vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FMA Alliance, Ltd.
State: TX

Complaint narrative:
I am writing to dispute the response provided by FMA Alliance , Ltd. on XX/XX/year>. The company is misrepresenting the status of my debt validation request in order to prematurely close a previous complaint. Please note the following violations and discrepancies : Failure to Provide Validation : In their response, Vice President XXXX XXXX states that " Validation of Debt correspondence was received and sent '' on XX/XX/year>. As of today, XX/XX/year>, I have received absolutely nothing in the mail. Furthermore, FMA Alliance did not attach the required validation paperwork to this CFPB portal response for me to review. Premature Resumption of Collection Activity : Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must cease all collection efforts until the debt verification is provided to the consumer. FMA Alliance can not legally resume demanding payment or close this matter simply by claiming they dropped something in the mail. I have not been given the opportunity to verify the legitimacy of this debt or the accuracy of the amount. Chain of Title Missing : The company 's response states that the account was placed in their office on XX/XX/year>, and they had to request paperwork from the original creditor. They have provided no documentation proving they have the legal authority or contract to collect this specific debt from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo allowed someone to steal {$18000.00} from my father 's checking account, which I have power of attorney over, on the theory that they have never heard of identity theft or fraudulent Internet transactions. Wells Fargo is claiming that because the physical debit card was in our possession when these fraudulent transactions occurred, the transactions were actually legitimate. They have refused to pursue this matter with the charging bank and further refused to refund the stolen money. These thefts were reported to the Internet Crime Complaint Center at the advice of our local police department, XXXX XXXX Police Department, which does not pursue these matters due to the complex and interstate nature of these crimes. Wells Fargo took no action whatsoever to prevent these thefts from occurring even though previous instances of fraud were reported on the 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 explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: U.S. BANCORP
State: UT

Complaint narrative:
I am filing a formal complaint against [ US Bank ] for a severe violation of the Fair Credit Reporting Act ( FCRA ) and federal accurate reporting guidelines regarding hardship accommodations.My mortgage account was 100 % current and in good standing prior to entering into a mutually agreed-upon, 6-month financial hardship forbearance with the lender. Upon the conclusion of this 6-month period, the lender formally executed a Deferral Agreement, moving the paused balance entirely to the end of the loan term.Despite completing these approved steps perfectly, the lender has inaccurately reported the 6 months of the forbearance period to the credit bureaus as 'standard late payments/delinquencies. ' This administrative error caused an immediate 150-point drop in my credit score.When I contacted the bank directly to resolve this, a representative falsely claimed that the forbearance 'only protects against foreclosure, not late credit reporting. ' This violates standard credit reporting accuracy laws. Because the loan was current at ingestion and the balance was legally deferred, retroactive delinquency reporting is prohibited.I request that [ US Bank ] immediately update Metro 2 credit reporting strings to remove all past-due marks for this 6-month period and restore my history to 'Current/Paid as Agreed '. " *

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 2026-06-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
XXXX, I requested for the documentations of the investigation, but none were provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Portfolio Recovery Associates violated the FDCPA in multiple ways on two accounts. 1 ) ILLEGAL THREATS : I was told I would be sued and taken to court if I did not enroll in a payment plan. This threat coerced me into making payments I would not have otherwise made. 2 ) TIME BARRED DEBT : XXXX XXXX XXXX XXXX account ( original creditor ) had a first delinquency date of XX/XX/XXXX. Under Marylands 3-year statute of limitations this debt expired XX/XX/XXXX. Threatening legal action on time-barred debt violates FDCPA Section 807. 3 ) INFLATED BALANCE : Original XXXX debt was {$2000.00} but Portfolio Recovery is collecting {$3000.00} with no itemized explanation of the {$1000.00} difference. 4 ) UNVALIDATED DEBT : Despite demands Portfolio Recovery has not provided original signed contracts or chain of title documentation for either account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I am submitting this complaint regarding Wells Fargo 's handling of a levy placed on my savings account. The funds at issue consist entirely of Supplemental Security Income ( SSI ) benefits received from the Social Security Administration. These benefits were directly deposited into my Wells Fargo checking account and then transferred to my Wells Fargo savings account. The funds never left Wells Fargo and are traceable through Wells Fargo 's own account records. After the levy was placed on my savings account, I repeatedly informed Wells Fargo that the restrained funds consisted entirely of Social Security benefits. I provided documentation and screenshots showing the Social Security deposit, the transfer between my Wells Fargo accounts, and the funds held in the savings account. Despite being provided this information, Wells Fargo refused to conduct a meaningful review of the account history or assist me in determining the exempt status of the funds. I received inconsistent explanations from representatives, including statements that Wells Fargo does not perform tracing reviews, can not review funds after a levy has been served, or that the matter is solely a legal issue. As a result, I have been denied access to funds needed for basic living expenses, including insurance premiums, utilities, food, and other necessities. I am requesting that Wells Fargo conduct a full review of the account history, provide a written explanation of its actions, and review whether the restrained funds consist entirely of Social Security benefits that are traceable through Wells Fargo 's records. I have filed a Motion to Release Exempt Funds with the County Court, and I am providing supporting documentation showing the source and movement of the funds.

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 2026-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cash App closed my account due to violating terms of service on XXXX XXXX with no information of what terms I violated, no warning or issues of violation before hand and when submitted an appeal no explanation of why appeal was denied. The account was closed without proper warning or communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
They call me repeatedly do not say anything before 8 am and 9 pm, they never identify themselves. How am I supposed to do anything when they are just spam calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: EdFinancial Services
State: NJ

Complaint narrative:
They call me repeatedly do not say anything before 8 am and 9 pm, they never identify themselves. How am I supposed to do anything when they are just spam calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: TX

Complaint narrative:
I am filing this complaint regarding Chime 's handling of my dispute claim for a XXXX transaction in the amount of {$140.00}. I reported this transaction as unauthorized after discovering activity on my XXXX account that I did not recognize, including an unfamiliar email address associated with the account. I immediately took steps to secure my account and reported the charge to Chime. Chime denied my dispute and concluded that " no error occurred. '' However, Chime did not provide any specific evidence showing that I authorized this transaction. The denial letter contains only a general conclusion and does not explain what documentation, merchant records, account records, device information, or other evidence was relied upon to determine that the transaction was authorized. I contacted Chime to request additional information and to escalate the matter. During one of these escalation attempts, a supervisor disconnected the call without warning while I was attempting to discuss the denial and the supporting documentation I had provided. While there was a previous XXXX charge on my account in XXXX, that charge was understood to be an annual subscription. For that reason, I did not expect or authorize an additional XXXX charge of {$140.00} in XXXX. I have repeatedly requested clarification regarding the basis for this charge and the evidence supporting Chime 's determination, but I have not received a meaningful explanation. I am requesting that Chime provide a detailed explanation of its investigation, including the evidence relied upon in denying my claim, and that the dispute be reviewed again. I am also requesting a review of Chime 's handling of my complaint and escalation efforts. I believe I acted promptly upon discovering the transaction, cooperated fully with the investigation, and provided all requested information. I am seeking a fair review of the dispute and a complete explanation of the basis for the denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, Cash App restricted and ultimately closed both my personal and business accounts, citing fraudulent activity. I was not provided with specific details or evidence regarding the alleged activity. At the time of the account closure, approximately {$210.00} remained in my Cash App business account. Since then, I have been attempting to recover my funds and have contacted Cash App Support multiple times over the past two months. I was informed that I would need to withdraw the funds using a linked bank account or debit card. However, the bank account and debit card that were previously linked to my Cash App account are no longer available for withdrawal following the account restriction. When I raised this issue with support, I was told that my bank account and debit card were not supported, despite them previously being linked and functioning on the account before it was closed. Two days before filing this complaint, my case was escalated to a manager. After waiting approximately two days for a response, I received messages stating that the manager had reviewed my account. The response largely repeated information that had already been provided by previous support representatives and did not address my inability to access the remaining funds in my account. Approximately 10 minutes after sending those messages, the manager closed the support conversation, stating that they had not received any additional information from me. However, I had only been given a very short period to respond after waiting two days for a reply. I responded within the same hour, but the conversation had already been closed. I am not requesting that Cash App reinstate my account. I am only requesting access to the {$210.00} that remains in my account and a reasonable method to withdraw or receive those funds. Despite repeated attempts to work with Cash App Support, I have not been provided with a solution that allows me to access my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: SC

Complaint narrative:
PORTFOLIO RECOVERY A is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOVERY A is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Patient Accounting Service Center
State: MT

Complaint narrative:
I have received repeated calls from XXXX XXXX at Arstrat. It appears to be a debt collection agency but I have no outstanding debt other than student loans which I am paying on. I filed for bankruptcy in XXXX so anything prior to that is discharged. I have sent multiple requests for these calls to stop by they still continue to call. Please help resolve this irritating situation. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
In XX/XX/year>, I disputed an alleged XXXX XXXX XXXX account by certified mail and provided notice of my legal name change and updated identifying information. The correspondence was delivered, and I requested verification of the alleged debt and supporting documentation. I did not receive sufficient documentation establishing the validity, ownership, or amount of the alleged debt. The account was later reported and/or collected by LVNV Funding LLC , which is not the original creditor. I am concerned that inaccurate information is being reported regarding this account. The balance being reported appears inconsistent with my understanding of the original account, and I have not been provided documentation showing how the amount was calculated. I am requesting verification of the alleged debt, documentation supporting the reported balance, correction of any inaccurate identifying information, and investigation of any inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: GA

Complaint narrative:
Remitly Took XXXX of my money out my bank account I called them and they said they cant give me my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: GA

Complaint narrative:
PORTFOLIO RECOVERY Ais falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOVERY Ais 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
Consumer complaint received 2026-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ADP Inc.
State: ID

Complaint narrative:
Summary of Issue : A financial record-keeper ( ADP ) has cashed a {$76000.00} retirement rollover check meant for my active retirement account, but because I do not hold an active account with them, they are holding the funds hostage in an internal clearing account and refusing to distribute them to my actual custodian. Timeline of Events : I originally requested a 401 ( k ) rollover from my previous provider, XXXX XXXX. The first check was lost by the postal carrier. I requested a reissue from XXXX XXXX and mistakenly followed old instructions to mail the check to ADP. XXXX XXXX issued the check, and I mailed it to ADP. ADP received and cashed the check. However, it was then discovered that my current employer 's active plan is actually with XXXX, not ADP. I do not have an active account with ADP. When I contacted XXXX XXXX to void the check, they stated they could not because ADP had already cashed it. After a long impasse, an ADP agent stated they would return the funds to XXXX XXXX. XXXX XXXX initially agreed, but later formally rejected the funds and blocked the transfer because my original account with them is permanently closed. ADP currently holds my {$76000.00}. Their phone agents now refuse to execute a standard correction to reissue the check to my actual active custodian ( XXXX ). Phone agents continuously drop my calls or hang up when I request a supervisor override. A formal written demand outlining the ADP Case Number ( XXXX ) and original Check Number ( XXXX ) was emailed to ADP Retirement Services Management on XX/XX/2026. Aside from an automated confirmation, the company has completely ignored it. Financial Impact : My {$76000.00} retirement savings have been frozen in a non-interest-bearing corporate holding tank for months. I am suffering massive market loss damages and facing severe IRS complications due entirely to ADP cashing a check for an account that doesn't exist and refusing to release the assets to my valid custodian. I require immediate intervention to force an ADP supervisor to override the system and reissue the {$76000.00} direct rollover check to my active custodian.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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 explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: WI

Complaint narrative:
InComm Financial Services ( VanillaDirect Pay ) I am a victim of a live scam, I have a XXXX XXXX, WI police log number XXXX, and VanillaDirect 's support line is completely unresponsive while a criminal is actively emptying your funds. I am requesting the {$1500.00} dollars of cash that was put on these cards to be frozen and returned to me before it is spent. I have waited on hold for 40+ mins and then they stated they would transfer me to fraud dept. When transferred I was sent to customer service for prepaid debit cards. I have no direct number to call back. I think they want you to be frustrated and give up.

Company response to consumer: Closed with explanation