vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergys
State: VA

Complaint narrative:
Validation of Debt Request - XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
ON XX/XX/XXXX or around that time i had put in a request for a credit card even ask to speak with the underwriter and Underwriter had disclose to me they are obligated to pull my account and said I just need to pay OFF my stuff, I would not have been declined and it would not be on my credit report. under XXXX XXXX XXXX discloses that do not provide to Non affiliated and under XXXX XXXX 1681 ( b ) Obligation and Respect Closure of Information and must have permission and do not suppose to share information under Fair Credit Report Act and XXXX CFR 313 f, 15 USC 6801-6805, 16 CFR 313.1, 313.7. I have been violated, suffering and my business has be on halt I am a trustee of my Estate, and Started a Ministry/Non Profit it is keeping me moving forward behind hardship and illegal activities, and as I see as of XX/XX/XXXX they remove Arbitration clauses and have new terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: MA

Complaint narrative:
Company Being Reported : XXXX XXXX XXXX XXXX Subject : Formal Dispute and Request for Debt Validation Under Federal Law I am submitting this complaint to formally dispute a collection account reported by XXXX XXXX XXXX XXXX on my credit report. I am requesting a full investigation and proper validation of this alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, a consumer has the right to request validation of a debt. I have not received adequate documentation verifying that this debt is valid or that XXXX XXXX XXXX XXXX has the legal authority to collect it. Additionally, the continued reporting of an unverified or inaccurate account may constitute a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), which requires furnishers of information to provide accurate information and to conduct a reasonable investigation when a dispute is filed. At this time, I dispute the validity, ownership, and accuracy of this alleged debt. I am requesting that XXXX XXXX XXXX XXXX provide the following documentation as required under federal consumer protection laws : The name and address of the original creditor A copy of the original signed contract or agreement showing that I am legally responsible for the alleged debt Documentation showing the full payment history and how the balance was calculated Proof that XXXX XXXX XXXX XXXX has the legal authority to collect this debt, including documentation of assignment or purchase of the debt Proof that this debt was reported in compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) If XXXX XXXX XXXX XXXX can not provide sufficient documentation validating this debt, I respectfully request that this account be immediately removed from my credit reports with all consumer reporting agencies. Furthermore, if inaccurate or unverified information continues to be reported, this may constitute violations of : FDCPA 15 U.S.C. 1692e Prohibiting false, deceptive, or misleading representations in connection with the collection of a debt. FDCPA 15 U.S.C. 1692f Prohibiting unfair or unconscionable collection practices. FCRA 15 U.S.C. 1681s-2 Requiring furnishers to report accurate information and investigate disputes. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and require XXXX XXXX XXXX XXXX to either provide proper validation or remove the account from my credit report. Please provide written confirmation of the results of this investigation. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/year> Citizen bank locked my checking account without notifying me as they assumed a payment I made to a credit card company was fraudulent. This in turn made my payment late and late fees and damage to my credit rating has occurred. Upon contacting them I was able to get my checking account unlocked, but also discovered, they locked my HELOC, which I have written checks to and mailed prior to knowing the account was locked. It has now been 7 days and I have made 5 phone calls to get this corrected. The person on the phone just tells me I've done everything correct, it's just they have not gotten to it. Now the checks I wrote will bounce further damaging my credit and as of this morning the account is still locked and calling is no avail, they will not allow me to speak with someone that can correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC
State: VA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
On XX/XX/year>, Spring Oaks Capital , LLC provided a written offer via email for a {$270.00} settlement that explicitly promised a " full deletion of our tradeline from your credit report. '' On XX/XX/year>, the company sent a formal " Agreement to Resolve Account '' that omitted the deletion promise, using only the vague term " resolved. '' When I requested that the formal contract be corrected to match the written offer I accepted, the company refused, claiming their letters " can not be altered. '' On XX/XX/year>, the company deactivated my settlement link entirely as a high-pressure tactic because I refused to pay until the written contract was accurate. This is a clear bait-and-switch tactic and a deceptive representation of the impact this payment would have on my credit reporting, which is a violation of the FDCPA. I am ready and willing to pay the agreed {$270.00}, but only upon receipt of a formal agreement that honors the " Pay for Deletion '' promise made by the company on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: MI

Complaint narrative:
Cash App has closed my account stating that I was involved in gambling when that is not true. I simply do not gamble. I dont even go to the casinos. I have only ever used cash app for sending money ti family and friends when needed and it is the only way my aunt XXXX is able to help me when times are tough. Cash App has caused me hardships by limiting my ability to receive funds from family. When I havent broken any terms or laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Mandate for the Credit Bureaus under 15 U.S.C. 1681 and the Duties of Furnishers under 15 U.S.C. 1681s-2 ( b ), this serves as my eighth ( 8th ) and final formal notice of a catastrophic breakdown in accuracy procedures. I. STATEMENT OF SYSTEMIC FAILURE Despite seven ( 7 ) consecutive rounds of specific, fact-based disputes, the Credit Reporting Agency ( CRA ) has failed to perform a reasonable investigation or maintain reasonable procedures under 15 U.S.C. 1681e ( b ). The CRA continues to report unverified, inaccurate, and inconsistent data, specifically regarding " Past Due '' payment histories that should legally be updated to " Paid on Time. '' II. ENUMERATED STATUTORY VIOLATIONS Violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : After seven rounds, the disputed items remain unverified. The law states the agency " shall '' promptly delete or modify information that " can not be verified. '' By failing to act, the CRA is in direct violation of a non-discretionary federal mandate. Violation of 15 U.S.C. 1681s-2 ( b ) : The furnisher has failed to provide a complete and accurate payment ledger. Under this statute, the failure of a furnisher to verify a debt requires the CRA to permanently suppress the data. Violation of 15 U.S.C. 1681n & 1681o : This persistence in reporting invalidated data constitutes Willful and Negligent Non-Compliance. The CRA is now liable for actual damages, including the severe emotional distress and financial exclusion I have suffered. Breach of 12 U.S.C. 5511 : I am invoking the CFPB 's mandatory duty to protect consumers from unfair, deceptive, or abusive acts or practices ( UDAAP ) perpetrated by CRAs that refuse to follow the FCRA. III. FINAL DEMAND FOR CORRECTIVE ACTION I demand that the CFPB exercise its plenary authority under 15 U.S.C. 1681s to compel the concerned Credit Bureau to : 1. Modify and Update : Immediately update the Inaccurate Past Dues in the payment history to " Paid on Time / Never Late. 2. Mandatory Deletion : If the CRA can not produce correct evidences respond to the complaint, it must be permanently deleted per U.S.C. 1681i ( 5 )

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 2026-03-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I booked a lodging stay in XXXX, XXXX through the Affirm App by way of XXXX. The listing on XXXX was not as advertise and the host advised me to send a XXXX payment as a deposit and also stated the address on the listing was not the address where I would be staying which pose security concerns. I reached out to Affirm and XXXX to no avail. I am on requesting a refund for the fraudulent booking on XXXX 's website which I used Affirm 's Buy Now, Pay later feature. I ultimately had to book another hotel which required me to spend additional money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year>, {$600.00} was withdrawn from my Regions account. This was the very day my Social Security survivors benefit checks had deposited. I had paid bills online early that morning, & my dog had a vet visit that morning as well. After the visit when I swiped my debit card to pay, it was declined. Upon checking my app to identify this problem, I noticed the theft. My former live-in care giver had used XXXX XXXX to send herself every last XXXX ( I have extensive medical problems & require full time care ). I called Regions from the vets office about this & was told there was nothing they could do as I had made her a authorized user, although they could see her charges were made by a different IP address & also recalled my coming into the branch at the end of XXXX of XXXX to remover her from my account when I was told I could not without her being there as well even though I had absolutely no way to find her. I then called the XXXX XXXX XXXX XXXX to file a report with them. I do not feel this is fair practice as they know I did not make these transactions ( they told me about the XXXX address ), they knew I no longer wanted her to have any type of access to my account & they also could see the only money EVER deposited into that account was my Social Security! I havent been able to fill medications, feed my daughter ( to whom the second Social Security XXXX check belongs to ) & certain bills had not been paid which has caused a hardship on my family & friends who are trying to help us the rest of the month.

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 2026-03-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
On XX/XX/XXXX, I opened an American Express High Yield Savings account and transferred approximately {$210000.00} from my personal bank account at XXXX XXXX XXXX. On XX/XX/XXXX, American Express restricted the account and requested verification documents. On XX/XX/XXXX, I submitted the requested bank statements and identification. On XX/XX/XXXX, American Express informed me by phone that the account had been closed and advised that my bank should recall the funds, but my bank advised that XXXX recalls are not possible after XXXX days. The account still shows the balance, but American Express has not provided written confirmation of the status of the funds or instructions for how or when the balance will be returned to me despite multiple calls to customer service and the Account Protection team.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 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:
My employer made a payment of {$50.00} on XX/XX/XXXX. The payment was never applied. I notified Mohela on or before XX/XX/XXXX about the missing payment. On XX/XX/XXXX, I provided the below information regarding the payment that was sent from my employer. As of XX/XX/XXXX Mohela STILL has not credited my account with the payment. Sent to Mohela on XX/XX/XXXX : Customer Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trace/Chk XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Source ( XXXX ) Institution ID ( XXXX ) Payment Amount : {$50.00} Payment Dt : XX/XX/XXXX Process Dt : XX/XX/XXXX Account Nbr : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment Mth : XXXX System ID : XXXX Remit Center : XXXX Merchant Information : Payee Name : MOHELA BILLPAY Address : XXXX XXXX XXXX XXXX XXXX, MO XXXX File Trace : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Route Nbr : XXXX XXXX XXXX XXXX Account Nbr : XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-03-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
The Interest rate is 4.09 % on $ XXXX. The Bank is Open Bank by Santander. I got paid XXXX after 30 days of having my money in their system. I asked of them last Tuesday XX/XX/year>, after doing 2 phone calls. The first lasting 33 minutes and being hung on by a supervisor and then after calling back and going through security protocols for the second call and not the first a ticket was submitted and I was given a reference number of XXXX. There appears to be nothing online or in the app of the call and no email sent to me or notification that they are trying to correct or adjust. I went into XXXX and recommended I begin with your website and administration to get this corrected and fixed. This is what I am doing on XX/XX/XXXX at 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 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX To : XXXX & Credit Collection Services XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX : Formal Dispute of Collection Account Under the Fair Credit Reporting Act ( FCRA ) Dear, Experian & Credit Collection Services I am writing to formally dispute the accuracy and validity of a collection account that appears on my credit report. This dispute is being made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The account in question is listed as follows : XXXX & Credit Collection Services XXXX Opened XX/XX/XXXX Reported XX/XX/XXXX I am requesting that this account be investigated, verified, and validated pursuant to FCRA 611 ( 15 U.S.C. 1681i ). The information being reported must be accurate, complete, and verifiable. If the furnisher of this information can not provide proper documentation proving the validity of this debt including an original signed agreement and itemized accounting it must be removed immediately from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: NATIONAL DEBT RELIEF LLC
State: CA

Complaint narrative:
On XX/XX/year>, I contacted National Debt Relief to formally discontinue my services and requested the return of all remaining funds held in my dedicated savings account associated with my account. At that time, I was informed by a representative that my refund would be processed within XXXX business days. Since submitting my request, I have made multiple attempts to follow up regarding the status of my refund. During these communications, I have received inconsistent responses from different representatives regarding the status and timing of the refund. On XX/XX/year>, I was contacted by a supervisor who apologized for the delay and stated that the refund would be processed and that I would receive my funds by XX/XX/year>. However, the refund was not issued as promised. On XX/XX/year>, I contacted the companys service department again to follow up. During this communication, I was informed by a representative that the supervisor had not completed the refund as previously promised. I was advised that the company was still working on closing my account and issuing the refund. Once again, I was not provided with a clear or accurate timeframe for when my funds would actually be returned. It has now been significantly longer than the originally stated XXXX business day timeframe. My funds continue to remain in the dedicated savings account, and I am being charged monthly bank fees simply for holding money that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 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: Avant Holding Company, Inc.
State: CT

Complaint narrative:
Opened an AVANT card last year. Someone else was using it in a different state. Called the fraud department submitted a case. Received new card and never heard from them again. Now called AVANT again to see progress since nobody called- stayed on hold for XXXX minutes and a Lady with a heavy accent answered the call asked me my for my numbers I asked her whats your name couldnt understand her or who she was. The asked me for my credit card number and I said I dont have my full number and she hung up on me. Called AVANT again to tell them what happened they put in their notes what had happened Im trying to still get this resolved. They give me the number to the fraud department. I call the fraud department again Im on hold for XXXX minutes and the girl said the claim number I gave them does not support the fraud claim I am trying to get resolved and to call the receptionist back. I am not going back and forth this is ridiculous I have a baby I cant spend each day XXXX hours calling Avant trying to do their job. Now I need help and here I am. Hope you can do something for me. Thank you

Company response to consumer: Closed with explanation