vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: FL

Complaint narrative:
My account was deactivated by XXXX with a {$5000.00} balance on XX/XX/year>, and my funds were placed on a 90-day hold. On XX/XX/XXXX, I received an email stating my funds would be deposited within XXXX business days. I ensured that my Truist business bank account was linked and verified on XXXX so the deposit would be seamless. I never received the funds. Since then, I have contacted XXXX multiple times by phone and email, including representatives XXXX and XXXX, and have been transferred between departments repeatedly. I have received conflicting instructions : XXXX first said the funds should have already reached my bank account, then on the same day said they were in my XXXX card balance and instructed me to deactivate the card, while XXXX instructed me to close my Square Checking account to release the funds. Because XXXX deactivated my account months ago, I do not have access to many of the areas required to follow their instructions. I requested the ACH trace number, exact date the funds were sent, and confirmation of the destination bank account, or reissuance if the funds were not sent or returned. My funds remain withheld well past the stated release date, causing financial and time-related impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I verified through the Illinois Department of Financial and Professional Regulation ( IDFPR ) that Absolute Resolutions is not licensed or registered to operate as a collection agency in Illinois ( No records found ).

Despite lacking required Illinois licensure, Absolute Resolutions has engaged in collection activity, including furnishing information to Experian and TransUnion, which constitutes continued collection activity.

I timely sent a written debt validation request pursuant to 15 U.S.C. 1692g ( b ). Absolute Resolutions failed to provide validation and nevertheless continued collection activity and credit reporting, in violation of 15 U.S.C. 1692g ( b ) and 1692e.

The continued furnishing of this tradeline by an unlicensed collector has resulted in inaccurate and unlawful credit reporting. Furnishing information without lawful authority or reasonable investigation violates 15 U.S.C. 1681s-2 ( a ), and the credit reporting agencies continued maintenance of this tradeline raises concerns under 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ).

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 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National credit systems is a collection agency I never did any business with. I have no connections with this company.. The claims are that I owe them XXXX. I tried to call the company but when I asked questions about my alleged debt. I was hung up on immediately. i don't know if my information is being sold or its identify theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
BridgeCrest is alleging I owe them a debt. I dispute this allegation. This is my first attempt at resolving this matter without the use of XXXX XXXX to have an injunction filed to put a stop to this abusive behavior. BridgeCrest is not due any money from me and furnishing such damaging information to the credit bureaus has caused me significant financial burden. If you do believe this debt is due provide me with the evidence that made you come to that conclusion. I accept no role assigned to me without full disclosure of the outcome of said role. Truth in Lending requires you to provide this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am filing a complaint regarding Navy Federal Credit Unions handling of my fraud dispute and appeal.

I reported unauthorized transactions and submitted a fraud claim in accordance with Navy Federals procedures. The claim was denied. I timely appealed the decision and provided additional supporting information.

Navy Federal has now denied the appeal, stating only that the claim was reviewed a second time and based on the facts of the investigation the denial stands.

Despite multiple written requests, Navy Federal has failed to provide any specific factual basis for the denial. They have not identified which transactions were determined to be authorized, what evidence was relied upon, or why my submitted information was deemed insufficient.

Their responses are conclusory and non-transparent, and repeated requests for transaction-specific findings and evidence have been met with generic language that effectively stonewalls any meaningful review. This lack of transparency obstructs the resolution of my dispute.

Additionally, NFCUs withholding of funds during the dispute process caused financial harm, including a late payment and potential impact on my credit. Their failure to address or mitigate these consequences further demonstrates noncompliance with proper procedures.

Under Regulation E, financial institutions are required to investigate unauthorized electronic transactions reasonably and provide evidence or reasoning. Navy Federals vague denials, lack of evidence, and failure to acknowledge financial harm represent a failure to follow proper procedures under Reg E.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Property Receivables, Corp
State: TX

Complaint narrative:
MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUES.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bridgecrest Acceptance Corporation
State: AK

Complaint narrative:
On XX/XX/year> Bridgecrest and I entered a voluntary surrender under the servicemembers ' Civil Relief Act. The company told me They would sell the vehicle and I would not be responsible for any additional payments as well as would delete the trade line from my credit report. This did not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: IL

Complaint narrative:
Moved out and took XXXX out of my name on XX/XX/XXXX at approximately XXXX XXXX They approached multiple times over the years each time I requested proof of debt and additional months charges dropped I'm not smart and didn't record those approaches in detail but never received proof of debt and was never contacted by the same agency twice. Skip forward to XX/XX/XXXX at approximately XXXX XXXX was approached by I.C System , INC. whom approached me on XXXX behalf I filed the same dispute I have for the last XXXX  years requesting proof of debt and extra charges dropped fast forward to today XX/XX/XXXX they without sending response to dispute filed it into past due collections on my credit report.

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 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
PROFESSIONAL DEBT MEDIATION XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Debt Validation Request Dear PROFESSIONAL DEBT MEDIATION I am writing to request validation of the debt associated with my account for the amount of {$2200.00} Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request this information. 

Please provide me with the following details : A copy of the original signed contract or application. 
The name and address of the original creditor. 
The date and amount of the original debt. 
A detailed accounting of the debt, including any fees or interest added. 
Proof that you are legally authorized to collect this debt. 
Bill of sale Flow Agreement Date of first delinquency Below are the details of the accounts in question : PROFESSIONAL DEBT MEDIATION : {$2200.00} Please treat this letter as a formal request for full validation of the debt. Until you provide me with the requested documentation, I will consider this debt to be disputed and request that you cease any collection activities. 
Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: IL

Complaint narrative:
Product : Auto loan or lease Issue : Trouble with payments/ Refund not received I made XXXX payments in error to Mercedes-Benz Financial in XXXX and XX/XX/year> for an account that was closed approximately XXXX years ago and is no longer serviced by MBFS. 

Mercedes-Benz Financial returned XXXX of the XXXX payments on XX/XX/year>, confirming receipt of the funds. MBFS has failed to return the second payment and now claims it can not locate the account, payment, or processing facility.

MBFS has possession of funds paid in error to a non-existent account and has no legal basis to retain them. I have provided proof of payment and proof of the prior refund.

I am requesting that MBFS conduct a formal payment trace/unapplied funds search and immediately refund the remaining payment. Failure to do so constitutes unjust enrichment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am disputing a collection account being reported by NATIONAL CREDIT SYSTEMS INC for {$4500.00} related to a former apartment rental. The unit was uninhabitable due to a documented mouse infestation, which the landlord failed to remediate despite notice. 

I disputed this account with the credit bureaus, but the dispute was denied without meaningful verification. The collection agency has failed to provide adequate validation that the debt is legally owed, especially in light of the landlords breach of the warranty of habitability. I can provide documentation showing notice to the landlord and the ongoing infestation. 

I am requesting that the collection agency remove the account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
Cash App on XXXX {$100.00} took for XXXX {$300.00} took for XXXX {$360.00} took for XXXX {$17.00} from my savings took for XXXX I did not approve any of the XXXX transactions. All my cash app balance was cleaned out and now Id like to get it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/year>, I signed a retail installment contract and took authorized spot delivery of a vehicle from the dealership. As part of this transaction, I traded in my prior vehicle, which the dealership accepted and retained as consideration for the purchase. 

I took delivery in good faith, insured the vehicle, and used it normally. Approximately XXXX  days after the spot delivery, the dealership contacted me and stated that I needed to sign financing paperwork with a different bank. The dealership then attempted to place me in a different vehicle and demanded an additional {$3000.00} down payment, while claiming the original contract was null and void. 

Despite declaring the original contract void, the dealership has refused to provide any documentation, including copies of the original contract, any lender denial, any notice of financing failure, or any revised financing terms. 

The dealership escalated the situation by making threats, including statements that I could be charged with vehicle theft, that they would cancel my vehicle registration/tag, come find me, and repossess the vehicle if I did not comply with their demands. 

My possession of the vehicle was authorized at delivery, and there was no fraud, concealment, or unauthorized taking. This is a civil financing dispute, not a criminal matter. Threatening criminal charges, law enforcement involvement, tag cancellation, location tracking, and repossessionwhile refusing to provide documentationconstitutes unfair, deceptive, and abusive acts and practices. 

Additionally, because my trade-in vehicle was surrendered and retained by the dealership, the refusal to unwind the transaction transparently or provide documentation exposes me to substantial financial harm. 

I am requesting regulatory intervention to require the dealership and any associated finance company to cease all unlawful threats, produce all transaction and trade-in documents, and resolve this matter using lawful civil procedures only.

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 2026-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: DE

Complaint narrative:
I have requested in writing, on XXXX separate occasions, for Mohela to provide me with my full account ledger. I have asked very specifically for monthly account statements which distinguishes both my principal balance and my interest balance. XXXX does not have this information accessible in full via the website nor do they provide this each year. Despite my very specific requests- they only provide partial information such as payment history or current account information. It's unreasonable for me to have requested this XXXX times in writing and to not receive the information I am asking for. I have also highlighted to them, that by refusing to give me this information- they are in violation of their contract with the Department of Education. They are also violating the Student Loan Borrower Bill of Rights, and they still do not provide me with the information I am requesting. I am asking the CFPB to assist with holding Mohela accountable to comply.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In XXXX while I was renting a house, my personal identifying documents were stolen from the residence. 
The stolen items included my Social Security card and my birth certificate. 
After the theft, i began receiving notices of accounts and credit activity that I did not apply for or authorize. [ believe my personal information was used without my consent to open these accounts. I included the notification that my ssn and emails were compromised around that time also to show what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MO

Complaint narrative:
Account XXXX XXXXXXXX XXXX XXXXXXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail with receipt displaying my signature. If not, please delete account XXXX XXXXXXXXas soon as possible from my report or i will have to take legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX, I called Wells Fargo to close my account. There was a pending debit card dispute at the time. On XX/XX/XXXX, they arbitrarily closed the account with funds still in it. 

Rather than putting the money into my savings account, they mailed me a cashier 's check for {$450.00}. The cashier 's check was due to arrive on XX/XX/XXXX according to XXXX informed delivery. As of XX/XX/XXXX it is still not here. XXXX says it's lost. 

I've spent hours on the phone and in branch with Wells Fargo and they won't re issue the check that shouldn't have been issued to begin with, because it hasn't been lost long enough yet. I've been deceived and have been told different information from everyone I've talked to. 

I just want my money

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 2026-01-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
Columbia Debt Recovery-Genesis posted a false payment to the account before the account was verified to be associated to me via dispute. Columbia started charging an excessive amount interest on the account prior to establishing that it was my debt. Columbia as refused to make payments over the phone and Columbia refused to make any payment arrangements with me except for paying the full amount on the spot. Later more interest was added to the amount and the email included an offer to settle the account with XXXX % off. I believe a warning letter should be sent to Columbia from the cfpb that they are using pressure tactics and refusing to make payment arrangements that are not excessive?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: WA

Complaint narrative:
On XX/XX/year> my cashapp account was frozen and then later closed and for XXXX now they will not give me a reason why I can not withdraw my funds {$10000.00} I have called about XXXX and they refuse to give me any information ive also emailed them with same results

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I made a {$500.00} XXXX transfer from my Bank of America checking account to my XXXX checking account on XX/XX/year>. I got the message that my payment is under review. It has been almost XXXX weeks and no changes. Money is gone from my Bank of America Account and it is not in the XXXX. My wife called Bank of America XXXX  times and they are just saying that the transaction is under review and we will be informed once review is completed. We have done transfers to this account previously, even XXXX transfer of {$100.00} few days later.

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 2026-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
XXXX XXXX XXXX- I am writing this letter to inquire about what happened to the {$1600.00} that I made to escrow with my XXXX payment. On XX/XX/XXXX I made a total payment of {$5500.00}. The payment that I made on XX/XX/XXXX was for the XXXX mortgage amount due in the amount of {$3800.00} plus an escrow payment in the amount of {$1600.00}. 

In addition, both I and XXXX XXXX advised that the new policy which took effect on XX/XX/XXXX was already paid in full directly from me before XXXX XXXX XXXX  was notified of the policy change. It now appears that XXXX XXXX XXXX  still sent payment on XX/XX/XXXX and left a negative escrow balance on my account but failed to apply my escrow payment in the amount of {$1600.00}. Where did my {$1600.00} escrow payment go? 

While I wait for my refund from XXXX XXXX due to double payment, I am asking the XXXX XXXX XXXX to correct the errors made on my escrow account. The fact is a total of {$2900.00} was deposited to my escrow account on XX/XX/XXXX. The breakdown of that is the {$1300.00} that is automatically within my mortgage payment and the additional {$1600.00} that I made in addition to my mortgage payment on XX/XX/XXXX. 

Now, due to the fact that XXXX XXXX XXXX sent a payment for an already paid in full policy, the correct balance that should currently be reflected in my escrow account is {$530.00}. Not the - {$1100.00} that is currently reflected. This is inaccurate bookkeeping and a display of incompetence within the escrow department. 

Where did my {$1600.00} escrow payment made on XX/XX/XXXX go? 

On XX/XX/XXXX I decided to pay XXXX XXXX directly and in full to avoid an inaccurate escrow analysis. I have requested an escrow analysis a few times now because my taxes have decreased. If you were to do an escrow analysis now it would not be accurate. I am looking for XXXX  XXXX XXXX XXXX to correct the errors you have made. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation