vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Harris & Harris, Ltd.
State: TN

Complaint narrative:
The week of XX/XX/year> they started contacting my sister, my members brother-in-law, and my niece were trying to collect a debt and asking if they knew my location information. 
They had since continued to reach out to my family, including my mom now and saying the same thing to her. I do not know this dad and I have proof of it. I reached out to this company multiple times and they are a fraudulent company. Theres no way to get a hold of anyone and I submitted many claims request with them to try to get this resolved and no one got back to me. I do not owe this money at all and I have documentation to prove it they need to stop harassing my family members and myself another call came just today, XX/XX/XXXX to my mom saying the same thing asking for my location and that they were trying to collect a debt and she said they were threatening to find me. XXXX is a scamming company and you can look it up for yourself. I went everywhere from being in the store multiple times just for them to tell me that they cant help me and I would need to contact corporate, but its impossible to contact corporate. countless calls and emails trying to call corporate and they even agreed that they were going to reimburse me because this was not a debt I owed and then I never got reimbursement and now theyre saying its in collections. I have valid proof of all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I formally dispute the accuracy, completeness, and verifiability of the derogatory account reported by or associated with XXXX XXXX XXXX ( or XXXX XXXX XXXX ) on my credit file. This dispute is based on XXXX separate violations of law : I. Violation of the Fair Credit Reporting Act ( FCRA ) The reporting of this account is inaccurate, incomplete, and can not be verified. I demand a reasonable reinvestigation into the validity of this debt, pursuant to * * 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) * * ( CRA ) and * * 15 U.S.C. 1681s-2 ( b ) * * ( Furnisher ). I require verified evidence to substantiate every data point reported, including : 1. The name and account number of the Original Creditor. 
2. A complete, unbroken * * chain of assignment * * showing that XXXX  legally owns this specific debt. 
3. The * * original contract or agreement * * bearing my signature. XXXX XXXX XXXX XXXXXXXX. Violation of Colorado State Law As a resident of Colorado, I am protected by the * * Colorado Fair Debt Collection Practices Act ( CFDCPA ) * *. Colorado law requires all debt collection agencies that collect debts from Colorado consumers to be * * licensed and bonded * * to operate in this state ( * * Colorado Revised Statutes XXXXXXXX XXXX XXXX ). 
I assert that XXXX XXXX XXXX XXXX XXXX XXXX XXXX illegally within Colorado without the requisite state licensing. The collection activity and the subsequent reporting of this accountderived from an illegal transactionviolates my rights under both the * * FCRA * * ( by reporting unverifiable data ) and the * * CFDCPA * * ( by engaging in unlicensed collection ).

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 2026-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: IA

Complaint narrative:
On XX/XX/XXXX my cashapp account was hacked I reached out to cashapp multiple times about this problem fast forward after weeks turned into months a manager finally reaches out to me about my account confirming it had been hacked and they were refunding my money but the manager refunded my money to that same account that had been deemed compromised I have reached out multiple times again to get this resolved and Im getting the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I am submitting this complaint regarding Navy Federal Credit Unions ongoing mishandling of a dispute I filed against XXXX XXXX, whose actions directly resulted in severe damage to my vehicle and significant financial harm. 
I filed this dispute over four months ago and submitted all required documentation promptly and repeatedly, including : Photographs clearly showing the damage caused to my vehicle Repair estimates and receipts Written correspondence and documentation from the Attorney General Detailed explanations of the incident and resulting losses Despite this, Navy Federal initially denied my dispute, claiming I failed to submit documentation. This claim is false. I did submit the documentation, and Navy Federal either mishandled, lost, or failed to properly review it. As a result of their error, I was forced into an appeal process, further delaying resolution.

Throughout this entire process : I was never issued provisional credit, despite the substantial evidence provided Navy Federal representatives have repeatedly refused to provide status updates or meaningful information On multiple occasions, representatives have hung up on me or abruptly ended calls I have been given shifting and inconsistent timelines, first being told the process would take up to 90 days, then later changed without explanation to 120 days XXXX XXXX destroyed my vehicle, which was my only means of transportation. As a direct consequence of this unresolved dispute and prolonged delay, I lost my job, experienced extreme financial hardship, and am now nearly homeless. Navy Federals inaction and lack of transparency have compounded the damage caused by the original merchant. 
I have made repeated attempts to resolve this matter directly with Navy Federal Credit Union, but I have been met with obstruction, dismissal, and silence. After more than four months, there has been no fair, timely, or transparent handling of my dispute. 
I believe Navy Federal Credit Union has failed to meet its obligations under consumer protection laws by : Improperly denying a valid dispute Mishandling submitted documentation Unreasonably delaying resolution Failing to provide provisional credit Failing to communicate in good faith I respectfully request the Consumer Financial Protection Bureaus assistance in reviewing this matter and ensuring Navy Federal Credit Union is held accountable and required to resolve this dispute appropriately. 
Thank you for your attention to this serious matter. 
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 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Complaint Against : Citibank ( Citi Credit Cards ) I was approved for a new Citi credit card on XX/XX/XXXX. Citi advised the card would arrive within 47 business days.

I never received the card. I contacted Citi and was told to wait longer. After continued non-delivery, Citi stated they would resend the card. This process has now occurred three separate times, and I still have not received the card.

I have contacted Citi repeatedly via phone and chat. Each time, representatives either told me to wait or claimed another card was being sent, but no resolution has occurred. I have not been offered reliable alternative delivery methods or meaningful escalation.

As a result of Citis repeated failure to deliver the card, I am now at risk of losing the welcome bonus associated with this account because the spending window is expiring despite my inability to use the card.

I am requesting : 1. Immediate delivery of the card via expedited shipping, branch pickup, or virtual card access 2. Written confirmation that my welcome bonus spending period will be extended due to Citis failure 3. A clear explanation of why Citi has been unable to deliver the card after multiple attempts Citis lack of resolution has caused unnecessary delays, inconvenience, and potential financial

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 2026-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: NV

Complaint narrative:
I am filing this complaint regarding the collection of an alleged debt originally claimed by XXXX and currently collected by TrueAccord. 

I timely disputed this debt in writing. My dispute is not about whether invoices exist, but about the non-performance and lack of value of the services allegedly provided. 
{$4900.00} for XXXX advertising, lead-generation services, and additional paid visibility features. These services resulted in XXXX legitimate customers and XXXX measurable business value. 

The calls and messages billed as leads were largely spam, solicitation, or irrelevant inquiries, including calls requesting services my business does not offer and that were clearly not listed on my XXXX profile and even placed in the block list. 

Messenger leads frequently went unanswered or resulted in responses stating that another provider had already been hired. These leads were not unique and appeared to be distributed to multiple businesses. 

I raised these issues multiple times with XXXX support, but billing continued without resolution. 

After disputing the debt, TrueAccord provided only billing summaries, account activity logs, and general excerpts from XXXX  Terms and Conditions. They failed to provide proper debt validation addressing the substance of my dispute. 

Specifically, TrueAccord did not provide : a copy of the specific contract governing the charges at issue, proof of assignment and authority to collect, evidence that the alleged leads were legitimate, relevant, and unique, an explanation of how spam, solicitation calls, or irrelevant inquiries were classified as valid billable services, or documentation addressing my prior complaints to XXXX support. 

Despite this, TrueAccord continues to treat the debt as confirmed and attempts to collect it. 

This constitutes a failure to properly validate a disputed debt and continued collection activity in violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: DailyPay, Inc
State: IL

Complaint narrative:
XXXX i was charged {$30.00} for a service I had just paid {$15.00} for. The XXXX charge was at XXXX XXXX  and the first garage i actually did ensure I paid XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$24.00} was charged for gasoline and i dont have a car. XXXX XXXX XXXX on XXXX XXXX. XXXXXXXX XXXX 

XXXX {$100.00} XXXX XXXX. I havent stayed at XXXX XXXX in years. 

I also know they took it upon themselves to close my account. Its my account, how can they legally close my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I deposited my paycheck ( mobile deposit ) {$2700.00} at wells fargo on XXXXXXXX XXXX.I got a {$400.00} cashback and the rest should be available today.When i woke up this morning i got an overdrawn of {$390.00} because they put my check on hold for 9 days.I went to the bank and they told me to call customer service.i spend my half day of my day off because they pass me from one person to another.I told them if they can disregard the mobile deposit and i can just cash it on the bank they said the only thing i can do is to call my agency make a stop payment and get a direct deposit.My Agency cant do anything because the money was taken out from them.i called them again and went to the bank also to provide the proof that the money was taken out but even the manager said cant do nothing about it.I felt hopeless and really frustrated, i told them my familys stomach cant wait, i am suppose to get groceries, my bills cant also wait.i beg them to put a temporary available amount but they didnt do anything about it.They are heartless.

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 2026-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
PennyMac ( servicer for XXXX XXXX loan XXXX ) offered forbearance in XX/XX/XXXX, explaining missed payments would " just be deferred to the back of the loan. '' In XX/XX/XXXX, I notified them my hardship was resolved and I could resume XXXX XXXX/mo payments starting XX/XX/XXXX- but they falsely claimed in Exhibit B I " can not resume current payments, '' concealed a XXXX-year XXXX XXXX term extension ( XXXX years beyond my XXXX-yr loan maturing XXXX/XXXX/XXXX ), and provided XXXX trial disclosures ( RESPA 1024.41 ). This appears as a bait-and-switch from promised deferral to unfavorable mod. I filed RESPA Notice of Servicer Error XX/XX/XXXX ( Notice ID XXXX ) demanding Payment Deferral re-evaluation - but portal blocks regular payment ( {$3200.00} trial shown ) with no month-specific option or autopay disable. Violates RESPA 1024.35/41 ; blocks curing XXXX months delinquency. Foreclosure suspended.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I obtained a copy of my credit report and found several fraudulent accounts that were open in my name relating to an apartment in the state of Indiana between the years of XXXX. I do not live in that state nor have I ever visited that state. I have filed a police report with my local police department to have as proof of identity theft. On top of that, I have also placed a freeze as well as fraud alerts on my credit for all three credit agencies. I have gone through the process of disputing several times with all three agencies and have only been able to get two of the three fraudulent collections accounts removed. Currently there is still a fraudulent account on my credit report stating I owe for unpaid rent of an apartment that Ive never occupied. I also have a copy of the leasing agreement that the criminal signed fraudulently using my information to obtain the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FISERV FINXACT CORE
State: LA

Complaint narrative:
Clover Network , Inc. ( Fiserv ) has withheld no less than {$28000.00} in merchant funds from my business since XX/XX/XXXX. 

There are zero open chargebacks, disputes, or customer fraud claims associated with this merchant account. I did not receive any written notice of fraud, forfeiture, or permanent withholding at the time the funds were held. 

On XX/XX/XXXX, I contacted Clover by phone regarding the withheld funds and was issued support ticket XXXX. During this call, a representative from Clovers Risk team stated that internal notes list fraud as the reason the funds were not released. This was the first time fraud was alleged, and it was communicated verbally only, without written documentation or supporting details. 

I requested written confirmation of the alleged fraud determination, the contractual basis for retaining the funds, and clarification on whether the funds were held, reserved, or forfeited. I also requested information on when the funds would be released. 

I made multiple good-faith attempts to contact Clover/Fiserv through the email addresses provided to me for merchant services and risk/compliance. Each attempt resulted in permanent email delivery failures, preventing written communication. Additionally, the Contact support function within my Clover merchant dashboard is disabled, limiting my ability to resolve the issue through Clovers platform.

As of today, Clover/Fiserv continues to withhold these funds without providing a written fraud determination, contractual justification, or timeline for release. 

I am requesting assistance to obtain either the release of all withheld merchant funds or a lawful written explanation supporting continued retention.

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 2026-01-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: FinCo Services Inc DBA Current
State: IL

Complaint narrative:
For several months ive noticed charges I havent make or authorize XXXX a fee of XXXX on a paycheck advance. It said nowhere that they would charge the fee. There's XXXX of them : XXXX ( XXXX XXXX charges on the XXXX day ) XXXX charges : XXXX XXXX XXXX  {$12.00} XXXX XXXX XXXX {$10.00} XXXXXXXX XXXX XXXX {$7.00} XXXX XXXX XXXX  {$6.00} I have no idea what these charges are for. I didnt use XXXX that many times and i darn sure didnt authorize this. There's been more than 1 occasion where they have had to return my money cause of this very reason. They won't even talk to me about these charges. They expect me to east it. Im not going to I want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
XXXX XXXX or XXXX From FFCC is calling my place of work. Everyone knows a debt collector is. She has not sent me anything in the mail. I have NO idea what the call is in reference to but I refuse to talk to Im her at work. This is harassment and should not be allowed. Send a letter. The phone number is XXXX. This needs to stop. Send me a collection notice do not call my job. Personal calls are not allowed and I will get fired and you will never get your money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 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: Orions Management Group, LLC
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.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal 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 2026-01-29 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: PA

Complaint narrative:
Lvnv is hiring 3rd party companies to attempt to collect a debt that I do not owe and have been proven that I do not owe. Pursuant to 1692c ( b ) I do not consent with any sharing of my personal information with any 3rd party for the account numbers XXXX XXXX and XXXX XXXXXXXX. If I receive any collection notice regarding these alleged debts I will hold both agencies liable under the FDCPA. Again, I DO NOT consent with you sharing ANY of my personal information in reference to this alleged debt youre trying to collect to ANOTHER third-party as written in the FDCPA Section 805 ( b ) of the FDCPA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
My Capital One credit card accounts have been frozen since approximately XXXX XXXX. There is no active or confirmed fraud on the accounts, and the cards are not being misused. 

Capital One has repeatedly required identity verification. I have submitted government-issued photo ID ( front and back ) three separate times, including IDs for authorized users as requested. 

During my most recent call, the representative confirmed that all IDs are visible in the system and are not missing. He stated he does not understand why the accounts remain frozen and acknowledged that the documents are present. After placing me on hold, he returned and stated that another department claimed the IDs were blurry, despite his confirmation that they were clear. And said I had to submit them again, but he himself did not understand why since they have it. 

I am current on all payments and continue to be billed while being denied access to my accounts. Repeated requests for the same documents after verification has already been completed is unreasonable and feels harassing. 

I am requesting immediate restoration of account access or a written, lawful explanation for the continued restriction, including what specific regulatory or fraud concern justifies freezing my accounts for several months after verification.

Company response to consumer: Closed with explanation