vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-21 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: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
Halsted Financial began contacting me only after my Apple Card account was deleted from all three credit bureaus due to XXXX XXXX Bank XXXX failure or refusal to verify the tradeline. After the bureaus deleted it, the account was suddenly transferred or sold to Halsted Financial, which appears retaliatory and designed to continue collection activity despite the prior deletions.

Halsted then began sending me repeated text messages threatening that my account would be reviewed for referral to a law firm in my state if I did not respond. These messages were sent before any mailed validation of the debt and continued even after I sent Halsted a certified dispute/validation letter. They have not responded to my letter, but they continue threatening legal escalation through XXXX. 

This conduct violates the FDCPA, including threats of legal action they have not validated, continued collection after a dispute, and deceptive implications that attorney involvement is imminent. The timing also raises concern that XXXX XXXX transferred the account only after being unable to verify it for the credit bureaus. 

I am requesting that the CFPB review XXXX threats, require proper validation, stop all XXXX  communication, and investigate the transfer of the account after its deletion from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/year>, XXXX fraudulent charges appeared on my credit card. Since I do not check the balance daily, I didn't notice. I received an email receipt from XXXX the same day but I thought it was a scam so I didn't open the attachment. At XXXX on XX/XX/year>, I received a cell phone call from XXXX XXXX XXXX XXXX in XXXX XXXX North Carolina ( XXXX ) informing me that their an unauthorized email had been sent from them to me with charges for services that they did not perform and that they had received no money for. She said that the card had been keyed in and that my name and phone number were on the receipt. That's how she was able to call me. She said that they must have been hacked as well. At this point, I realized that my identity had been stolen. I immediately called Wells Fargo to cancel my credit card and report the fraudulent charges. They were very helpful and cancelled my card and took the charges off of my card. I received a new card with a new number in the mail. On XX/XX/year>, I received a letter from Wells Fargo dated XX/XX/year> informing me that the charges were authorized and that my claim was denied. I live in XXXX XXXX, Colorado. I have not received any services from XXXX XXXX  and have not authorized payment to them ever. The credit card was not ever out of my sight.

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 2026-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
I never open this account as I mentioned before, it's not mine, and anyone can open accounts in anyone 's name, whether online or in person, they can still use your identity information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: CO

Complaint narrative:
I purchased a mattress from XXXX XXXX XXXX. I used affirm to finance the purchase. XXXX XXXX  sent me the wrong mattress. I emailed XXXX XXXX continuously and called, and they refused to refund me telling me I had to donate the mattress before they would refund. I filed a dispute with affirm and they came back in the merchants favor with no evidence that would dispute the evidence that I sent, showing the wrong mattress was sent. I am now stuck with a mattress I do not want and a bill for {$340.00} as affirm is refusing to investigate this dispute in the proper manner, with no explanation why they ended up siding with the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc
State: AL

Complaint narrative:
I did not agree to a secured card for this personal line of credit ; otherwise, I would have never applied for such. I would like this removed from my report due to false advertisement of product.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I received letters for credit cards that went into collection because on XXXX XX/XX/year> I was bit by the landlords dog and 12 days later I was XXXX  with a XXXX  XXXX and the XXXX  was XXXX weeks before I could go back to XXXX  and 2 more weeks till I got a paycheck so a total of 10 weeks with no money at all and this was during the Biden forgiveness time and the card companies had said it was fine until Biden released the forgiveness and all card starting canceling the cards but I still had no money but their excuse was to many open accounts and that was the reason which was a big XXXX  reason but with no money I had to submit and what little I was making it had to go for the other bills I was behind on so getting these statements I couldn't settle these until 4.5 years later I got a settlement so I can settle these accounts but their offer was 10 % and after 2 calls and a talk with a supervisor which he said " I can only do a max 30 % '', so I asked for the offer on paper and he said it won't have it on paper and I would have to pay now and the deal is null and void.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TriVerity, Inc.
State: SC

Complaint narrative:
This account i never open and also i never set foot in this branch to open this account im requesting to cease and desist communication and remove from me owing and anyone can open this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account XXXX  XXXX, XXXX, has violated my rights.

15 U.S.C. 1681i ( a ) Credit reporting agencies are required to conduct a reasonable reinvestigation within 30 days of receiving a dispute.

15 U.S.C. 1681s-2 ( b ) Upon receiving notice of a dispute, furnishers must conduct a reasonable investigation, review all relevant information, and correct or delete any inaccurate or unverifiable information.

15 U.S.C. 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported.

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 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened the account in XX/XX/year> at Truist bank XXXX XXXX Florida Branch and deposited a check for {$5600.00}. The account was closed the following day. 

Truist debited the funds from the XXXX that I provided my services Homeowners Associations account in XX/XX/year> and negotiated the check. The Association confirmed the account is legitimate, and its manager/president personally went to the XXXX XXXX branch to verify the information.at the branch they advised to sent an email to claims at Truist and he sent an email to theTruist email provided at XXXX To this day, XXXX months later -I have not received my money or a clear explanation.no even a letter to notify the status of the claim. 

I am requesting that Truist release the {$5600.00} to me, plus any applicable interest. These are wages I earned through my work, and it is only fair that the funds be returned immediately.

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 2026-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I checked online and applied for American express card with XXXX pts promo. After spent over XXXX for the XXXX month, I called and got pushed around for 3 times until I was told that I was not qualified for the promos. 
I canceled the card on XX/XX/year> and requested to have my membership fees refuned to me. The rep said that it would be prorated and take place within XXXX hours. I called again today and asked for the fee, another rep said I am not eligible for the refunds. Please help me to deal with this type of fraudulent from a big company. 
They were misleading about the promo pts and not very clear if you are qualified until you don't. Then, how to justify the XXXX $ membership fee for only using the card for XXXX  months. I also paid XXXX $ for additional card. 
Everytime I called, I got different answers and XXXX business days to wait. 
They don't show any empathy nor understanding the hard working dollards that we paid for the use of travel. They are very dismissal and not caring to help. Greedy company

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Research Inc
State: SC

Complaint narrative:
Someone stole my identity to take out a student loan and enrolled in XXXX XXXX in XXXX XXXX XXXX, Minnesota i've been trying to get in touch with the financial aid department to resolve this issue, this issue started in 2024 i have a very busy work schedule and have been trying to make time to fix this problem and fix my credit i have taken a big hit on my credit report this. I also have a police report from the city i live in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
There are several account created with capital one, XXXX  and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: MO

Complaint narrative:
Used my GI bill for a program that was not under causing out of pocket with running my financial aid up then refusing to send my transcripts to me after debit was paid off.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: FL

Complaint narrative:
I attempted to cancel my MoneyLion XXXX XXXX XXXX membership, but the app would not allow me to remove my linked XXXX debit card. I sent written notice revoking authorization for MoneyLion ( ML Plus LLC ) to debit my account. Under the Electronic Fund Transfer Act ( EFTA ), a company must honor a revocation of authorization. 

I contacted XXXX, and they placed a stoppayment order on MoneyLions transactions. Despite this, MoneyLion continued attempting withdrawals. XXXX then hardclosed my debit card, issued me a new card, and flagged MoneyLions repeated debit attempts as likely fraud.

MoneyLion has not acknowledged my cancellation request, my revocation of authorization, or the unauthorized debit attempts. Their only response was a hardship program email that did not address the unauthorized activity or the cancellation issue.

I am requesting the CFPBs assistance because MoneyLion continued unauthorized debit attempts after revocation, after a stoppayment order, and after XXXX flagged the activity as likely fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: TX

Complaint narrative:
My IRA was paid out to someone not me. Just got the tax information for it for XXXX XXXX XXXX XXXX. I'm tired of not being a valued customer. One tax paperwork came for {$940.00} and the other came for {$600.00}. The total of my IRA. I lost the paperwork living in my car. This bank treats me like I'm nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CarMax, Inc.
State: FL

Complaint narrative:
CarMax Auto Finance is reporting false and misleading information about my charged-off auto loan. The account was charged off in XX/XX/XXXX, but CarMax continues to update the tradeline every month as if new delinquency is occurring. They are reporting monthly charge-off activity through XXXX, which makes the debt appear recent and extends the negative impact on my credit. 

I asked CarMax to provide documentation showing the correct date of first delinquency, the charge-off details, and an accurate accounting. They did not provide any validation. Instead, they continue furnishing monthly updates, reporting the entire balance as past due, and showing contradictory statuses ( charged off but also active/past due ). 

This is false representation of the debt and ongoing misreporting. It harms my credit by making the account appear newly delinquent even though no payments or activity have occurred since XXXX. CarMax did not conduct a reasonable investigation or correct the inaccurate data. 

I am requesting the CFPB require CarMax to delete the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
XX/XX/XXXX - I contacted Rocket via their message system because they paid the wrong tax amount on XXXX XXXX. Per my XX/XX/XXXX statement transaction history and their website, they disbursed {$890.00} on XX/XX/XXXX XXXX XXXX XXXX. 
XX/XX/XXXX - I followed up via email to XXXX and attached tax bills. 
XX/XX/XXXX - I contacted Rocket again via their message system because they still had my tax amounts wrong. 
XX/XX/XXXX - Escrow Review received and not correct because the tax amounts are not correct. 
XX/XX/XXXX - I contacted Rocket via their chat and explained it all again, along with the XX/XX/XXXX escrow review being wrong because the taxes were wrong. The man I chatted with insisted one of my parcels was exempt. I told him that was not correct. 
XX/XX/XXXX - I followed up via email to XXXX and XXXX. I provided the tax bills for both parcels again, as well as the escrow review where I highlighted the incorrect numbers. 
XX/XX/XXXX I captured Escrow Disbursements and Escrow Projections screenshots on the Rocket website. Escrow Disbursements has the wrong tax amount paid on XX/XX/XXXX. Escrow Projections has the wrong tax amount for both parcels. 
XX/XX/XXXX My county Treasurer Dept confirmed via email that they never received the {$890.00} disbursed from my escrow account on XX/XX/XXXX. 
XX/XX/XXXX Another Escrow Review received, still not correct because taxes are not correct. 
XX/XX/XXXX Checked Treasurer site because 2nd parcel tax was due and they still had not paid it, so I did. 
XX/XX/XXXX Followed up via email, pointing out everything that was wrong again. This was sent to XXXX and XXXX with XXXX XXXX Treasurer XXXX XXXX for full transparency. Added attachments showing that I paid the 1st half tax for parcel XXXX and they paid the full year for parcel XXXX. They made payments from my escrow on XX/XX/XXXX and XX/XX/XXXX each in the amount of {$660.00}. 
XX/XX/XXXX I captured screenshots from their website showing 2 different escrow balance amounts. Loan Information says {$1900.00}. Transaction History says {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Via Certified Mail Return Receipt LVNV FUNDING LLC C/O XXXX XXXX XXXX XXXX, SC XXXX XXXX : Cease and Desist / Unlicensed Debt Collection / Demand for Deletion To Whom It May Concern, This letter is to formally notify you that I dispute the alleged debt you claim I owe. I have confirmed that XXXX XXXX XXXX is not licensed to collect consumer debt in the State of Kentucky, and any attempt to collect a debt without proper state licensing is illegal.

Your continued attempts to collect this alleged debt and your reporting of this account to credit reporting agencies constitute violations of : The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 The Fair Credit Reporting Act ( FCRA ) Kentucky state debt collection laws and licensing requirements You are hereby directed to CEASE AND DESIST all collection activity immediately, including phone calls, letters, emails, and any communication with third parties.

Because you have no legal authority to collect or report debt in Kentucky, I demand immediate deletion of this account from Equifax, Experian, and TransUnion. Reporting an unlicensed collection account is unlawful and harmful to my credit profile.

If you fail to comply, I will file formal complaints with : The Federal Trade Commission ( FTC ) The Kentucky Attorney Generals Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will also consider pursuing legal action for statutory damages, attorneys fees, and any additional relief allowed by law. 

This letter is not a refusal to pay, but a formal notice that your claim is disputed and your collection activity is unlawful. 

Please provide written confirmation within 15 days that this account has been deleted and that you have ceased all collection efforts. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I am submitting a complaint regarding my PayPal account, which has been permanently limited. My remaining balance of {$610.00} is currently being held until XXXX. I am requesting a manual review of my account and reconsideration of the hold period. 

I was not given any prior warning before the limitation. I have been using this account for several months for everyday living purchases, occasional small direct work deposits, and receipt of my tax refunds. I was also not aware of the hold or account closure until my card was declined while I was heading out of town for a medical appointment on the evening of Tuesday, XX/XX/XXXX, at which time I logged into the account to determine the reason. 

I would like clarification on the specific reason for the permanent limitation and whether my funds can be released sooner, as I am not aware of any violations that would justify holding my balance for XXXX  days. Please also confirm the exact release date and that my full balance will be returned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: CO

Complaint narrative:
I am submitting this complaint regarding the reporting of late payments on my Concora Credit ( Indigo ) account. 

While I acknowledge that a payment was reported late, I was not properly notified that my account had become past due. I did not receive adequate communication, warning, or outreach indicating that I was at risk of being reported late to the credit bureaus. I only became aware of the late status when I logged into my account independently. 

Had I received timely and clear notice that my payment was past due and at risk of negative credit reporting, I would have immediately brought the account current to prevent damage to my credit profile. 

Since discovering the issue, I have taken full responsibility and have maintained my account in good standing. My account has now been current for XXXX consecutive months, demonstrating my commitment to responsible repayment and financial improvement. 

I am currently in the process of qualifying for a mortgage, and the reported late payments are creating a significant barrier to securing stable housing. I have made substantial efforts to rebuild my credit, and this reporting particularly given the lack of proper notification is disproportionately impacting my ability to move forward. 

I am respectfully requesting that Concora Credit conduct a thorough review of the notification process on my account and consider a goodwill adjustment to remove the reported late payments in light of : Lack of adequate prior notice My account being current for the past XXXX months Demonstrated effort to maintain responsible payment history Significant hardship caused in the mortgage approval process I am not disputing my obligation to pay. I am requesting fair consideration based on the circumstances and my current good standing. 

Thank you for your review.

Company response to consumer: Closed with explanation