vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Abra
State: CA

Complaint narrative:
I held XXXX ( XXXX ) in my XXXX Abra app account prior to Abras XXXX service wind-down in XX/XX/year>. 

During the notification and withdrawal period in XXXX I was XXXX and therefore unable to access my email, mobile device, or the Abra app. As a result, I did not receive or could not act on Abras withdrawal notices at that time. 

After my release, I logged into the Abra app using valid credentials and confirmed that my XXXX balance is still visible in the app. However, I am unable to withdraw or transfer my funds to an external wallet. 

I contacted Abra multiple times requesting information and assistance on how to withdraw my existing funds and explained the hardship circumstances that prevented timely access. Abra has refused to provide a withdrawal method and has stated that my funds are considered forfeited, despite the balance still being visible and my ability to authenticate. 

I am not requesting reinstatement of services or trading. I am only requesting the release of my existing XXXX funds to an external wallet. Abra has not provided instructions or a process to access my funds.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed my EQUIFAX credit report and discovered multiple accounts that are inaccurate, unauthorized, and the direct result of identity theft. These accounts were not opened, authorized, or incurred by me, yet EQUIFAX continues to report them as valid. 

The inaccurate accounts include, but are not limited to : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX all of which are being reported with balances and dates I dispute as fraudulent. 

I have been a victim of multiple documented data breaches, including Equifax , XXXX, XXXX, XXXX, and XXXX, which compromised my personal identifying information. I have submitted sufficient proof of identity theft, including an Identity Theft Affidavit, court affidavit, government-issued identification, Social Security documentation , credit report screenshots verifying the inaccuracies, and evidence of the data breaches.

Pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ), EQUIFAX is required to maintain reasonable procedures to ensure maximum possible accuracy. Additionally, under 15 U.S.C. 1681c-2 ( FCRA 605B ), EQUIFAX is legally required to immediately block identity-theft-related information upon receipt of proper documentation. EQUIFAX continued reporting of these accounts constitutes a violation of federal law.

I am formally demanding the immediate blocking and permanent deletion of all identity-theft-related accounts listed above and written confirmation of compliance. Failure to correct these violations may result in further regulatory and legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SOUTHSTATE BANK CORPORATION
State: AL

Complaint narrative:
SouthState Bank reported a 30-day late payment in XX/XX/year>. I made and authorized a payment of {$1600.00} on XX/XX/year>, which the bank accepted and confirmed. SouthState later claimed the payment amount changed to {$1700.00}, but I was never provided written notice of any change prior to the due date. 

Reporting a delinquency under these facts is inaccurate and violates FCRA 1681e ( b ), 1681i, and 1681s-2. I am requesting a reinvestigation and deletion of the 30-day late if accuracy can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to dispute a collection account from EXPERIAN that is being reported on my credit file, which I do not recognize. XXXX XXXX # XXXX date opened was XX/XX/XXXX and XXXX XXXX XXXX # XXXX date opened was XX/XX/XXXX, these are the accounts I do not recognize, I have no knowledge of these accounts and did not authorize any party to report it. I contacted the collection agency asking for the proper validation but they did not provide me. The reporting of these accounts violates 15 U.S.C. 1681b, which prohibits the reporting of accounts without permissible purpose and my authorization. This also violates 15 U.S.C 1681e ( b ) for reporting an unverified information that takes away the maximum possible accuracy of the report. This unrecognized collection account is severely affecting my credit score and is lowering my chances of being approved for loan applications. I request immediate investigation into this matter and the removal of this unrecognized collection account from my credit report. Please provide written confirmation once this has been resolved. 
Thank you for your 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 2026-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PatientFi, Inc.
State: OH

Complaint narrative:
I am a documented victim of identity theft. I submitted identity theft reports and supporting documentation to PatientFi and related parties regarding a fraudulent PatientFi Installment Contract allegedly opened on or around XX/XX/year> under XXXX XXXX XXXX. 

Despite receiving identity theft documentation, instead of blocking, deleting, and ceasing collection as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the account was transferred to another entity, XXXX XXXX XXXX XXXXXXXX XXXX which is now attempting to collect the same fraudulent debt. 

I did not open this account. 
I did not authorize this account. 
I did not benefit from this account. 

This conduct is a direct violation of federal law. Once a company receives an identity theft report, they are required to : Block the account from credit reporting Cease collection activity Not sell, transfer, or assign the debt Instead, the account was transferred to a new collector and collection efforts continue. 

XXXX XXXX PatientFi, and XXXX XXXX XXXX are attempting to collect and/or report a debt they have been notified is the result of identity theft. This is willful noncompliance with the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Netspend Corporation
State: SC

Complaint narrative:
I received a Netspend card that I did not request. It's my first name, maiden name and my correct mailing address.

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 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate and inconsistent credit reporting related to 2 LVNV Funding COLLECTIONS The account/coLLection with 2 LVNV Funding has already been removed from both XXXX  and XXXX  after disputes were submitted and reviewed. However, XXXX  continues to report the same connection, even though the other two credit bureaus determined it did not meet reporting or verification standards. 
This creates conflicting credit data across the credit bureaus and is inaccurate. If this information was verified and valid, it would still be reporting on XXXX  and XXXX  but it is not. XXXX continued reporting of this association is misleading and damaging to my credit profile. 
I have made efforts to resolve this directly, but the issue remains. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report accurate, complete, and verifiable information, and to correct or remove information that can not be properly verified. 

SINCE I CANT PUT BOTH ACCOUNT NUMBERS HERE THEY ARE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am disputing inaccurate information being reported on my consumer credit report. I previously submitted disputes directly to the credit reporting agency, but the inaccurate information has not been corrected. I am requesting a proper investigation and correction or removal of the disputed accounts.

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 2026-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: VA

Complaint narrative:
On XX/XX/XXXX, I reviewed my Mohela account to determine if XX/XX/XXXX and XX/XX/XXXX payment was reflecting accurately. My account showed that there was no current payment due and XX/XX/XXXX and XX/XX/XXXX payment was received. On the same date ( XX/XX/XXXX ), I contacted Mohela to inquire if my account was on a forbearance and if XX/XX/XXXX, payment was scheduled to be taken out of my bank account. I was informed by the Mohela representative that the account was not on a forbearance, and that XX/XX/XXXX payment was scheduled to be taken out although the account reflected that there is no accurate total due. On XX/XX/XXXX, I noticed correspondence from Mohela indicating that a forbearance has been approved and forbearance dates have changed. I contacted a Mohela representative on the same date ( XX/XX/XXXX ) inquiring about the XXXX correspondence letters I received. I was informed that a " general forbearance '' was placed on my account on XX/XX/XXXX to resolve payment issues for XX/XX/XXXX and XX/XX/XXXX. It is important to note that I did not request, nor did I authorize a " general forbearance ''. I was scheduled to restart payments on my student loans on XX/XX/XXXX and since XX/XX/XXXX, auto pay of {$280.00} has been taken from my bank account. The Mohela representative " escalated '' a request for the reapplication of payments and to resolve the monthly payment required amount which a " task number '' was provided XXXX. The Mohela representative also " escalated '' a request for the removal of the general forbearance, and the task number is XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I moved out of the rental property and did not receive proper written notice of the final bill before the account was sent to collections. Any mailed notice was sent to my former address after move-out when I no longer had mailbox access. I was not contacted by phone and was not given notice of my right to dispute before collection activity began. I requested documentation and proof of delivery from the creditor and collection agency, but the issue was not resolved. The debt was reported to credit bureaus without proper notice.

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 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I mailed a formal written dispute to Early Warning Services regarding inaccurate banking information being reported under my name that is preventing me from opening a checking account. The letter included full identifying information and a sworn statement explaining the situation. 

XXXX  has already confirmed there is no negative information reported under my name. XXXX XXXX XXXX is the only system still reporting inaccurate information. 

XXXX has failed to respond within the required time after receiving my certified dispute letter. Their failure to investigate and respond is causing ongoing financial hardship by preventing me from accessing basic banking services. 

I am requesting immediate investigation, written verification of any reported information, and removal of any inaccurate or unverifiable entries from my consumer file.

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 2026-01-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I leased a XXXX XXXX XXXX XXXX through Ally Financial under a lease dated XX/XX/XXXX, with a 48-month term that concluded around XX/XX/XXXX. After the scheduled end of the lease and return of the vehicle, Ally assessed an end-of-lease balance related to alleged excess wear, damage, and/or mileage. 

When I was informed that a vehicle pickup order had been issued, I requested documentation supporting any end-of-lease charges. Specifically, I asked for the inspection report, photographs of any alleged damage, excess mileage calculations, and an explanation of how the charges were authorized under the lease agreement. 

Ally did not provide this information. Despite my request and the ongoing dispute, Ally reported and later re-reported the disputed balance to the credit bureaus without providing validation or evidence that the charges were accurate or properly assessed under the lease. 

Reporting this disputed and unverified balance has caused harm to my credit profile. I am requesting that Ally either provide full validation of the end-of-lease charges or remove the balance and correct any related credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Hello I have attached a police report for identity theft from XXXX XXXX date opened XX/XX/year> amount of Debt {$130.00}

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 2026-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: CA

Complaint narrative:
I am filing this new complaint because Big Picture Loans has now escalated their misconduct and provided blatantly misleading information after responding to my prior CFPB complaint. 

In their official CFPB response dated XX/XX/year>, Big Picture stated that they were willing to settle my account for {$2100.00} and that a representative would contact me with the terms of the settlement. This representation to the CFPB created the reasonable expectation of a legitimate, reduced hardship settlement that reflects the payments I have already made ( {$1700.00} toward a {$2000.00} loan ).

However, immediately after that, on XX/XX/year>, I received an email from them which completely contradicts their CFPB response. Instead of providing the settlement terms referenced to the CFPB, she sent a misleading document falsely labeled as a Settlement Offer that was nothing more than a disguised payment plan. The letter demanded SIX payments of {$260.00} ( over {$1500.00} total ), whichwhen added to what I have already paidwould force me to pay nearly {$4000.00} on a {$2000.00} loan. This is neither a hardship consideration nor a settlement. It is deceptive, predatory, and intentionally misleading.

This conduct appears to be a direct attempt to misrepresent their actions to the CFPB while providing me with conflicting, inflated, and harmful information off-record. Their written communication is evasive, contradictory, and does not match what they told the Bureau. This behavior constitutes bad-faith servicing and a failure to provide honest, transparent, and consistent information as required under federal consumer protection standards.

Big Picture Loans is stonewalling, misrepresenting material facts, ignoring my hardship request, and attempting to pass off an inflated repayment schedule as a settlement. This is a NEW violation and a NEW issue separate from my original complaint, as it occurred after their CFPB response and directly contradicts it.

I am requesting immediate regulatory review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ACIMA CREDIT, LLC
State: AL

Complaint narrative:
On XX/XX/year> I received a call stating the representative calling was a lawyer and asking did I receive the legal paperwork that was sent. 

XXXX is the unknown ( Acima is the company they were referring too ) When I returned the call she stated that the agent that reached out didnt actually work for the law firm and wasn't a lawyer. However it was on behalf of Acima to try to collect a debt. 

I tried to settle the debt owed and she did not accept my payment arrangement. 
The agent stated I would have to take up with the lawyer. This is false misrepresentation and the best resolution now is to write off the delinquent balance before pursuing legal actions for impersonating a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: GA

Complaint narrative:
I previously used my debit card with this merchant for legitimate transactions related to hairstyling services. However, the transaction currently in dispute was not authorized and differs materially from any prior payments. 

Specifically, I paid a deposit for a scheduled appointment. The merchant canceled the appointment, and I subsequently requested and received a reversal of that deposit through my bank. After this reversal was completed, the merchant later charged my card again without my knowledge, permission, or authorization, and without providing any services. 

I did not approve this charge, did not authorize the merchant to reuse my card information, and did not enter into any agreement allowing a subsequent charge after the appointment was canceled. Prior legitimate transactions do not constitute ongoing authorization for future charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: WI

Complaint narrative:
I completed a XXXX XXXX XXXX XXXX XXXX that listed several XXXX XXXX XXXX of dollars for XXXX  XXXX. The debt was listed as unsecured and included in my XXXX. Navient never paid off the amount listed in my satisfaction report. Since my loans have moved to XXXX and they " know nothing about that. '' While I understand student loans for not generally get written off in XXXX, mine were listed as creating undo hardship and WERE part of my XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Prohealth Care, Inc
State: CT

Complaint narrative:
I thought I paid all my medical debts. I got a letter that states that I only paid a small amount of the bill. Which doesn't sound like something that I would normally do. Also received a letter from XXXX XXXX stating XXXX or more of my claims are being paid incorrectly. So I would like to know what I need to pay. Please let me know One Letter XXXX XX/XX/XXXX, {$32.00}, and I paid {$20.00} debt now {$11.00} XXXX XXXX XXXX XX/XX/XXXX, {$30.00}, and paid {$25.00}, debt now {$4.00} Third Letter XXXX XX/XX/XXXX, {$30.00}, and paid {$25.00}, debt now {$4.00} None of these makes sense. Why would I only pay a small portion and a weird amount? 
XXXX  letter XX/XX/XXXX, stating claims are being paid incorrectly by either them or me.

Company response to consumer: Untimely response