vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
" In XXXX, I opened a service with 'Mailbox Forwarding. ' In XXXX, the service was terminated due to non-payment. I received written notice from the company in XXXX stating the account would be closed withinXX/XX/XXXX days. I have not used or had access to this service since XXXX. In early XXXX, I discovered a collection for {$7400.00} on my credit report from I.C. System, Inc. regarding this account. The collector has falsified the 'Date Opened ' as XXXX on my credit report, which is a clear case of 're-aging ' to bypass the XXXX federal reporting limit under the FCRA. I requested validation from the collector. They responded with internal invoices dated XXXX. I am disputing these as fraudulent and unconscionable. The original service was terminated over a decade ago ; the collector is attempting to 'revive ' an obsolete contract by generating new fees years after the service ended and the account was abandoned. I have provided proof of the XXXX termination to the credit bureau, but they 'verified " the XXXX date anyway. I am requesting a federal investigation into this illegal reporting of a XXXX debt as a 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 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally escalate a complaint regarding my Chime Credit Builder account, which was closed on XX/XX/year>. At the time my account was closed, my account contained money that I earned from working and had saved specifically to pay my rent and essential bills for XXXX. Because my account was closed and my funds were frozen, I have been placed in a serious financial hardship and am now behind on my rent due to not having access to my own money. When I initially contacted Chime customer service, I was informed that I would need to wait XX/XX/XXXXdays for a check to be mailed containing my remaining funds. However, as of today, it has already been XX/XX/XXXX days since my account was closed, and during my most recent conversation with customer service I was told that the check has not even been issued yet and there is no available date for when it will be issued. This means my funds are currently being held indefinitely without any clear timeline for release. Additionally, my experience with customer service has been extremely concerning. During several calls I made seeking assistance, representatives were dismissive and ended calls abruptly, including hanging up while I was trying to understand the status of my funds. As a customer who worked to earn and deposit this money, it is extremely distressing to be unable to access funds needed to pay basic living expenses. Because there has been no progress and no clear timeline provided, I am now in the process of filing formal complaints with the Consumer Financial Protection Bureau and other consumer protection agencies regarding the handling of my account closure and the withholding of my funds. I am requesting the following : Immediate issuance of the check containing my remaining funds Expedited mailing of the check so I can access my money as soon as possible Clear written confirmation of the date the check will be issued and mailed I simply need access to the money that belongs to me and that I worked to earn. I appreciate your prompt attention to resolving this matter as quickly as possible. Sincerely, XXXX XXXX My Credit Builder account was closed after I filed XX/XX/XXXX XXXXXX/XX/XXXX, which I understand. However, my earned funds are still being held and a check has not been issued after XX/XX/XXXX days, leaving me without access to money needed to pay my rent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-05 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: NY

Complaint narrative:
I have had a agreement with my mortgage company for hardship consultation and was approved.... I was then mailed a letter to " occupant '' that my home was being sold at auction XX/XX/XXXXdays after received the letter.. I was in the hospital for complications from XXXX and have been out of work for XXXX of the last XX/XX/XXXX months and currently have XXXX income. I was not ever notified that the hardship consultation was expired or did I receive any communication via currior or registered mail. I tried for XX/XX/XXXXdays to contact my mortgage company and i was either sent to voicemail or was told the office was closed when advertised hours on the statement showed that they should have been open. I finally got thru to the attitude handling the sale 3 days prior to sale date and was told I should send an email to a specific email address with the title urgent reinstatement quote. I did that immediately and did not hear anything for XX/XX/XXXX days. The day before the auction I received notification at XXXX p.m. I was not eligible for reinstatement due to the judgment being entered. That gave me no time whatsoever to talk to anybody or negotiate. The next day, the day of the auction, I contacted the auction company, the lender who is mortgage company shell point and the attorney handling the case and went around and around for XXXX hours prior to the auction. They delayed every possible response and by the time I was given the opportunity to submit a a request with Shell point for a reinstatement quote, it was past the auction time and they were not do anything more. The attitude of the XX/XX/XXXXXXXX XXXX and partners pllc was not only not helpful but intentionally slow so I wouldn't be able to do anything to stop the auction. This XX/XX/XXXXhas been sued in the past for improper procedures during forclosure and collection practices.

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 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Requested to close my account on XX/XX/XXXX through the PayPal app. The apps says there are pending transactions and to check my account. I checked my account and there are no pending transactions. Chatted with an agent on XX/XX/XXXX and the agent said there are technical difficulties preventing them from closing the account. I searched online and others have reported this same excuse for not having there account closed, going back XXXX or more years! My account meets the criteria for closure but PayPal refuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : I received a letter in the mail from you recently specifying that I owe your company or who ever your company represents for an alleged debt. The date of the letters is XXXX, the account number on the document is XXXX and the alleged amount owed is XXXX I am as a result of this requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws ( 12 CFR Part 1006 - PART 1006 / 15 U.S. Code 1692g ). If you need to please contact the creditor to obtain verification of this alleged debt. Also, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am at this moment instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. Your next contact with me should be to either notice that the creditor has failed to verify the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( XXXX ) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. Also, you may not contact me by phone at work or my home about this collection activity. All future correspondence should be sent to me in writing. Please acknowledge that you have received this notice within 14 days. Sincerely XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX 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 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
My co worker had my phone and state he was setting up an app for me. This individual Zelle {$2000.00} to his friends account. He star this was to send money into my AI account for trading online. I was not aware of this transaction and it was between a friend of a friend. I later did some extensive research and found out this trading app was part of a Ponzi scheme. It was a fraud website and app that acted like a crypto bot coin base but it was all fake AI. I did not know any of this until I saw the app downloaded into my phone and the money was sent via Zelle. I contacted my bank Wellsfargo and they denied my claim and did not stop the payment. Zelle now suspended my account and I cant use Zelle for other transfer and I am at a lost of {$2000.00}. Wellsfargo blamed Zelle and Zelle blamed Wellsfargo. I just want Zelle to reinstate my account so I can use Zelle for family again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 2026-03-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I am filing this complaint to request the immediate removal of my business from the MATCH list ( Reason Code XXXX : Violation of XXXX ). This listing was placed by PNC Bank and XXXX for my merchant account : XXXX following a two-year flawless processing relationship and is based on a fundamental mischaracterization of my products. When I opened my merchant account, I went through a rigorous underwriting and KYC process. PNC/Paysafe reviewed and approved my website, my business model, and the specific gaming hardware I was selling. I operated for XXXX years without a single violation. On XX/XX/year>, Paysafe abruptly closed my account, claiming that XXXX of my hardware products ( retro gaming consoles ) was an " emulator '' pre-loaded with illegal software. This is factually incorrect. My product is an empty hardware device. It does not come with software, games, or ROMs. Customers are responsible for sourcing their own legal software, exactly like any retail game console. Paysafe requested licensing documents for software that was not on the device. I explained this clearly, but they refused to listen. Despite my explanation, and the removal of the product entirely in good faith to maintain my relationship with Paysafe, the XXXX risk team gave me the cold shoulder, refused to respond and they terminated the account and blacklisted me on the MATCH list. They then completely limited my ability to issue refunds to customers after the account closure. They told me that I need to issue refunds outside of their platform. I had to risk writing checks, sending Zelles and wire transfers for returns and refunds with an extremely high risk some individuals would open a chargeback after that refund and get double their money back. The real proof that this listing was malicious rather than a " risk-based '' decision is documented in the billing harassment that followed. My account was closed with a settled {$0.00} balance. My final XX/XX/year> statement confirms I paid all remaining fees ( {$390.00} ) in full. Following this closure, Paysafe/PNC began XXXX series of unauthorized, aggressive ACH withdrawal attempts from my private business checking account : They started with smaller amounts ( {$190.00} ) that did not go through. They eventually attempted to withdraw {$110000.00} multiple times. This {$110000.00} figure is nearly the exact total of my entire annual sales volume. Attempting to " claw back '' a year 's worth of settled revenue for products already deliveredafter an account is closed at a XXXX balanceis predatory and potentially illegal. I believe this was done out of frustration after I argued with their risk team regarding the legitimacy of my product. These failed attempts have caused me significant ACH rejection fees and damaged my reputation with my primary bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " Federal - XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XX/XX/XXXX XXXX - XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted LexisNexis, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. LexisNexis, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section XXXX, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: AL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 2026-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I am submitting this complaint because a collection account has been incorrectly reported on my credit report. My legal name is ( ) The account listed above belongs to ( ), who is a different individual. While we previously shared the same address, we are XXXX separate people with different identities. The Social Security number and date of birth associated with the account do not match my information. I contacted the collection agency directly and explained the situation. During that conversation I was escalated to a supervisor who confirmed that the Social Security number and date of birth associated with the account do not match my information. I also submitted a dispute through Experian regarding this incorrect account. Despite these actions, the account continues to appear on my credit report. Additionally, the written correspondence sent to me by the collection agency is addressed to ( ), which further confirms that the account belongs to a different individual. This incorrect reporting has negatively impacted my credit score while I am currently in the process of closing on a home purchase. I respectfully request that this matter be investigated and that the incorrect account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I called this company in XXXX to inform that I had never done business with the creditor listed in my credit. This company confirmed that they have an inaccurate date of birth and address on file for me. They continue to report this on my credit and has never given me proof of the debt that does not exist on my behalf. I want this removed from all credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: HW Holding, Inc
State: GA

Complaint narrative:
Attempts to collect by phone/text, and email with incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Subject : Improper Monthly Maintenance Fees Wells Fargo Checking Account I am submitting this complaint regarding monthly maintenance fees charged to my Wells Fargo checking account after a change in the fee waiver requirements. For a long time my account met the requirements to avoid the monthly maintenance fee. Because the account had very little activity, I did not check it frequently. Recently, when I reviewed my account, I discovered that the fee waiver rules had changed and my account no longer met the updated requirements. As a result, Wells Fargo charged three monthly maintenance fees. I contacted Wells Fargo customer service and explained the situation. The representative agreed to refund two of the three fees as a courtesy, and informed me that the third fee refund would be submitted for approval. Immediately after that call, I transferred enough funds into my checking account to meet the new balance requirement in order to avoid any future fees. However, two weeks later I discovered the following : 1. The third monthly fee was not refunded. 2. Another monthly maintenance fee was charged even though I had already adjusted the balance to meet the updated requirement. I contacted Wells Fargo again to dispute these charges, but the bank refused to refund the remaining two fees. Given that : The fees resulted from a rule change that I was unaware of, Wells Fargo already acknowledged the issue by refunding two fees, I promptly corrected the balance requirement after the first call, I believe the remaining fees are unreasonable and should be refunded. I am requesting that Wells Fargo review this case and refund the remaining monthly maintenance fees. Thank you for your assistance in resolving 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