vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 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: CO

Complaint narrative:
On XX/XX/year>, a friend of mine transfered {$930.00} to a CashApp account of mine that was XXXX for unknown reasons by CashApp. It was not until I attempted to checky balance for his transfer that I discovered the the account was " unrecoverable or no longer in existence. '' Over the next XXXX hours and used the customer service chat and called their customer service repeatedly attempting to get the funds recovered, and was told repeatedly that they were accessible, but continuously the transfers were refused without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/year>, I discovered that my financial account with Chime Financial , Inc. had been compromised and used without my authorization. XXXX unauthorized peer-to-peer electronic funds transfers were sent to an individual that I do not recognize at approximately XXXX PM on XXXX XXXX. A transfer of {$450.00} & {$100.00} in total {$550.00} was stolen from my chime account. I did not authorize, approve, or initiate these transactions, nor do I recognize the recipient. I believe my account information was accessed fraudulently. Immediately upon discovering the unauthorized activity, I contacted Chime and filed a fraud dispute. Chime confirmed that an investigation was open for the unauthorized electronic funds transfers. A police report has also been filed with the XXXX Police Department XXXX XXXX ) for documentation purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Commenity bank Credit card company asked if I wanted to go paperless, I agreed. They failed to send me an email bill in time to make payment. 

My record for paying is a matter of record. They send me a bill I pay it off in full. 

They did send me an email when I didnt make a payment ( because they didnt send me the paperless bill ( email ) ). The email stated my payment is {$54.00}. I knew this was wrong and called them. 

The CSR stated it was their policy to not notify the customer when a bill is due. 

To recap they wanted me to change to paperless but they didnt send a bill until the billing period was over and they charged me fees and interest. Their deceptive tactic to get me to pay their fees and interest is wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
My checking and savings account were placed on hold on XXXX XXXX. I have approximately {$94000.00} between both accounts. Ive contacted Huntington Bank on numerous occasions to find out the reason why and the timeframe the review process will take. Its been over two months now and I have yet to receive any information from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: FL

Complaint narrative:
I am filing this complaint regarding Fast Fund Lending ( FFL ) On XX/XX/XXXX, a payment was debited from my account in error. This disrupted my finances and caused problems with my upcoming payments. I contacted FFL, and the payment was refunded in full ( {$88.00} ). 

Because of this error, my original payment on XX/XX/XXXX, was moved to XX/XX/XXXX, and then to XX/XX/XXXX. 

On Monday, XX/XX/XXXX, I requested to move the payment to XX/XX/XXXX, and the agent said it was approved. 

On Friday, XX/XX/XXXX, an agent reached out to inform me that the payment I had moved from XX/XX/XXXX through XX/XX/XXXX was denied. I am extremely frustrated that they waited until the last minute to notify me, even though I had relied on the earlier approval. 

During this process, the agent revoked my ACH authorization and placed my account on Do Not Contact.

As a result of these events, errors, and last-minute denial, I can not continue making these payments.

I am submitting this complaint to document the mismanagement, lack of clear communication, system failures, and financial disruption caused by these events.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Allied Consulting Services LLC
State: WY

Complaint narrative:
I receive repeated calls regarding the collection of a debt by a single named individual. I have explained over and over that I am not the individual that they are looking for, if there is a human on the line and not a computer call. I have repeatedly called back the provided number if I received a computer generated call so that I may speak with a human. I have explained repeatedly that this is not the individual they are looking for. I have found the people at the collection company to always acknowledge that my number would be removed, but the calls never stop. There seems to be more than one company that calls - many do not identify themselves. However, one company does, and that is the one that I am contacting you about today. I am hoping that I can regain some peace. I have had this number for about two years, and the calls are interfering with work, volunteer fire department work, and private life. It really needs to stop. I am not the person they are looking for. This is wasting both our times, costing me time and money, and is not going to accomplish whatever they are hoping to accomplish. 

These erroneous collection calls are made from various numbers, but have included : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The number that is most often ( but not always given ) to respond to is : XXXX XXXX, XXXX. This is the number that is asked to respond to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
NATIONAL CREDIT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT 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 response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: PA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint and dispute to request investigation and enforcement action regarding violations of federal consumer protection laws by the company identified as Source Receivables Management Company Address is XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX the Phone Number is XXXX the Account Number is XXXX the basis of my Complaint disputes the accuracy, legality, and handling of the above-referenced account. Source Receivables Management has failed to comply with multiple provisions of federal law, including but not limited to the following:1. Violation of 12 CFR 1006.34 ( b ) ( 5 ) The company failed to provide clear and conspicuous disclosures regarding my dispute rights and the information required to evaluate the validity of the alleged debt. The validation information provided was incomplete, misleading, or not provided at all.2. Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The company failed to properly disclose the itemization date and required itemization details necessary for me to understand how the alleged debt was calculated. This failure prevented meaningful review and validation of the debt.3. Violation of 12 CFR 1006.34 ( d ) After I disputed the debt, the company failed to properly respond with the required verification and/or continued collection activity without first validating the debt, in direct violation of Regulation F.4. Violation of 15 U.S.C. 1681s-2 ( a ) ( 7 ) The company failed to conduct a reasonable investigation of my dispute and failed to provide accurate and complete information to consumer reporting agencies. Despite receiving notice of my dispute, inaccurate and unverified information continues to be reported, causing harm to my credit profile.Harm Caused As a result of these violations, I have suffered financial and reputational harm, including inaccurate credit reporting, emotional distress, and loss of access to fair credit opportunities. Requested ResolutionI respectfully request that the Consumer Financial Protection Bureau Source Receivables Management for compliance with federal law Require correction or deletion of any inaccurate or unverified information Requires the company to cease unlawful collection and reporting practices Ensure full compliance with all applicable federal statutes and regulations I certify that the information provided in this complaint is accurate to the best of my knowledge. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This complaint is submitted to EXPERIAN regarding inaccurate, erroneous, and incomplete information currently appearing on my consumer credit report. Under U.S. Federal Law, including the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), and applicable Florida state consumer protection laws, consumer reporting agencies are required to maintain maximum possible accuracy. Upon careful review of my credit file, I have identified accounts that are being reported in a manner that violates the FCRA and Florida law by misrepresenting payment history and failing to reflect accurate account status. I am formally disputing these inaccuracies and demanding a lawful reinvestigation. 

With respect to the XXXX account number XXXX, opened on XX/XX/XXXX, with a reported balance of {$2700.00}, EXPERIAN is reporting late payments that are inaccurate and misleading. I was not late on this account in XX/XX/XXXX, and the reporting fails to meet the accuracy requirements mandated under 15 U.S.C. 1681e ( b ) and 1681i of the FCRA, as well as Florida state law governing fair credit reporting practices. Pursuant to 15 U.S.C. 1681g, I demand that EXPERIAN provide a complete and detailed description of the procedures used to verify the legitimacy of this account, including the name and address of each person or entity contacted during the investigation. Failure to fully comply with these federal and state legal obligations requires the immediate deletion of this account from my credit report. 

Additionally, the XXXX XXXX  account number XXXX, opened on XX/XX/XXXX, with a reported balance of {$8400.00}, is being reported inaccurately by EXPERIAN. I was never late on this account during XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX, yet delinquent payment history is being displayed. This constitutes a violation of the Fair Credit Reporting Act under 15 U.S.C. 1681e ( b ), 1681i, and 1681g, as well as violations of Florida state law requiring accurate and fair consumer reporting. I demand written disclosure of the verification methods used, along with the names and addresses of all parties contacted in the reinvestigation process. If EXPERIAN can not lawfully verify this information as required by federal and state law, this account must be permanently deleted from my credit 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 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Self Financial Inc.
State: MI

Complaint narrative:
I have charges on my credit card account from XXXX multiple times starting on XX/XX/XXXX and every month since then for {$17.00}. I dispute them got my money back for the first 4 transactions then It happens again. I even got a new credit card and they did it again. I dont even have a XXXX or a subscription with them they keep talking my money. 
Total of {$71.00} every month

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
I requested mortgage forbearance by phone on XX/XX/XXXX through a customer representative. During that call I was told that a forbearance option was not available and that only a repayment plan could be offered. Concerned about this information, I submitted a written request on XX/XX/XXXX asking the company to evaluate a forbearance plan because the mortgage is owned by XXXX XXXX and I qualify for hardship relief under XXXX XXXX and related May eligibility rules. I have received no response to this written request nor any email for the rocket mortgage management. 

The company has not acknowledged my forbearance inquiry, has not provided an evaluation, and has continued to steer me toward repayment rather than the payment-pause relief allowed by the investor. As of XX/XX/XXXX to XX/XX/XXXX, my communications remain unanswered and the account is at risk of becoming delinquent without access to the loss-mitigation program I asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
Our mortgage was taken over by another mortgage company, Lakeview Loan Servicing some time in XXXX. Previously owned by XXXX We called sometime in XXXX trying to find the reason but have been given the run around. Since they have taken over, our payments hadnt gone through, we didnt know and have tried to fix this. 
We sent a XXXX XXXX requesting they stop foreclosure which was set XXXX XXXX and find the error in which our payment were never sent. The XXXX letter was delivered XX/XX/XXXX sent through XXXX XXXX XXXX They have requested a reinstatement and we havent been able to come up with the amount. 

No information has been given about where the money weve been paying has gone nor have they been timely with contacting us about it. They are now past the QWR date for answering what happened to our missing payments We have tried to pay the mortgage currently to keep up with it but they will not allow us to pay it until weve reinstated and keep increasing the amount. 

We were doing fine before we noticed the issue, please help us. 

My mother is older and has trouble with keeping up with the changes so when this happened it was hard to fix it swiftly while coming up with the amount. 

Ive attached the current reinstatement amount which has gone up as well as part of the XXXX XXXX sent

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I am submitting this complaint regarding Resurgent / LVNV Funding, who has been contacting me regarding an alleged debt that I do not owe. I never authorized or incurred this debt, nor did I enter into any agreement with Resurgent, LVNV, or the original creditor.

Despite my lack of consent and proper authorization, Resurgent / LVNV Funding has continued to contact me through phone calls, letters, and electronic communications in an attempt to collect this debt. These communications are improper and unauthorized, constituting a violation of 15 U.S.C. 1692c, which prohibits debt collectors from communicating with a consumer at unusual times or places, or after being notified that the communication is disputed or unauthorized.

Harm Caused Repeated, unauthorized collection attempts causing emotional distress and inconvenience Potential risk to my credit standing due to reporting of a debt that is not mine Violation of my federal consumer rights under the Fair Debt Collection Practices Act ( FDCPA )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: GA

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA 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 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

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 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have been unable to access my online banking account either through any browser or via PNC 's online banking app. I've contacted PNC Bank multiple times over the last XXXX  days. I was told they are aware of there is a problem and the problem has been escalated, however, they have not been able to determine the reason for the problem or provide a timeline to fix it. 

PNC Bank has assigned XXXX XXXX to the case. I've been in contact with him multiple times. He was unable to provide a timeline to fix the problem. His contact information is as follows : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation