vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I am disputing a collection account being reported by NATLCRSYS for {$2300.00} related to an alleged debt from XXXX XXXX XXXX. I was never properly notified of this debt before it appeared on my credit report. I did not receive any written notice, validation letter, or explanation of the charges prior to credit reporting, which is required under FDCPA 1692g. 
After discovering the account on my credit report, I requested validation. I asked NATLCRSYS to provide documentation showing how this balance was calculated, including an itemized breakdown of charges, proof of damages or fees, copies of invoices or vendor records, a full account ledger, proof that my security deposit was applied, the date of first delinquency, and proof that NATLCRSYS has legal authority to collect and report this debt. I also requested proof that proper written notice was sent to me. 
More than 30 days have passed, and none of this information has been provided. Instead, the account continues to be reported as a verified collection. Without supporting documentation, there is no way to confirm that this balance is accurate, enforceable, or even owed by me. Reporting a precise balance without transactional records violates FCRA 1681e ( b ), 1681s-2, 1681i, and Metro 2 standards, which require that reported information be factual, complete, and verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cohen & Cohen Law, LLC
State: NY

Complaint narrative:
I have an autopay schedule that cant be updated. I reached out a month ago about this while signing a stipulation and now they refuse to acknowledge my problem. The payment portal goes to {$78.00} and then switched back to {$100.00} around the XXXX without a way of canceling it or update it to the agreed amount of {$78.00}. I included screenshots to show the full information including dates, evidence of amount, and actions occured.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: GA

Complaint narrative:
I contacted cash app the minute a notification came to my phone about a {$1000.00} withdrawal and i realize my card was gone Cash app filed a dispute but as i was trying to send more supporting documents today ( XXXX XXXX ) i notice i was denied which is crazy i have evidence it seems as if Cash app denied it 7 days later after i filed i never receive ANY DOCUMENTATION of why it was denied i wasnt informed about the denial till today ( XX/XX/year> ) when i called So i ask for an appeal the agent tells me " You cant file a appeal because you already have and its been denied also '' which is FALSE i never filed an appeal i explain that to the agent and also how im in financial dept because of this transaction and currently going through Identity theft crisis ive been with Cash app over XXXX  years This has never happen before im truly upset

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Approve Holdings, Inc
State: NJ

Complaint narrative:
This is XXXX XXXX XXXX, XXXX XXXX SS XXXX I applied for an auto refinance through XXXX XXXX  using their online pre-approval process. After entering my information, multiple loan offers populated on the screen, which led me to believe I was pre-approved under specific terms. 

Shortly after, a loan officer contacted me by phone and presented loan terms that differed from what was shown during the online pre-approval process. I declined to accept any loan terms verbally and requested written disclosure so I could review the offer properly. 

The loan officer refused to provide the terms in writing unless I accepted verbally during the call. When I reiterated my request for written terms, the loan officer closed my file. This occurred despite a hard credit inquiry already being performed. 

As a result, my credit was negatively affected, I was not provided a written offer, and I was left without any loan option despite having completed the online pre-approval process and having excellent credit. I believe this constitutes high-pressure sales tactics and a bait-and-switch practice, where online offers were used to prompt an application but were not honored or disclosed in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Someone in 2017 wrote a fraudulent check with my information. I never ordered any checks with any bank and also Im trying un able to open an new account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Halsted Financial Services, LLC.
State: IN

Complaint narrative:
XX/XX/year> ; I received a call regarding a collection balance. Threatened to be sued, I asked for an email regarding the balance to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: FL

Complaint narrative:
A collection account reported by IQ Data International in the amount of approximately {$870.00} is being inaccurately reported on my XXXX  credit report. 

This alleged debt was disputed prior to collection and was the subject of a court case in the Superior Court of California XXXX XXXX XXXX XXXX XXXX ( Case No. XXXX ). 

The court entered a judgment partially in favor of the plaintiffs, confirming that the alleged debt was not valid as reported. Despite this court judgment, XXXX  verified the account based solely on verbal confirmation from the collection agency and refused to remove the account. 

Verification based on a phone call without reviewing or reconciling a court judgment does not constitute a reasonable investigation under the Fair Credit Reporting Act ( FCRA ). 

Additionally, the collection agency continues collection activity and has solicited partial payment on a judicially disputed debt, constituting violations of the FDCPA. 

I am requesting : Immediate deletion of the collection account Correction of inaccurate credit reporting A written explanation of how a court judgment was ignored during verification

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: CA

Complaint narrative:
I ordered a service called XXXX XXXX through XXXX XXXX. Needless to say there service did not work not allowing my vehicle to be connected to there service always an error message I could not contact XXXX XXXX  directly so I disputed it through my credit card company citi bank. They said I was responsible even though I did not receive goods or services. I am disputing the amount of XXXX $ and if need be will take citi bank to court for not protrecting my consumer rights and will stop payments on credit card until issue gets resolved. There was no reason for them to side with XXXX  XXXX  and XXXX when services where not renedered.Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
HELVEY is falsely reporting on my credit. I have never had any accounts with them. Per my research HELVEY 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
Fraud Privacy right violations Deceptive statements No reasonable way to communicate.

Denial of government programs due to discrimination.

Retaliation Inability to pay rejected on false premises.

Constant inaccurate reporting to the credit agencies.

Debt is inflated.

Paying as agreed corrected but missing 12 months were the payments so it is still inaccurate and should be removed from my credit profile. Delete immediately per consumer rights.

Demonizing behavior.

Rejection of civil rights.

Pain and suffering Financial abuse.

Lies to officials and to consumer.

Possible falsified documents.

History of corruption.

Much more that is not listed here. I need legal representation to defend myself from the manipulation and abuse from corporations like Navient. They are scapegoating me and causing financial risk that doesn't even exist. They are all manufacturing and in some cases purposely causing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: Block, Inc.
State: MS

Complaint narrative:
Cash App closed all of my accounts without providing a specific reason. The only explanation I received was an automated message stating : Your Cash App account was closed because of activity that goes against our Terms of Service. If you believe this is an error, you may be able to appeal this decision.

I followed the instructions provided and submitted multiple appeals through Cash App support. Despite these attempts, I have not received any response explaining what activity allegedly violated the Terms of Service, nor have I been given any details such as dates, transactions, or actions that led to the closure. 

The lack of transparency and failure to provide a clear explanation has prevented me from understanding or correcting the issue. This sudden closure has caused disruption because I relied on Cash App to send money to my children and to monitor and track their spending activity for safety and financial oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: NY

Complaint narrative:
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
At the beginning of XX/XX/year>2025, JP Morgan Chase bank closed my business checking account with my {$20000.00} in the account. My XXXX  company is XXXX XXXX. I've been waiting for five months for me to send a check, but they're still doing some kind of investigation. 
They don't name the date when it will end, they can't keep the funds indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year> I Made An Deposit For XXXX $ For XXXX XXXX XXXX XXXX I Later Found Out That The Owner Decided They Wasnt No Longer Going To Honor The Price That Was Locked Thru The Deposit And Decided To Cancel Service So I Requested A Refund. 
XXXX  XXXX Said They Where Going To Refund Me The Deposit Back, I Waited And Waited, Reminded Them Only To Come Back Later And See That Im Blocked. 
I Immediately Reported To Cashapp And Provided All The Documents Proving Whats Going On, I Even Added A Screen Recording Of The Situation And Explained The Situation. 
Cashapp denied Me Because They Said I Made The Transaction Which Is True But As I Stated In My Reason For Disputes Bar, I Made The Transaction As A Deposit. 

Cashapp Did Not Investigate My Case, They Didn't Review The Proof I Provided, They Immediately Denied Me And Been Giving Me A Run Around Since The Denial, They Say They Cant Do Anything Because The Appeal I Submitted Was Denied But The Reason For Denial Doesnt Match The Reason For Dispute, It Actually Has Nothing To Do With The Reason For Dispute Which Means They Did Not Complete An Actual Investigation, I Did consult With An Lawyer and They Referred Me Here As An Act Of Trying To solve This Matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

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 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Breach of Privacy. Info such as SSN #, address, phone number was leaked out by Capital One!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
I am disputing an apartment collection from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX being collected by National Credit Systems. I never received a final move-out statement or itemized bill. The amount being reported ( {$4000.00} ) is inaccurate I only recall owing approximately {$1200.00}. The collector verified this debt to XXXX  without providing me any validation or proof. I am requesting full documentation and deletion if they can not validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shepherd Outsourcing, LLC
State: WV

Complaint narrative:
I have spoken with them on the phone and my SS # and the SS # for the debt do not match. The name on the debt is also XXXX which is not my name. I have been told multiple times by them that I would stop being contacted regarding this debt as they agree that it is not mine. Last XXXX I filed a complaint with this agency regarding their repeated attempts to collect. ( Complaint ID- XXXX ) and that complaint was resolved by them assuring me they will no longer contact me. 

On both Monday XX/XX/XXXX at XXXX AM and Wednesday XX/XX/XXXX at XXXX AM I was contacted via text message via the number XXXX attempting to collect this debt. The message I received on the XXXX contained language with a sense of urgency stating they have a limited time to work with me regarding this debt before it is sent back to their client. 

The text says the Debt is a XXXX ( XXXX XXXX - for which the current creditor is XXXX XXXX XXXX ) account. The message is proclaimed to be coming from Shepard Outsourcing, a debt collector. They list License # XXXX I have received no physical mail or known phone calls about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cedars Business Services, LLC
State: IA

Complaint narrative:
CEDAR BUS SE is falsely reporting on my credit. I have never had any accounts with them. Per my research CEDAR BUS SE 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 explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Zip Co US Inc.
State: NC

Complaint narrative:
On XX/XX/year>, I used Zip to finance a purchase from XXXX XXXX XXXX for two LED silk fans totaling approximately {$80.00}. The order was expected to arrive between XXXX XXXX XXXX 
The item was never delivered, and no tracking information was ever provided. The order status has remained unchanged and shows no shipment activity. 

I contacted the merchant multiple times by email and phone requesting order status, tracking information, or cancellation. The merchant provided one brief response stating they would look into it and then became completely non-responsive.

I contacted Zip and opened disputes, submitting screenshots of the order, lack of shipment, my communications with the merchant, and call logs. 

Despite this documentation, Zip stated they could not resolve the issue and advised me to wait or resubmit disputes, while billing continued for an item never received. 

I am disputing continued billing for goods that were never delivered and for which the merchant is non-responsive. I am requesting that Zip stop billing and resolve this dispute, as charging for undelivered goods is not appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: MA

Complaint narrative:
I am writing to file a formal complaint against CITI BANK XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX On XX/XX/year> ; I filed the following transaction Dispute for a canceled XXXX purchase. 

I provided the bank with a proof that items were delivered back to the merchant. 

I also provided the bank with a message from the merchant confirming receipt of the merchandise. 

XXXX XXXX XXXXXXXX The bank, however, denied my claim stating that the merchandise still in my possession. 


Transaction Date : XX/XX/year> Dispute Date : XX/XX/year> Transaction Amount : {$1900.00} Merchant : XXXX XXXX Dispute Amount : {$1900.00} Dispute ID : XXXX I believe that this bank is biased against me and discriminating against me on the basis of perceived national origin, perceived religion, perceived race, and perceived ethnicity, Perceived religion : Individuals perceived to be part of a certain religious group are also protected from discrimination. 

This is particularly relevant for XXXX XXXX individuals, who may face religiously indiscriminate racialization or XXXX  from others who mistakenly perceive them as XXXX. 

Federal law protects individuals from discrimination based on actual or perceived religious affiliation or ethnic characteristics. 


Federal laws likeTitle VII of the Civil Rights Act of 1964andTitle VIprotect individuals from discrimination based on actual or perceived religion, shared ancestry, and ethnic characteristics in employment and federally funded programs, prohibiting bias in hiring, treatment, and services, even covering stereotypes and cultural practices linked to these traits, not just explicit religious/ethnic identity. 

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 monetary relief