vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC

Complaint narrative:
a XXXX cell phone bill for roughly {$220.00} has been circling different collection agencies and now it's currently with Jefferson, I haven't had a XXXX phone since the late XXXXXXXX XXXX to early XXXXXXXX XXXX which was listed on my XXXX XXXX in XXXX. I don't understand why its keeps circling form collection companies

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Some kids were saying they were selling candy to save up for school supplies n that they were selling candys n if I could help them I said I dont have cash they said they accept tap to pay so I did that and they ran off I checked my bank account and I was charged XXXXXXXX XXXX dollars I called my bank within seconds of the transaction asking them to cancel it they said they couldnt do that until the transaction went thru it went thru the next day I called and they gave me provisional credit pending am investigation well in XXXX they rescinded the credit saying I authorized it which I didnt I filed a police report the next weekday after it happened provided the case number to my bank and they side with the scammers I need help getting those XXXX $ XXXX please

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
This debt does not belong to me. I do not owe this debt. This company is trying to collect a debt I do not owe nor have I ever done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Concord Servicing Corporation
State: TX

Complaint narrative:
Timeline of Actions and Document Submission : XX/XX/XXXX : Timeshare transaction posted on my account. XX/XX/XXXX : Sent written cancellation notice to the company via email. XX/XX/XXXX & XX/XX/XXXX : Called XXXX for guidance on disputing the charge. XX/XX/XXXX : Sent certified mail cancellation notice to the company. XX/XX/XXXX : Filed dispute with XXXX because the charge had been posted to my account and was no longer pending ( I could not dispute it while it was still pending ). The transaction was stopped on my account. XX/XX/XXXX XX/XX/XXXX : Uploaded emails and certified mail proof through the XXXX dispute portal. XX/XX/XXXX : Filed dispute with my Equifax over the account XX/XX/XXXX : Dispute with Equifax was closed XX/XX/XXXX : Submitting additional documentation : contract and Texas Timeshare Act excerpt to support the dispute for XXXX XX/XX/XXXX : Another filled dispute with XXXX over the account XX/XX/XXXX : The dispute was closed XX/XX/XXXX : The company sent me a bill through mail XX/XX/XXXX : Sent 2nd certified mail cancellation notice to the company XX/XX/XXXX : The company sent another bill through the mail XX/XX/XXXX : Called the company about termination of contract to accordance to Texas state law property code chapter XXXX and called XXXX about the account on the credit report and they informed to make a complaint to the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I just turned XXXX on XX/XX/year> and I opened a bank account at XXXX XXXX at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX on XX/XX/year> and opened my bank account with my Social Security Number, Passport, State ID, email and phone number the banker who opened my account accidently put my State ID as a driver 's license and that put a red flag on my bank account and so on XX/XX/year> I had to go to the branch and get this problem fixed and verify everything again and after I was verified correctly I couldn't still send Payments with PayPal so I thought I would try again later on XX/XX/XXXX today my account was limited at first it said my account was temporarily limited and it needed a bank statement but I opened my bank account recently and didn't have a bank statement yet so I contacted PayPal support and they took 20 minutes to review my account and they permanently banned me and I asked why and for information and they said they couldn't provide me a reason on the text chat on the app so I called the phone number today and the guy said he couldn't say why my account was banned and it was high risk this is my very first PayPal account I opened ever and in my name and everything and they wouldn't provide me information I'm asking if you can forward this to PayPal to unban me or at least see why I was banned I want to be able to send money to friends and family I think what happened was I opened my bank account way too soon and there was a information mismatch and that's why PayPal banned me but I'm hoping you can help as XXXX said you guys can help below will be screenshots of proof opening my bank account on XX/XX/XXXX and PayPal banning me today and not saying a reason why thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: NY

Complaint narrative:
On XX/XX/year>XXXX I sent a money transfer to XXXX XXXX but the money was not delieved to the person 's account and Remitly says that their system says that it was delivered. I check with the person 's bank and they sent me paperwork stating that the funds were not delivered to the recipient because of incorrect currency and that the bank rejected the money transfer. The transfer was for {$2000.00} dollars. The recipient bank is XXXX XXXX and the recipient name is XXXX XXXX and their account number is XXXX. I will provide the document that the recipient bank sent me as proof that the money transfer was rejected and not delivered to the recipient, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
I got a payment of XXXX form retail me not to my phone XXXX I only linked the phone number to my account after payment was sent but within the 24 it takes to load. Venmo is saying that the money went to a different wrong account but that is impossible as no one can have an account with I phone number Ive had for a year or so. The previous rep I spoke to said I need the id number and they will know where it went - he said Id get an email to respond to which I never got. The rep says I have to go back or retail me not. Which doesnt make sense they did nothing wrong and can do anything Venmo just stole my money. Im on the phone with them for more than an hr now wanted to speak to a manager she just put me on hold with music now its quiet and theyll prob just disconnect the line. I am very upset every dollar counts by me and for my family and this is my money. If there was no account for it they shud have sent it right back and it would not have gone thru. Instead thy stole it and are ghosting me now. My account was previously on a diff phone number which I will have so cant be that please help me they dissconnected my call after XXXX min where is my. Money? Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WSFS FINANCIAL CORPORATION
State: IN

Complaint narrative:
I suffered a loss of my daughter and then my wife I came home to take care of my children and my company suffered a fraudulent act where I had to return XXXX trucks where I was paying for them, but the customer was not the actual owner so it pulls my business and calls the hardship. I informed my mortgage company. I had never been late and my company is recovered and I am able to restart payment. They asked for a payment, I gave them XXXX. They took it all for fees, they told me they were working something out and then they went into full closure after promising that they would not as long as the process was in play, I have not received a letter from the company. And they have denied deferral payment

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
XXXX & XXXXis falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX & XXXXis a debt collector. They are falsely reporting on my credit!! Account number is XXXXis falsely reporting to my credit file and is against my rights and fair credit act. Under U.S CXX/XX/XXXXe XXXX - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: TX

Complaint narrative:
I am requesting that all fraudulent accounts and associated information be immediately blocked and permanently removed from my credit report pursuant to 15 U.S.C. 1681c-2. This includes the deletion of all related tradelines, inquiries, and any personal information connected to these accounts. I also request written confirmation that these items have been removed and that they will not be reinserted or sold to any third party in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Co LLC
State: MO

Complaint narrative:
I am disputing the accuracy and legality of a collection account being reported and furnished by XXXX XXXX XXXX / DebtCo. This account has been reported with inconsistent and fluctuating balances ( including approximately {$7800.00}, {$9200.00}, and {$10000.00} ) without a clear, itemized accounting or explanation of how these amounts were calculated. I have submitted multiple disputes directly and through the credit reporting agencies. Despite this, the account has been repeatedly verified as accurate without a reasonable investigation or any meaningful response addressing the discrepancies I identified. The documentation provided does not establish a complete and verifiable chain of title or ownership of the account, yet it continues to be furnished to consumer reporting agencies. Reporting information that is inconsistent, unverified, or misleading violates the Fair Credit Reporting Act, including : - Failure to conduct a reasonable investigation after notice of dispute ( 15 U.S.C. 1681s-2 ( b ) ) - Furnishing inaccurate or misleading information ( 15 U.S.C. 1681e ( b ) ) The continued reporting of this account has caused actual damages, including credit denials and adverse financial impact. I am requesting immediate correction and deletion of this account, along with appropriate resolution for the harm caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Advices this was an 7 to 10 yrs debt and wanted it permanently removed from my credit report. Additional information provided by consumer : XXXX Please send this to : CB/XXXX ( Commentiy BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Prince Parker & Associates
State: AR

Complaint narrative:
My identity was stolen and I have no knowledge of this debt with Prince-Parker Associates for the amount of {$1300.00}. This is a fraudulent charge and collection on my XXXX credit file, XXXX XXXX XXXX XXXX XXXX, the address for Prince-Parker Associates is XXXX XXXX XXXX XXXX XXXX NC XXXXThis is a third-party address and account that I have no knowledge of. I have a current Account with XXXX XXXXhat is in good standing. Please remove this from my credit report. Thanks in advance.

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 2026-04-20 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: CITIBANK, N.A.
State: CT

Complaint narrative:
XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX Above represents fraudulent charges on my account by Citibank anywhere card and subsequently paid by me. First reported XX/XX/XXXX to Citi probate Dept. Been given excuses for delayed determination and today, XX/XX/XXXX was told the charges belonged to me. Citi lacked due diligence in investigating my claim. The card in question belonged to my husband who died XX/XX/XXXX before the incurred charges. I did file a police report. Welcome further discussion with your Company.

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 2026-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Independent Finance Company LLC
State: LA

Complaint narrative:
Company Name : XXXX XXXX XXXX ( XXXX XXXX, Colorado ) Product : Auto Loan ( In-house financing ) Issue : Improper repossession, defective vehicle, refusal to provide records, and disputed balance I am filing this complaint regarding an auto loan financed directly through XXXX XXXX XXXX XXXX XXXX XXXX XXXX Colorado for XXXX XXXX XXXX XXXX , purchased around XX/XX/XXXX. At the time of purchase, I paid approximately {$4000.00} down on an {$8000.00} vehicle. I was also required to purchase a warranty and XXXX coverage totaling approximately {$4000.00} combined. Within one week of purchase, the vehicles air conditioning system failed. This was a critical condition of purchase due to medical needs and transporting XXXX XXXX. I initially attempted repairs out of pocket. When the issue persisted, a repair shop informed me that a dye test had already been performed on the AC system prior to my ownership. I did not authorize this, indicating the dealership may have been aware of a pre-existing defect and did not disclose it. Additionally, I was unable to use the warranty and XXXX coverage that I paid for because they were not properly activated or funded by the dealership. This left me responsible for costly repairs that should have been covered. Due to these issues and resulting financial strain, I fell approximately {$600.00} behind on payments. However, I was actively making payments to catch up, at times paying as much as {$200.00} per week. Despite this, the vehicle was repossessed. I was not provided a meaningful opportunity to cure the default. Following repossession, the vehicle was sold at auction within approximately three days. I was not provided proper notice of the sale or a reasonable opportunity to redeem the vehicle. I was also not allowed to retrieve my personal belongings. The dealership withheld the location of the vehicle and I lost numerous personal items, including irreplaceable belongings of significant sentimental value. After the repossession, the dealership refused to provide copies of any loan or sale documents and stated that they had disposed of all records. They have refused to communicate with me in any capacity since. Despite this, they are now reporting that I owe approximately {$9000.00}. I dispute this balance in full. The company has not provided any documentation to support the debt, the repossession process, or the calculation of the alleged deficiency balance..

Company response to consumer: Untimely response
Consumer complaint received 2026-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
" Credit Collections is attempting to collect a debt of {$1000.00} originally owed to XXXX XXXX. This account was incurred during a domestic violence situation under coercion. I have an active restraining order. I disputed this account through XXXX on XX/XX/year> invoking domestic violence survivor protections and submitted my restraining order as documentation. XXXX completed their investigation and Credit Collections failed to provide proof that I am legally liable for this debt given the circumstances of coercion and domestic violence. This debt is not mine and should be removed from all three credit bureau reports immediately. ''

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Mortgage — Reverse 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: Peer Advisors, LLC
State: CA

Complaint narrative:
My mom passed away on XX/XX/XXXX. I found out from XXXX XXXX HUD that my mom has a Trust. They told me it was uploaded to the computer in XXXX. I've asked for the Trust. But they gave me a XXXX XXXX XXXX that has no instructions. I was told over the phone that the XXXX amended Trust says some things need to be probated and one of our mom 's properties is being held by the XXXXXXXX XXXX XXXXXXXX. Those are instructions that the XXXX XXXX XXXX doesn't have. I need the full XXXX amended Trust including the summary of Trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
I disputed charges for merchandise I did not receive. The merchant resolved the issue first, and a temporary credit was later posted to my account. I intended to notify Chime but forgot before the credit was issued. I believe the account closure was based on a misunderstanding and I am requesting review and reinstatement or a written explanation.. I can't access my funds. I didn't get an explanation. My account was closed XXXX. {$1400.00} money is locked or missing. I made 12 attempts to contact them. This situation has caused me financial hardship and significant frustration. I believe Chimes actions may be in violation of consumer protection laws related to the handling of funs customer

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: TN

Complaint narrative:
They do not have the right birthday on me I been ask for the forgiveness to be wipe out for the forgiveness program couldnt log into they website or nothing

Company response to consumer: Untimely response
Consumer complaint received 2026-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
I am filing this complaint because Freedom Mortgage is furnishing inaccurate and contradictory information to the credit bureaus regarding my mortgage account. My account was under an approved hardship/forbearance program. The investigation documents confirm the account has a $ 0 monthly payment, is in forbearance, and is listed as current/paying as agreed. Despite this, Freedom Mortgage continues to report late payments, including XXXX late payment history. XXXX completed my dispute on XX/XX/year> and did not remove the inaccurate reporting. This is contradictory because I can not be late on a payment that was not due during an approved hardship/forbearance period. The account is also being reported inconsistently across XXXX XXXX XXXX XXXX I am requesting that Freedom Mortgage immediately correct or delete all late payments reported during the hardship/forbearance period and send updated reporting to XXXX XXXX XXXX XXXX Additional information provided by consumer : XXXX The complaint has been in assigned status for 30 days. The consumer wants to know why this is happening. Please review the complaint. Logged in this manner per 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 2026-04-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: WA

Complaint narrative:
I am filing this complaint due to serious and ongoing violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. My credit report contains multiple inaccuracies, including addresses that I have never been associated with, incorrect variations of my name, and accounts and payment histories that are not mine or are being reported inaccurately. These errors indicate a failure to maintain maximum possible accuracy as required under 15 U.S.C. 1681e ( b ). Additionally, I am formally disputing this inaccurate information under 15 U.S.C. 1681i and demanding a reasonable reinvestigation. Any information that can not be properly verified must be promptly deleted. The continued reporting of inaccurate or unverifiable information may also constitute a violation of 15 U.S.C. 1681s-2 ( b ), which requires furnishers of information to report accurately and investigate disputes. I request that all incorrect addresses, names, accounts, and payment histories be immediately investigated, corrected, or permanently removed. Please provide written confirmation of the results of your investigation, including an updated copy of my credit report reflecting only accurate and verifiable information. Failure to comply with these obligations XXXX result in further action to enforce my rights under federal law.

Company response to consumer: Closed with explanation