vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Netspend Corporation
State: UT

Complaint narrative:
My Netspend account is blocked and I can not log in or reach support by phone. 
However, I am still receiving SMS balance alerts showing a balance of {$56.00} and monthly fees being charged. 

I am requesting immediate manual assistance to access or transfer my remaining funds and to stop further monthly fees.

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 2026-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX ( file # XXXX ) regarding an alleged debt of {$850.00}. I am formally disputing this debt in its entirety for the following reasons : 1. Creditor Negligence and Damages : The balance they are attempting to collect resulted from the creditor 's failure to report my insurance payments correctly. This administrative error led to the legal suspension of a driver 's license for a member of my policy, causing significant personal and legal damages. 
XXXX. Violation of Cease and Desist : I have previously issued a formal Cease and Desist notice to the collection agency that formerly handled this account. Transferring my information to a new firm XXXX XXXX XXXX XXXX ) to bypass my legal demand for silence is a violation of my rights under the FDCPA. 
XXXX. Unfair Practices : On XX/XX/year>, I received an email from XXXX XXXX offering a 50 % discount to settle this disputed balance. This demonstrates an attempt to collect on a debt that stems from their own client 's negligence. 
I demand that XXXX XXXX XXXX permanently close this file, cease all communication with me, and provide written confirmation that this matter has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: CA

Complaint narrative:
On XX/XX/year>, I attempted a transaction for {$50.00} at XXXX XXXX XXXX XXXX, store number XXXX, XXXX XXXX, California. With my XXXX XXXX XXXX issued by XXXX, XXXX. The transaction was declined at checkout. 

The merchant has confirmed that the transaction was not captured or settled and that no funds were received. 

Despite the transaction being declined, XXXX shows the amount as posted and has withheld the funds for over XXXX days. 

I have contacted XXXX customer service multiple times. Representatives have refused to release the funds, refused escalation to settlement or prepaid card operations, and refused to provide a case number or reference for the complaint. On a recent call, I spoke with a representative who identified himself as XXXX, who refused to log or escalate the issue. 

XXXX has been unable or unwilling to identify where the funds were disbursed, despite the merchant confirming that no settlement occurred. A posted transaction can not exist without a receiving merchant. 

I am requesting that XXXX  correct this error and restore the withheld funds, or provide documentation showing valid settlement of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I asked navy federal to file a claim and they said they couldnt do to the money going to XXXX XXXX. I contacted XXXX XXXX and then they said they couldnt help me. I keep getting the run around and no help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
My home loan was initiated with XXXX XXXX XXXX  in XXXX of XXXX. I was notified that my loan was acquired by XXXX ( XXXX Mortgage ) in XXXX of XXXX. 
Most recently Rocket Mortgage acquired XXXX XXXX. Previous to the acquisitions of my loan and name changes of the various mortgage holders, my User ID remained the same and I was able to access my loan information online quickly and easily. From the transition date to XXXX XXXX forward, in XXXX of XXXX, my User ID has changed XXXX different times, the most recent change occurring XX/XX/XXXX. I asked escalated customer service support if this User ID will be the final time this tedious process would need to happen? I was assured that this was the last time. Today, again, I was unable to login to my loan account due to the need to change my User ID, as Rocket Mortgage requires User ID 's to match the customer 's email address. When I took steps to comply with this requirement, I was notified that my email address was already linked to an account and that I'd need to provide a different email address to use as User ID. I have no other valid email address and the fact that my current address has been used previously is due to the carnage that taken place with all the resetting of User ID 's since XXXX of XXXX. I don't feel that I should have the burden of setting up another email address purely for the purpose of satisfying Rocket Mortgage 's policy issues. They broke it, I feel they should be responsible for fixing it. Afterall, what if I did create this email account purely to use as a User ID, the track record since XX/XX/XXXX is that these ID 's change every few months, where would go from there? It seems to be a dysfunctional process that's preventing me from accessing important financial information on my account, can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: FC HoldCo LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX PA XXXX SENT VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED Re : Request for Debt Validation account number - XXXX To Whom It May Concern : I am writing in response to your letter regarding an alleged debt referenced above. I do * * not * * acknowledge that I owe this debt and am exercising my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. 

Pursuant to federal law, I request that you * * validate and verify this debt * * by providing me, in writing, all information that substantiates your claim within thirty days, including but not limited to : 1. The name and address of the original creditor.

2. The original account number and any reference number you use.

3. An itemized statement showing how the amount claimed was calculated, including principal, interest, fees, and credits.

4. A copy of the original contract or agreement that you allege I signed or are otherwise bound to.

5. Complete chain-of-title documentation showing how this debt was transferred or assigned to your agency. 

Please * * cease all collection activity and communication * * with me until you have provided the requested verification of this debt. I also request that you * * do not report this alleged debt to any credit reporting agencies * * unless and until validation is complete. 

This letter is not an acknowledgement of liability for this alleged debt. 

Sincerely, 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 2026-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
On XX/XX/year>, I attempted to Access Payment Portal to set up a Scheduled 1st Mortgage Payment. I wasn't able to. The Site said its Payment System was down. On XXXX XXXX I called the XXXX Number ( XXXX ) ; and talked with a representative. She told me she was sending us a form to set up their bi-weekly/Flexible Pmts. We asked about how to set up our XXXX due Payment on our Refinanced ( Closed through XXXX XXXX on XXXX ) Mortgage. She indicated she could take a Payment that day!. Our Mortgage Papers don't show a Payment due till XXXX XXXX, 2026! I had to wait till today, XXXX XX/XX/year> to contact them again, same Number. We ( my wife, XXXX ; Co-Borrower ) spoke to XXXX. She confirmed that the form had actually been sent to us by Regular U S Mail ; and asked is we would be making our XX/XX/XXXX Payment at this time! The money isn't available till my VA Monies come on the XXXX! Furthermore, I was able to finally Go online and their Payment Portal was working. However, even there I was Restricted to latest Scheduling date of XX/XX/XXXX for our Payment Not due till XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CITIBANK, N.A.

Complaint narrative:
I've tryed to contact Citi bank in relation to my accounts and can't get any details back ive tryed for the last 15 months there on Also denied access to the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Also denied assess to the production company 's them self. 
If you can assist me my XXXX  XXXX ( XXXX  SOCIAL SERVICE NUMBER )

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 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: OH

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: IL

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 non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
Affirm has continuously debited my checking account for payments not yet due to the extent that I have no funds available in my checking account. The bank has finally blocked all of their transactions after I made XXXX different Dispute Reports. One transaction amount was billed 9 times of the XXXX total charges on XX/XX/year>. I called Affirm filed a Case Report and no refunds, and the charges still continued to be billed. XXXX separate calls were made by me to Affirm. The customer service agents are not competent in understanding or addressing my concerns. One agent told me to contact my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: MN

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 non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I got my statement via email but couldnt open it. Did not have card with me. Called and tried to talk to them. They were not helpful at all. They wouldnt give my acct number so I could give to yu. II told them I was turning them in.

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 2026-01-08 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
In XX/XX/year>, solar panels were installed on my house. I was promised that my electricity bill would always be in my favor, but to this day, I have always had to pay for electricity. 

They also offered me a pergola and an all-expenses-paid trip as a gift for signing up with XXXX. We were only supposed to pay the taxes on the trip, but neither of these things was ever provided. 

Therefore, I am requesting that the contract be canceled, that the lien placed on my house under the contract be removed, that the solar panels be uninstalled, and that any damage to the roof be repaired.

The company that provided the loan is Goodleap.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: OR

Complaint narrative:
This complaint is also my official request for debt validation to Credence Resource Management. My attached letter clearly specifies the documents that must be provided under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a detailed accounting of the balance. 
By using the CFPB complaint system, I am making sure my request is documented, forwarded, and acted upon properly. Consumers have the right to full transparency, and I expect Credence Resource Management to provide complete validation. 
To further protect my rights under the FCRA, I am also requesting information to verify the accuracy and completeness of the account they reported to the Credit Bureaus : the Date of First Delinquency, the date the account was charged off ; and the date the account was acquired by or assigned to Credence Resource Management.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST PORTFOLIO SERVICING INC
State: NV

Complaint narrative:
I have been disputing this account with this creditor for over XXXX  years now. Over a XXXX  month period between XX/XX/XXXX and XX/XX/XXXX I asked for proof of the transactions from this computer XXXX  TIMES! They turned me into collections and I disputed this with their collector, XXXX, and the account was deleted from my file. The creditor has now rereported the account onto my credit report with XXXX  which is in violation of the FCRA. I am demanding this negative reporting be REMOVED from all three bureaus entirely as it was done already and should not have been resubmitted as a " charge off ''.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I entered into a title loan with a payday loan store in connection with Wilshire Consumer Credit on/or about XX/XX/XXXX. The loan was charged off on/or about XX/XX/XXXX and sold to Westlake Financial on/or about XX/XX/XXXX. Although the loan was charged off and sold Wilshire Consumer Credit continues to report on my XXXX, XXXX  and XXXX  credit report as of today. I have requested a XXXX Tax form for the charged off debt from Wilshire Consumer Credit since XXXX and as of today have not received a copy of the XXXX Tax form the last request was XX/XX/XXXX. On XX/XX/XXXX at approximately XXXX Westlake Financial repossessed the vehicle from my driveway in though Wilshire Consumer Credit claims to own the debt. The balances, original creditor, payment status all show different across my XXXX, XXXX  and XXXX  credit report. I thought under FDCPA 15 USC 1692, its illegal for this type of collection activities

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SOFI TECHNOLOGIES, INC.
State: KS

Complaint narrative:
XXXX and sofi was in charge of my loans. Recently XXXX transferred my loan to sofi back in XXXX. Before the switch I was only paying the XXXX loan and after the switch sofi started the second loan without notification. Sofi reached out to my co signer about the late payment. Sofi didn't reach out to me first or at all about this. So when my co signer told me about it. I called sofi and explained to them that I had no idea that the other loan even started cause they never notified me about. Sofi made a ticket to find answers why it was activated. XXXX weeks go by and I called because I haven't heard anything from them. They said it wasn't reviewed and they'll expedite the ticket. XXXX weeks go by and I never heard a answer. They told me they reviewed it and saw that XXXX sent it to them with it being activated and if I wanted more answers I would have to call them. I asked when did they find out the information. They said XX/XX/XXXX. When I made the call it was XXXX the XXXX. A whole week without them telling me any information. If I hadn't made plans switching to a different loan provider I would of been screwed because they would of sent a credit hit and still make me pay for the late fee. This isn't the only time sofi tried to pull a fast one on me they do this type of stuff all the time where they say they'll do it but, never do it and they refuse to give a email with a statement about their promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My vehicle was illegally repossessed by my lienholder, Regional Acceptance ( subsidiary of Truist Bank ). The tow truck driver broke into the gated garage of my high rise condo and was captured on videotape by my building security. Regional Acceptance only provided amounts owed verbally over the phone the same day as the repossession and still have additional unexplained charges on my account. I have requested detailed statements explaining these charges multiple times and Regional Acceptance has failed and refused to provide these to me. Additionally, Regional Acceptance has withdrawn my payments and have not credited the payments to my balance for several days, although they are in possession of the monies and interest accrues on a daily basis. I have requested detailed statements regarding the principal and interest balances several times and Regional Acceptance has refused to provide me with same or respond to me in writing.

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 2026-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: Experian Information Solutions Inc.
State: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation