vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: NJ

Complaint narrative:
I contacted Halstead Financial regarding a charged-off account. Halstead emailed me confirming they would accept a settlement and agreed to remove the account from my credit reports ( pay for delete ) upon payment.

After receiving this written agreement, I attempted multiple times via email to confirm payment instructions and finalize the settlement. Despite repeated follow-ups,
Halstead stopped responding and has not honored or clarified their written pay-for-delete agreement.

I am actively trying to resolve this debt and have funds available, but Halsteads lack of response and failure to follow through on their agreement is preventing resolution and is continuing to harm my credit.

I am requesting that Halstead Financial honor their written settlement and pay-for-delete agreement, provide clear payment instructions, and remove the account from all credit bureaus upon payment as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: Shellpoint Partners, LLC
State: WA

Complaint narrative:
I am submitting this complaint regarding unapplied funds currently being held by my mortgage servicer. 
The payment was originally submitted in connection with a loan modification that ultimately failed and was not approved. Instead of returning the funds to me, the servicer applied part of the payment to my regular mortgage payment and left the remaining balance listed as unapplied funds. 
I formally requested in writing that the unapplied funds be returned to me, as the loan modification was unsuccessful and the funds are not authorized to be held indefinitely. I sent this request weeks ago and have not received a response, resolution, or explanation.

Holding unapplied funds without timely response or refund places an unnecessary financial burden on me and raises concerns about improper servicing practices. 
What I want the company to do to fix the problem : Immediately refund the unapplied funds, or Provide a clear written explanation with documentation showing why the funds can not be returned. 
I am requesting prompt resolution and written confirmation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
Truist Bank removed or restricted my XXXX enrollment tokens ( Phone Number XXXX and/or email XXXX ) without my authorization, preventing me from accessing XXXXXXXX XXXX XXXX I did not request removal or transfer of these tokens and believe they were improperly accessed or reassigned, constituting identity theft and unauthorized account activity. 

I am the verified owner of the phone number and email at issue. Truist, as a participating XXXX financial institution, has a duty to properly maintain, release, and restore enrollment tokens once ownership is confirmed. Failure to do so is an account-servicing failure and an unfair banking practice.

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 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: OH

Complaint narrative:
XXXX charged my account XXXX was sent back to me then same company under another name charged me XXXX for the same product. I never received any info from purchase site. No email no shipping or receipt. I contacted Cash App they denied my claim and my appeal. I asked for the facts behind denied claim. They responded with there isnt a reason why. I am a XXXX  status with them and can borrow up to {$900.00} Ive been a customer for over 5 years. I took my card off Cash App they didnt do anything to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
I am writing to formally dispute the accuracy, validity, ownership, and legal enforceability of the account you are reporting in my name, in which XXXX XXXX XXXX is listed as the original creditor and Sunrise is reporting as the current furnisher/collector. The reported original balance of {$6600.00} is also disputed. 

I contend that this account is being reported inaccurately and may be the result of unfair, misleading, or improper practices. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, all information furnished to consumer reporting agencies must be fair, accurate, complete, and fully verified. Additionally, 15 U.S.C. 1681n and 1681o ( 616617 ) hold both credit reporting agencies and furnishers liable for reporting false, misleading, or unverifiable information.

Accordingly, I am requesting a full reinvestigation of this account, including but not limited to the following : Verification using the original signed service agreement or contract with XXXX XXXX XXXX Proof of the complete chain of title and assignment, showing how Sunrise obtained the legal right to collect or report this account Documentation confirming the original balance, any fees added, and how the current balance was calculated Evidence that this account is being reported with maximum possible accuracy A detailed description of the method of verification used to confirm this account If Sunrise and/or XXXX XXXX XXXX can not provide original, competent, and verifiable documentation supporting the reporting of this account, it must be deleted immediately from my credit file pursuant to the FCRA. 

During the reinvestigation period, this account must not be reported as verified, nor should it be updated, modified, or re-aged. Any continued reporting of inaccurate or unverifiable information may constitute willful noncompliance under federal law.

Please confirm in writing that this dispute has been received and is currently under investigation. Failure to properly reinvestigate may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory agencies. 

Sincerely, XXXX 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 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am disputing this late payment because my credit card was stolen and unauthorized charges were made without my consent. The late payment occurred during the fraud investigation period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: TX

Complaint narrative:
i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

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 2026-01-28 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: GA

Complaint narrative:
SPRING OAKS CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL 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 2026-01-28 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: IL

Complaint narrative:
In XXXX i had an XXXX  loan in XXXX the loan defaulted in XXXX i consolidated. In XXXX the loan defaulted in XXXX my taxes were garnished. XXXX my XXXX XXXX loan was consolidated with XXXX XXXX XXXX XXXX XXXX loan. XXXX i was notified by the department of education that my loan from XXXX XXXX would be XXXX under borrowers defense and any monies paid would be refunded. Late summer/fall of XXXX i submitted a complaint with cfpb about my loan being XXXX. XXXX responded informing me my loan had been XXXX but nothing about a refund. After submitting a numerous amount of complaints with cfpb and student aid i was told i was not elgebile for a refund because my loan was XXXX  which was not true my loan was a direct loan and my federal taxes were garnished by default resolution group. Now im being told after someone doing their job now its im not elgebile for a refund because department of ed has not approved it when im being told its XXXX responsible for issuing my refund

Company response to consumer: Untimely response
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DE

Complaint narrative:
" I am a USAA member filing an emergency complaint regarding the total freeze all of my checking accounts on XX/XX/year>. My accounts were frozen following a recorded three-way call with a third-party lender earlier today. Despite appearing on the call and consenting to the verification, USAA flagged the account for fraud. 
My current location is on and off a government-declared State of Emergency due to a severe snowstorm. My home lost power XXXX in past 4 days. I was stranded at a restaurant with my XXXX children and had no access to funds for food, safety, or transport. Not just embarrassing but also extremely inconvenient and a dangerous to experience as a single mother XXXX. f I have already spoken to XXXX separate USAA fraud specialists and successfully verified my identity each time. Despite this, USAA is refusing to release the hold for XXXX hours. Depriving a member of access to all liquid funds during a natural disaster, especially after identity verification, constitutes an unreasonable hardship and a safety risk to my children.

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 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
Given the recent XXXX XXXX XXXX  data breaches and lawsuits filed XX/XX/year> and XX/XX/year>, which exposed names, Social Security numbers, and dates of birth, it is entirely plausible that my identity was compromised and used to open this account fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: PLS GROUP, INC
State: NY

Complaint narrative:
I am filing a complaint against PLS Check Cashers located at XXXX XXXX XXXX, XXXX, XXXX  XXXX. 
On the date of my visit XX/XX/year> at XXXX the check cashing clerk name is XXXX XXXX I cashed a check at this location and was given {$60.00} in damaged XXXX XXXX, consisting of XXXX {$20.00} bills. The bills were torn and visibly damaged when they were handed to me. I did not damage the bills and received them in that condition directly from the business. 
A licensed check-cashing business should not distribute damaged or unusable currency to customers. This caused inconvenience and difficulty using the money. 
I am requesting that PLS Check Cashers replace or refund the {$60.00} in damaged currency and take corrective action to prevent this from happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: OH

Complaint narrative:
Hey there I have no idea if I hit the right buttons or not but here is my situation. 
I was told to send a sum money of {$300.00} to a man in the XXXX to help his sister with XXXX dialysis but I have found out that it was a front and is being used to scam people. Is it possible to get my money back I sent? If not just let me know. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: TN

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 non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Accounts Service Team Inc.
State: VA

Complaint narrative:
FIN ACCTS SV is falsely reporting on my credit. I have never had any accounts with them. Per my research FIN ACCTS SV 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 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 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
b'Cashapp has partially denied my claim previously filed for unauthorized transactions and only have refunded me a few of the fraudulent charges\n1. What is your legal name? XXXX XXXX XXXX XXXX XXXX XXXXemail address : XXXX \nphone number linked to your account? XXXX  What is the date and amount of each transaction that you are requesting a refund forXXXX  cash out $XXXXXXXX XXXX  cash out XXXX XXXX  cash out XXXX XXXX cash ouXXXX XXXX XXXX cash out XXXXXXXX XXXX cash out XXXX XXXX cash out XXXXXXXX XXXX cash out XXXX XXXX cash out XXXX XXXX  cash ouXXXX XXXX XXXX cash ouXXXX XXXX XXXX cash out XXXX XXXX cash out XXXX XXXX  cash out XXXX XXXXXXXX  cash out XXXX XXXX  cash out XXXX XXXX cash out XXXX XXXX cash out XXXX XXXX  cash out XXXX XXXX  cash out XXXX XXXX  cash out XXXX XXXX cash out XXXX XXXX cash out XXXX XXXX cash out XXXX XXXX Cash out XXXX XXXX  cash ouXXXX XXXX XXXX cash out XXXX XXXX cash out XXXX XXXXXXXX  cash ouXXXX XXXX XXXX XXXX cash out XXXX XXXX  cash out XXXX \XXXX cash out XXXX XXXX cash out XXXX XXXX cash out XXXX XXXX  cash out XXXX XXXX cash out XXXX XXXX  cash out XXXX XXXX cash out XXXX XXXX  cash out XXXX XXXX cash out XXXX XXXX cash out XXXX XXXX cash out XXXX XXXX cash out XXXX XXXX cash out XXXX XXXX  cash out XXXX cash out XXXX XXXX  cash out XXXX XXXX cash out XXXX XXXX cash out XXXX XXXX cash out XXXX XXXX cash ouXXXX XXXX XXXX cash out XXXX XXXX cash ouXXXX XXXX XXXX  cash out XXXX XXXX cash out XXXX XXXX  cash out XXXX XXXX  cash out XXXX XXXX  cash out XXXX XXXX cash out XXXX XXXX cash out XXXX XXXX cash out XXXX XXXX cash out XXXX XXXX  cash out XXXX XXXX cash out XXXX Which statement best describes the issue?\n\n1. I didnt make the transactions\n\nOptional Question:\n4. Was your device in your possession at the time of the issue?\nNo \nOnce we receive this information, well be able to investigate further.\n\nAdditionally, providing answers to the following questions are optional but could further assist us in our investigation:\nWhat is the make and model of the device(s) you were logged into when the transactions took place?XXXX XXXX XXXX XXXX XXXX XXXX XXXXWhich city & state were you located in when the unauthorized transactions took place?\nXXXX XXXX  Virginia \nDid you forward or provide any account access information to a third party?\nNo\nWere you instructed to download any other apps other than Cash App to access the account in question?\nNo\nWas your Cash App account accessed by another person other than you? If YES, do you know the individual that accessed your account?\nWas a payment sent from your device by someone else?\nWas the mobile device associated with your Cash App account lost or stolen? If YES, were you able to later recover your mobile device?\nYes & no police were unable to locate none of the devices on any of the occasions'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Prince Parker & Associates
State: GA

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 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 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Exto Inc.
State: CA

Complaint narrative:
I was charged twice for the same order from XXXX  XX/XX/year>. I Purchased XXXX items from XXXX XXXX XX/XX/XXXX at XXXX for a total of {$27.00}. Then XXXX refunded XXXX of the items that was {$6.00} because the item was made incorrectly dropping the final transaction balance to {$20.00}. My atlas credit card was charged the {$27.00} and it showed as a pending transaction while my available balance dropped to {$49.00}. I paid my credit card balance back up to full balance XXXX that night back up to {$76.00}. The next day I look at my account and my balance dropped down to {$56.00} ( which is the {$27.00} minus the {$6.00} refund - {$49.00} + {$6.00} ). My balance showed that they took an additional {$20.00}!!! Now my account says their is a pending- {$27.00} in which passed its post time XXXX business days at the most or XXXX days if the transaction was a ACH ( in which it isnt but a debit ). So their sending replies playing dumb telling me that their waiting for the merchant " XXXX '' to release the payment IN WHICH THEY ALREADY HAVE. XXXX has already settled the payment Atlas XXXX is the one holding my money! The {$20.00} charge that brought my balance down to {$56.00} is the doordash settled amount released from doordash. So Atlas is using some " misdirection '' tactic trying to keep my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NM

Complaint narrative:
Subject : Inaccurate and Unverifiable Collection Accounts Reporting on My Credit File Complaint : I am submitting this complaint regarding XXXX or more collection accounts currently reporting on my credit report that I believe are inaccurate, unverifiable, or improperly reported. 

After reviewing my credit reports, I noticed collection accounts that lack complete and accurate information, including but not limited to the original creditor details, accurate account dates, balance justification, and documentation proving legal ownership of the alleged debt. 

I dispute the accuracy and completeness of these accounts and request that the collection agency provide full verification, including : Proof of ownership of the alleged debt Documentation showing the amount reported is accurate Evidence that the account is being reported in compliance with the Fair Credit Reporting Act ( FCRA ) Confirmation that all information furnished to the credit bureaus has been properly investigated and verified If the collection agency is unable to provide full and accurate verification, I request that the account ( s ) be deleted from my credit report. 

I am requesting that the CFPB investigate this matter and ensure that all inaccurate or unverifiable information is corrected or removed in accordance with federal law. 

Thank you for your assistance.

Company response to consumer: Closed with explanation