vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am writing to formally dispute the negative balance associated with my former Truist checking account ( XXXX ) and to request corrective action. 

This account had no deposits, withdrawals, or customer-initiated transactions for several years and was effectively dormant. At some point, Truist began assessing monthly maintenance fees of approximately {$20.00} without any activity on the account. These fees alone caused the account to enter a negative balance. No overdraft transactions, debit card usage, ACH withdrawals, or checks contributed to the negative balance. 

As a result of these fee assessments, the account became negative by approximately {$40.00}, was subsequently closed, and has now been sent to collections. I did not receive clear or timely notice that maintenance fees would be assessed on a dormant account in a manner that would overdraw it, nor was I given a reasonable opportunity to prevent or address the issue. I am also currently unable to access online banking or retrieve past statements to independently verify the charges. 

Given that the negative balance was created solely by maintenance fees on an inactive account, I am requesting the following corrective actions : 1. Retroactive closure of the account effective as of the date immediately prior to the first maintenance fee assessment 2. Reversal and removal of all maintenance fees and any related charges assessed after that date 3. Restoration of the account balance to the amount that existed before fees were imposed 4. Withdrawal of the account from collections and confirmation that no balance is owed 5. Correction of any internal or third-party reporting ( including XXXXXXXX XXXX XXXX XXXX or similar databases ) I believe this resolution is appropriate given that the debt arose solely from bank-initiated fees on a dormant account, rather than from any consumer-initiated transactions. I am requesting written confirmation once these corrections have been completed. 

Thank you for your prompt attention to this matter.

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 2026-01-14 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:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

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 2026-01-14 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: T.S. Holdings
State: TX

Complaint narrative:
IQ DATA XXXX was assigned my case, debt collection .They kept harassing me for money calling my employer after i had told them to stop. they kept calling, i did paid IQ Data as arranged payment for payment arrangement. i made the XXXX and XXXX payment and then XXXX payment. the main Rental apartment i was with was XXXX XXXX XXXX XXXX i live thee for over XXXX  years, i never failed to pay my rent and other fees. i left XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  charged me {$1900.00} and Assigned my case with IQ Data XXXX. i have been making arrange payment with IQ Data XXXX as debt collected for XXXX XXXX XXXXXXXX. Suddenly, i called IQ data XXXX  and they later confirm, it was an Error, the case was assigned by mistake. I wasn't owing any amount to XXXX XXXX XXXXXXXX. i then demanded for my full refunds of all payment i made to IQ Data XXXX. they have not given me a good and favorable response, telling me to go get my money from XXXX. I did paid IQ XXXX after several harassment and intimidation and phone call everyday demanding money. i should paid money owned to their client XXXX XXXX XXXXXXXX. The fact is i don't owe XXXX a dine. they IQ Data should refund all my money with interest and damages claim, and also to remove every negative report submitted to the XXXX credit report bureau.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-14 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: DC

Complaint narrative:
On XX/XX/XXXX a balance of XXXX was deposited in to a account i cant access on cash app i lost my phone and card and I explained that to them they told me to open a new account which I did after doing so they closed the new account immediately after I open it and said it was against there terms and never explained what I did wrong or allowed me to fix the issue now my funds are in limbo

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
In XX/XX/XXXX, my mortgage servicer, PennyMac, placed my loan into a forbearance/temporary payment plan that reduced my monthly payment to {$350.00} for a period of XXXX  ( XXXX ) months. I fully complied with and completed the plan as agreed. 
PennyMac issued a written Plan Completion Notice stating that the plan ended on XX/XX/XXXX, that the loan terms did not change, and that as of XX/XX/XXXX, the loan would return to normal servicing. 
The written agreement and completion notice did not state that the full deferred amount would become immediately due, nor did it state that my account would be placed into pre-foreclosure status upon completion of the plan.

Despite this, PennyMac has now labeled my account as being in pre-foreclosure status, treating the account as delinquent based on terms that were never disclosed in the agreement I relied upon. This contradicts PennyMacs own written Plan Completion Notice and constitutes a servicing error. 
I have submitted a written Notice of Error and dispute to PennyMac and uploaded the Plan Completion Notice through the customer portal. PennyMacs actions appear to be unfair and deceptive, as they are enforcing obligations that were not part of the written agreement and are inconsistent with the representations made to me at the conclusion of the plan.

I am requesting that PennyMac correct this servicing error, remove any improper pre-foreclosure designation, return my loan to normal servicing as stated in the Plan Completion Notice, and provide written confirmation that no foreclosure activity will proceed based on undisclosed or nonexistent terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Finance of America Holdings LLC
State: CT

Complaint narrative:
XXXX Mortgage loan paid off on a residential property in XXXX  XX/XX/year>. This financial institution had filed a " XXXX XXXX XXXX '' with the regional court previous to the payoff. I have requested a formal " XXXX XXXX XXXXXXXX XXXX '' several times and this institution keeps filing additional mortgage satisfactions instead. I need a formal legal filing of a " XXXXXXXX XXXX XXXXXXXX XXXX ''. I am encountering issues with my own personal affairs although I am only the Trustee. Given the manner in which they filed the XXXX XXXX it is coming up allocated to me personally instead of as Trustee. Regardless, I need a formal discharge of the pending legal action filed with the court. 

The company will not respond to any communications. Attempted calls are disconnected. Their legal counsel will not return calls. My next action is to begin a legal action against them for my denial of a mortgage application. Please advise. Thank You Mortgage Account number is XXXX - XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against JPMorgan Chase Bank regarding unauthorized international debit card transactions. 

Business : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX  XXXX, OK XXXX Chase Account Number : XXXX Debit Card : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX From XX/XX/XXXX through XX/XX/XXXX, {$37000.00} was charged without authorization for XXXX XXXX  ( Ad Account ID XXXX ). These charges originated outside the United States and resulted from account takeover fraud. 

I did not travel internationally, did not authorize these transactions, and did not benefit from them. 

Chase has stated reimbursement would be limited to approximately 30 days of transactions, which does not address the full scope of the fraud. 

Attached are bank statements documenting all unauthorized charges. I also have a recorded conversation with XXXX ( XXXX ) support confirming the foreign origin and lack of authorization. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I sent {$150.00} to the wrong person, the company look into it and said they couldn't refund money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
To whom it may concern, I looked at my credit report and noticed you have reported JEFFERSON CAPITAL SYSTEMS account number XXXX. According to 15 U.S. Code 1681 b ( 2 ) and FCRA section 605B it is illegal to report anything on my credit report without my exclusive permission. Please remove this account immediately. Also keep in mind that you are required to delete this no later then XXXX business days after you receive this dispute from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I am submitting this complaint due to the companys failure to conduct a reasonable investigation after I disputed a collection account reported on my credit file. 

I disputed the accuracy of the following account in writing : Account Number : XXXX Account Type : Collection Balance Reported : {$1900.00} Date Opened : XX/XX/year> Instead of providing verification or evidence supporting the accuracy of the account, the company responded with a generic statement indicating that the account meets the requirements of the Fair Credit Reporting Act.

This response does not constitute a reasonable investigation as required under 15 U.S.C. 1681i ( a ). No documentation was provided, including : A signed contract or agreement Proof that I legally owe this debt Proof of ownership or assignment of the debt An itemized breakdown of the balance Evidence supporting the collection status Additionally, the account is reporting incorrect variations of my name, which further demonstrates that the information being furnished is inaccurate and unreliable. 

Despite my dispute, the company continues to report this account without validating its accuracy, in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 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: Resurgent Capital Services L.P.
State: VT

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XXXX  days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: Affirm Holdings, Inc
State: VT

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: ENCORE CAPITAL GROUP INC.
State: VT

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/year>, I was the victim of a sophisticated fraud involving criminal impersonation of XXXX XXXX XXXX XXXX and the FBI. The perpetrators spoofed official phone numbers, possessed accurate personal information, and used screen-sharing software with fabricated institutional branding to coerce me into transferring funds under the false pretense of fraud mitigation. 

Multiple large transactions were attempted across my financial institutions. Most were blocked. XXXX {$24000.00} XXXX transaction funded by my USAA credit card was processed before the fraud was identified. Once I recognized the deception, I immediately froze all accounts and reported the incident to XXXX XXXX, XXXX, USAA, XXXX and XXXX XXXX. All institutions confirmed fraudulent activity or attempts. XXXX admitted to me that their policy supports the receiver of funds in this case and the specific account that received the funds was already marked for suspicious activity. 

XXXX and USAA have denied my fraud claim on the basis that the transaction was authorized, despite clear evidence of coercion, impersonation, and deception. I believe this constitutes an unreasonable investigation and an improper classification of fraud by impersonation. 

I am requesting that XXXX and USAA reopen and properly investigate this matter, coordinate with each other, and refund the disputed funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 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: VT

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Had my hours cut at work, struggled to make payments, asked to lower the payments. They told me they do not lower payments, nor would allow me to lower the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: Midwest Fidelity Services, LLC
State: VT

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint against Experian for unlawful reinsertion and failure to conduct a reasonable reinvestigation under the Fair Credit Reporting Act. A complete violation of compliance. 

XXXX accounts XXXX XXXX XXXX XXXX XXXX XXXX that were previously deleted from my credit report for over two years were reinserted and/or updated as closed/transferred with inaccurate late payment history. I did not receive any reinsertion notice within five days as required by FCRA 611 ( a ) ( 5 ) ( B ), nor was I provided with furnisher certification or a valid method of verification. 

The credit bureaus failed to conduct a reasonable reinvestigation and continue to report inaccurate and unverified information, in violation of : FCRA 611 ( a ) ( 1 ) FCRA 611 ( a ) ( 5 ) ( B ) FCRA 1681e ( b ) FCRA 623 ( a ) ( 1 ) ( A ) Despite submitting documentation and disputing the accuracy, the bureaus merely changed the status to closed instead of deleting the accounts and did not provide proof of verification. 

I am requesting the following resolution : 1. Immediate permanent deletion of all nine accounts 2. Written confirmation of removal 3. Written proof of compliance with FCRA reinsertion procedures 4. Correction of my credit file to reflect accurate reporting These violations have caused financial harm, credit denial, and emotional distress.

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 2026-01-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
XX/XX/year> : Sunrise Credit Services reports a collections account in my name to Equifax. 
XX/XX/year> : I noticed the collections account on my XXXX  credit report. 
XXXX XXXX XXXX : I disputed the collection account with XXXX. The dispute was denied by XXXX  ; however, I still have not received any validation documentation. 
XXXX XXXX : I called Sunrise and requested validation documentation for alleged debt. 
XXXX XXXX : I called Sunrise and repeated my request for documentation. Sunrise promised to provide documentation by email within 48 hours. 
XXXX XXXX : Sunrise failed to provide the promised documentation. 
XXXX XXXX : I called Sunrise and they treated me in a rude and unprofessional manner. 
XXXX XXXX : I wrote a letter to Sunrise asking for validation documentation. I faxed the letter to Sunrise. 
XXXX XXXX : I called Sunrise and they told me they do not own the debt in question. They refused to have the record deleted from my credit report and they refused to send me an email or letter confirming that they do not own the debt.

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