vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I am requesting CFPB regulatory review of this matter after the Office of the Comptroller of the Currency returned my complaint without providing an independent supervisory determination. The OCC relied primarily on the banks assertions and did not make a clear regulatory finding under Regulation E ( 12 CFR 1005.11 ) regarding whether a reasonable investigation was conducted or whether overdraft fees resulting directly from unresolved fraudulent transactions were compliant. I have formally requested supervisory and Ombudsman review at the OCC and am submitting this complaint to the CFPB to ensure that federal consumer protection obligations are substantively evaluated rather than procedurally closed. I respectfully request CFPB review for regulatory compliance, not customer service resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-09 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: IL

Complaint narrative:
I am filing a formal complaint against Vanilla Gift Card Customer Services, InComm XXXX XXXX and the issuing bank The XXXX XXXX  for mishandling a fraud case and providing extremely poor customer service. 

This card was first attempted on XX/XX/XXXX at XXXX Retail Store but it did not work and later tried in XXXX too, but in both case it failed. Upon checking the Transaction History, I found multiple unauthorized transactions, all showing either " processing '' or " pending '' and never completed, yet the card balance became unusable. ( Attaching the statement FYR ). 

I reported this issue on XX/XX/year>, and a fraud investigation case under Case ID : XXXX was opened. Over the next XXXX months, I fully cooperated, provided my Government Issued ID and submitted all requested documentation multiple times while regularly following up. 

Despite this, Vanilla wrongfully close the case, falsely claiming that required details were not provided. This statement is incorrect ( Attaching the email thread too ), as all the information was submitted and acknowledged. After wasting over XXXX  days, I was then told to open a new ticket and asked to wait for another XXXX  months, which is completely unacceptable. 

This reflects serious procedural failures, misrepresentation and lack of accountability in fraud handling. As a result, I lost {$100.00} and spent month pursuing resolution due solely to Vanilla 's internal failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
I dispute this account because it does not belong to me and I have never had any business relationship with this creditor or the alleged original creditor. I request that the company provide full written validation demonstrating that I am legally responsible for this debt. If the company can not provide proper verification, I request immediate deletion of this account from all credit reporting agencies and confirmation in writing that the account has been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 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: Block, Inc.
State: FL

Complaint narrative:
I filed a dispute because someone stole my phone and other personal belongings and some fraudulent transactions was made so when they resolved my dispute my account was closed and my number and email was unlinked I was not able to login and I cant get my funds off the account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
Resurgent Receivables LLC is reporting as a collection debt in the amount of {$1200.00} on my consumer credit reports and i am disputing and demanding the immediate removal of the account they are reporting as the original creditor. this account is fraudulent and inaccurately reported and your continued reporting constitutes violations of the Fair credit reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. SPECIFICALLY : ( 1. ) they are not the original creditor, reporting this account as though they are is false, misleading, and is a direct violation of U.S.C. 1692e and 1681s-2 ( a ). ( 2. ) the account has been illegally re-aged. the debt they are reporting is older than what is reporting on my credit profile. they have re-aged the account reflect a date corresponding to when they allegedly purchased the debt as a third party. this practice is prohibited under the FCRA. the date of the first delinquency may not be altered, reset, or re-aged for any reason. ( 3. ) they lack permissible purpose to report this account. i have no contractual relationship with this company, and they have failed to provide any competent evidence that this debt is valid and have the authority to report it. I demand immediate cessation of all collection activity, immediate deletion of this account from all of the consumer credit reporting agencies, and written confirmation that the account has been permanently removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
A duplicate payment in the amount of {$10000.00} was made in error on XXXX To Bank of America on an RV loan. They are unable to refund to me until the XXXX week of XX/XX/year>. This is an unreasonable length of time to refund and is causing considerable hardship for me. I have spoken with XXXX customer service representatives and was told there is not way to expedite and the refund must be in the form of a check instead of transfer back to my bank - XXXX  XXXX. XXXX XXXX stated they were submitting a claim for return of the funds but have received no response. Why would Bank of America not be required to refund the overpayment electronically. Can someone please assist with this issue?

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 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: IQOR US INC
State: MS

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to formally dispute a collection account reported by Allied Interstate LLC on my credit report and to request full proof of ownership and validation of the alleged debt, as required under the Fair Debt Collection I dispute this account in its entirety. Allied Interstate LLC has failed to provide adequate documentation proving that they have the legal right to collect this debt. To date, I have not received : 1. Proof that Allied Interstate LLC owns this debt or has been assigned the right to collect it 2. A copy of the original contract or agreement bearing my signature 3. Documentation showing the chain of title from the original creditor ( XXXX XXXX XXXX ) to Allied Interstate LLC Until proper validation is provided, this account should not be reported as valid or collectible. Reporting unverified or inaccurate information violates federal law, including the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

I am requesting that the CFPB require Allied Interstate LLC to either : Provide full and proper validation of this debt, including proof of ownership, or Remove this collection account from my credit report if such documentation can not be produced Please investigate this matter and ensure compliance with all applicable consumer protection laws. Please suspend all collection. 

Thank you for your assistance. 
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 2026-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capio Partners, LLC
State: OH

Complaint narrative:
My credit reports list a collection account from XXXX XXXX in the amount of {$530.00}, which I dispute in its entirety. 

To date, I have not been provided : Proof that this debt is legally owed by me Proof that XXXX XXXX has the legal authority to collect Documentation validating the accuracy of the amount reported Under FCRA 611 ( a ) and FDCPA 809, a collection account must be fully verified and accurately reported. Continued reporting of this account without proper validation is inaccurate and harmful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Due to a financial hardship, they would not make arrangement with me to pay down the debt but show this account as written off on my credit report. I have not received a 1099-C

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 2026-02-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I made all required monthly payments on my XXXX account and was never delinquent. I misunderstood the promotional payoff deadline and attempted to pay in XXXX, shortly after the promotion expired. Despite making payments in good faith and not missing any payments, deferred interest was retroactively added to my account. I contacted customer service multiple times requesting a one-time courtesy reversal of the deferred interest, but was denied. I am requesting a goodwill adjustment due to good-faith payment history and non-delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: NY

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
Consumer complaint received 2026-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute inaccurate and inconsistent information being reported on my credit file regarding the account listed as XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. The account in question contains multiple material inaccuracies and contradictions.The same account is reported as different account types across credit bureaus, including XXXX XXXX XXXX Credit Card, and Auto Loan, which is factually impossible. 
The date the account was opened is inconsistent ( XX/XX/year> vs. XX/XX/year> ). 
The account simultaneously reflects characteristics of both a credit card and an auto loan, including a 72-month loan term and a {$0.00} credit limit while carrying a balance.

The reported balances are contradictory, showing high balances exceeding {$19000.00} while also reflecting a current balance of {$440.00}. Payment history data is missing or incomplete, yet the account is marked as current. 
The creditor name XXXX is incomplete and does not clearly identify the legal furnisher of 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 2026-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute inaccurate and inconsistent information being reported on my credit file regarding the account listed as XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. The account in question contains multiple material inaccuracies and contradictions.The same account is reported as different account types across credit bureaus, including XXXX XXXX XXXX Credit Card, and Auto Loan, which is factually impossible. 
The date the account was opened is inconsistent ( XX/XX/year> vs. XX/XX/year> ). 
The account simultaneously reflects characteristics of both a credit card and an auto loan, including a 72-month loan term and a {$0.00} credit limit while carrying a balance.

The reported balances are contradictory, showing high balances exceeding {$19000.00} while also reflecting a current balance of {$440.00}. Payment history data is missing or incomplete, yet the account is marked as current. 
The creditor name XXXX is incomplete and does not clearly identify the legal furnisher of 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 2026-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
We have an FHA mortgage with Lakeview subserviced by Mr. Cooper. 
We purchased our home on XX/XX/XXXX. We put down 13.15 % ( see attached HUD statement ) When we reached the required 11 years in XXXX of XXXX, I attempted to contact the Mr Cooper Escrow Servicing department for removal of the mortgage insurance premium, they ignored my many requests and continued charging us MIP for seven months.

When I told them I would file a complaint with cfpb, they finally removed the MIP however, they are holding onto our money and they said we had and escrow shortage of {$670.00}. I kept asking when they would send our money but they are not responding. I ended up paying the {$670.00} on XX/XX/XXXX yet they still refuse to send our overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: AR

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 rem

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On or about XX/XX/year>, I was the victim of a fraud and scam involving mobile/digital wallet transactions. I was deceived into moving funds through payment services under false pretenses, believing the transactions were part of a legitimate purchase. No goods or services were ever provided. 
The incident involved multiple transactions, including a {$990.00} debit card transaction processed via XXXX XXXX through XXXX, which appeared on my statement as XXXX XXXX. This charge was part of the fraudulent scheme, and no goods or services were delivered. 
Additional funds totaling approximately {$4000.00} were transferred and subsequently routed through cryptocurrency and peer-to-peer payment services as part of the same scam. These transfers were made only because of misrepresentation and deception. 
I promptly contacted the company to report the fraud and filed disputes for the affected transactions. The disputes were denied, and I was informed that there was no appeal or reconsideration process available. I requested an explanation of the investigation and information about appeal options, but meaningful information was not provided. 
I also filed a federal fraud report with the XXXX XXXX XXXX Complaint Center ( XXXX ) on XX/XX/year>, to formally document the incident. 
I am submitting this complaint because the fraud dispute was denied without a clear explanation, documentation, or an opportunity for appeal. I am requesting that the company conduct a proper review of the fraudulent transactions, particularly the {$990.00} XXXX XXXX debit charge, and provide appropriate relief consistent with consumer protection requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am submitting a complaint about credit reporting by SYNCB/Care Credit. The account in question ( XXXX ) is being reported incorrectly on my credit report. On XX/XX/year> I noticed that the account shows an incorrect balance. This information is inaccurate because I have no knowledge of this account. I previously disputed this issue directly with SYNCB/Care Credit on XX/XX/year>, but the response did not resolve the error, and no supporting documentation was provided. The inaccurate reporting is negatively impacting my credit and does not reflect my true payment history. I am requesting that SYNCB/Care Credit conduct a proper investigation and remove the inaccurate information from my credit report. Thank you.

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 2026-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Nationwide Credit Corporation
State: VA

Complaint narrative:
I am receiving debt collection communications from Nationwide Credit Corp. regarding an alleged medical debt associated with XXXX XXXX XXXX, XXXX. 
I have disputed this alleged debt multiple times in writing and requested that all collection activity cease until proper validation is provided, as permitted under the Fair Debt Collection Practices Act ( FDCPA ).

Written disputes and requests for validation and cessation of collection activity were sent on XX/XX/XXXX and XX/XX/XXXX by mail, and again by email on XX/XX/XXXX and XX/XX/XXXX. Each correspondence requested validation of the alleged debt and instructed the company to stop all collection activity until the required documentation was provided.

Nationwide Credit Corp. has not provided proper validation of the alleged debt. Despite this, the company has continued collection attempts, including contacting me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX at approximately XXXX PM, and contacting a third party regarding this matter on XX/XX/XXXX and XX/XX/XXXX. 
I am requesting that Nationwide Credit Corp. permanently close this account, cease all collection activity, and confirm in writing that no further attempts to collect will occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX was sent {$530.00} for medical sensors I purchased from her. The payment was put on a 21 day hold so she asked for me to cancel the payment and pay her using another method. I paid her {$530.00} using XXXX and received the sensors. When I went to cancel this on-hold Venmo payment I was told I could not cancel while it was on hold. I called Venmo and asked to open a dispute. They opened it but then suggested to me that I should just wait for the 21 days to pass and then ask the seller to send me the {$530.00} back without a dispute. I did this and the seller claims they never received the Venmo held funds. Venmo claims the funds were released on XX/XX/XXXX as scheduled. I called Venmo to open a dispute on the transaction and was told since I opened one previously there was nothing else they could do. I was not told on the phone that if I closed the dispute I could not reopen it again if necessary. I have lost so much time and {$530.00} because of the poor customer service I received.

Company response to consumer: Closed with monetary relief