there were no viruses. I later received a letter from Frost bank stating they were not in error for xyz reasons. Those reasons were absolutely NOT TRUE!! I don't even think there was an investigation.I have been communicating with Frost to have them provide me the documents they relied on to make this conclusion and have not received it. I was told by a local banker at Frost after he had a conversation with someone in XXXX XXXX that the investigation showed my computer pinged and therefore I made the transaction knowingly and willingly. I was also told the IP addresses did NOT match. I question the validity and completeness of this " investigation ''. I was then told that I should provide the burden of proof, not Frost bank. I thought this was what a thorough and honest investigation was for. I was hacked and not scammed. I question whether Frost bank followed the correct procedures and regulations in relation to 12 CFR Section 1005.11 letter ( XXXX XXXX  ) Procedures for resolving errors. XXXX states the institution shall provide copies of documents used to make the determination. XXXX the institution shall notifiy the consumer of the date and amount of XXXX being debited. This did not occur. I did not truly know the money had been removed from my account until I received a paper statement in the many weeks later. I am asking that a complete and honest investigation occur and that I be provided the documents/information used to do so. I am also asking that I be questioned about the hacking so my information can be submitted for the investigation also.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I am locked out of my Discover account due to a third-party identity verification vendor repeatedly failing with Invalid Image Failed to validate image. Discover has refused to provide manual or alternate identity verification, leaving me without account access. Attempts were made on XX/XX/year> and XX/XX/year>. Calls to customer support did not provide a solution. I was told there is no such thing as manual identity verification. I was denied escalation to a supervisor, denied procedural escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Facts : Experian is reporting inaccurate personal and account data on my file. 
PERSONAL IDENTIFIERS : Experian continues to display former/incorrect addresses and employer that are not my current identifiers : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX employer listed as DEPARTMENT OF VETERANS AFFAIRS. 
LATE TRADELINES : XXXX XXXX XXXX  ( Acct XXXX ) : Experian shows late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that I dispute. 
XXXXXXXX XXXX XXXX ( Acct XXXX ) : Experian shows a XX/XX/XXXX late that I dispute. 
XXXX XXXX ( Acct XXXX ) : Experian shows lates in XX/XX/XXXX and XX/XX/XXXX that I did not havedelete if unverifiable. 
XXXX XXXX XXXX ( Acct XXXX ) : Experian shows an XX/XX/XXXX late that I dispute. 
COLLECTION : XXXX XXXX XXXX ( Acct XXXX ; balance {$6000.00} ; opened XX/XX/XXXX ) : Experian is coding this as a new collection each month ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). This appears to be re-aging and/or improper XXXX XXXX coding. ( Some Experian displays also show XX/XX/XXXX, XXXXplease reconcile ; I have screenshots. ) Laws Violated : FCRA 611 ( a ) ( 15 U.S.C. 1681i ) : duty to conduct a reasonable reinvestigation of disputed information and provide results.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : duty to follow reasonable procedures to assure maximum possible accuracy ( applies to personal identifiers and tradelines ).

FCRA 623 ( a ) ( 5 ) ( 15 U.S.C. 1681s-2 ( a ) ( 5 ) ) : furnisher must report the Date of First Delinquency ( DOFD ) accuratelyno re-aging.

FCRA 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ) : after Experians notice, furnisher must reasonably investigate and correct/update across CRAs. 

Harm : These errors depress my creditworthiness, impair access to credit and favorable terms, and cause emotional distress and time/losses spent correcting Experians mistakes.

Requested CFPB Relief ( Experian ) : Remove the inaccurate personal identifiers listed above.

For each disputed tradeline/collection, obtain and provide the DOFD and all data fields relied upon ; correct any re-aged or miscoded fields ; if unverifiable, delete the tradeline.

Provide a detailed Method of Verification response identifying the data sources and procedures used. 

Provide my updated file disclosure and written results within 30 days. 

Attachments I will provide : government ID ; recent utility bill ; screenshots of Experian entries ; prior dispute submissions/results ( if any ).

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 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I am submitting this complaint regarding a debt being reported and collected by this company that is inaccurate and has not been properly validated. 
I previously disputed this account and requested verification. To date, this company has failed to provide competent evidence that I authorized this account, including a signed contract, original application, or other documentation bearing my authorization. 
Despite the lack of proper validation, this account continues to be reported to consumer reporting agencies, causing ongoing harm. Additionally, the account appears to have been sold or transferred multiple times, further calling into question the accuracy and ownership of the alleged debt. 
Continued collection and reporting of an unverified and inaccurate debt constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
I am requesting that this company either provide proper verification of this debt or cease collection and delete the account from all consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, I sent a {$2000.00} XXXX payment from my Chase checking account to XXXX. Although that number is not registered with XXXX because it is a land line, the payment went through. I contacted the bank and asked them where the money went and they said that they did not know. They told me they have no control of XXXX. When I called XXXX they told me the same thing, that the bank has the control not them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Hi, Although the escrow account was officially removed effective XX/XX/year>, a balance of {$7000.00} remains in the escrow account. Once escrow was terminated, these funds should have been immediately transferred and applied to my principal balance. 

Despite my numerous phone calls and speaking with multiple escrow supervisors, and despite their repeated assurances and promises that the issue would be resolved within a few days, no corrective action has been taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am submitting this complaint regarding a debt being reported and collected by this company that is inaccurate and has not been properly validated. 
I previously disputed this account and requested verification. To date, this company has failed to provide competent evidence that I authorized this account, including a signed contract, original application, or other documentation bearing my authorization. 
Despite the lack of proper validation, this account continues to be reported to consumer reporting agencies, causing ongoing harm. Additionally, the account appears to have been sold or transferred multiple times, further calling into question the accuracy and ownership of the alleged debt. 
Continued collection and reporting of an unverified and inaccurate debt constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
I am requesting that this company either provide proper verification of this debt or cease collection and delete the account from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I am submitting this complaint regarding a debt collector that is reporting and/or attempting to collect an alleged debt that has not been properly validated.

I dispute this debt in its entirety. I have requested validation of the alleged account pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, yet the debt collector has failed to provide sufficient documentation proving : That I am legally obligated for this debt The identity of the original creditor The original account number A complete breakdown of the amount allegedly owed Proof of the debt collectors legal authority to collect this debt ( including assignment or purchase documentation ) A copy of any signed agreement or contract bearing my signature The date of the alleged debt and the date of last payment Additionally, I have been impacted by a major data breach involving my personal identifying information. Due to this breach, there is an increased risk of identity theft and fraudulent accounts. This makes proper validation of any alleged debt especially critical.

Despite the lack of proper validation and the heightened risk associated with the data breach, the debt collector continues collection efforts and/or continues reporting this account to one or more credit reporting agencies. Reporting or verifying an unvalidated debt under these circumstances is misleading and constitutes an unfair collection practice.

Until proper validation is provided, the debt collector is required to cease all collection activity, including credit reporting. Failure to do so may constitute violations of the FDCPA and the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB require the debt collector to : Provide full and proper validation of the alleged debt, or Cease collection activity and request deletion of the account from all consumer reporting agencies I am requesting the C
FPBs assistance in ensuring compliance with federal consumer protection laws, particularly given the increased risk created by the data breach.

Company response to consumer: Closed with explanation