vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: AZ

Complaint narrative:
I have a crypto wallet on thXXXX XXXX XXXX XXXX. I presently have XXXX XXXXXXXX XXXX XXXX stored on my XXXX XXXX XXXX XXXXXX/XX/XXXX, I manually unstacked XXXX XXXX XXXX. The tokens immediately showed as pending unstaked. About an hour later, on the same day, the XXXX tokens completely disappeared from my wallet. I have a digital receipt showing the transaction, with a date promising that the order would be fulfilled in full by XX/XX/XXXX. I began contacting XXXX  on XX/XX/XXXX, asking why my tokens had disappeared entirely. XXXX  representatives responded with a generic statement that they would look into it and get back to me ; however, they have provided no substantive response to my queries. Ive even emailed them 6 times, asking for a resolution and the reinstatement of the XXXX stake Tokens as of XX/XX/XXXX. Ive emailed them a seventh time, showing them the transaction receipt, but have received no response. Now, I am very concerned that these XXXX tokens, valued at about {$15000.00}, are completely unaccounted for, and that XXXX  is making no effort to reinstate them or explain why they disappeared from my wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
Reference : Complaint Against Transworld Systems Inc. ( TSI ) Account No. : XXXX XXXX XXXX : XXXX Consumer : XXXX XXXX XXXX XXXX Subject : Continued and Repeated Violations of the FCRA and FDCPA Failure to Validate Disputed Debt I am submitting this complaint to formally report continued and repeated violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by Transworld Systems Inc. ( TSI ).

The response provided by TSI is inadequate and fails to address the substance of my dispute. Moreover, TSI has continued to report and attempt to collect an alleged debt that was previously and formally disputed with TransUnion. This alleged debt was not properly validated as required by law.

Despite receiving notice of the dispute, TSI has persisted in its reporting and collection efforts without providing legally sufficient validation, thereby engaging in ongoing noncompliance with federal consumer protection statutes. This conduct represents a pattern of recurrence and continued violations, causing harm to my consumer rights and credit profile.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and require Transworld Systems Inc. to cease reporting and collection activity on this account unless and until full legal validation is provided, and to correct or remove any inaccurate or unverifiable information associated with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OK

Complaint narrative:
On XXXX XXXX an unauthorized users device named XXXX from XXXX Texas logged into my chime account. I was not aware of this until 16 days before XX/XX/year>. I went over all transactions within the time frame and found multiple fraudulent transactions. Phishing skimming spoofing unexplained atm withdrawals XXXX purchases XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX deposits app purchases missing money unaccounted for with no trace and money transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Two of my checking accounts were hacked and it resulted in three separate unauthorized withdrawals.

Citibank is my bank and they failed to stop these unauthorized withdrawals and refused to refund the amount to me.

Two unauthorized withdrawals happened to my personal account, these are the details : XX/XX/year> {$1400.00} was withdrawn through an " Instant Payment Debit '' to " XXXX XXXX XXXX'. I do not know this person and I did not authorize this transaction. 

XX/XX/year> {$1200.00} was withdrawn through an " Instant Payment Debit '' to " XXXX XXXX ''. I do not know this person and I did not authorize this transaction. 

From my business checking account XXXX unauthorized transaction took place on : XX/XX/year> for the amount of {$2400.00} through an " Instant Payment Debit '' to " XXXX XXXX ''. I do not know this person and I did not authorize this transaction. 

I attempted to resolve this through Citibank multiple times and they denied returning the money to me,

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 2026-01-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lendbuzz Inc.
State: IL

Complaint narrative:
I received a debt collection notice from XXXX XXXX XXXX regarding an alleged debt with Lendbuzz Funding, LLC. 

I am disputing this debt. The vehicle had an approximate purchase price of {$13000.00}, and I already paid about {$6900.00} before the vehicle was returned. The vehicle was surrendered due to financial hardship and later sold by the lender. With the payments made and the proceeds from the sale of the vehicle, the remaining balance being claimed is unclear and appears inaccurate. 

I am requesting full validation of the debt, including the original contract, a detailed payment history, the amount obtained from the sale of the vehicle, and a clear explanation of how the current balance was calculated. 

Additionally, I surrendered the vehicle because I lost my job and currently have no income or financial ability to pay this alleged debt. 

Until proper verification is provided, I request that all collection activity be paused in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: MD

Complaint narrative:
I attempted to verify my identity with Cash App using a valid, unexpired U.S. state ID. Despite submitting clear photos and completing all required steps multiple times, verification repeatedly failed. 

I contacted Cash App support numerous times. They reset my verification attempts and escalated the issue, but continued to route me through the same automated process without a true manual review. 

On XX/XX/year>, Cash App support stated they are unable to verify my account and that there is nothing further they can do. As a result, I am unable to access or use my account. 

Cash App has not provided a specific reason for denial, nor offered a manual review option. I am requesting oversight due to lack of transparency and inability to resolve identity verification despite valid documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
{$880.00} Collection company reported debt to credit bureaus I emailed collection company requesting validation of debt & license for collecting debts

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 2026-01-07 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: T.S. Holdings
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XXXX VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXXXXXX XXXX XXXX CEASE AND DESIST NOTICE 15 U.S.C. 1692c ( c ) Account : XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Reported Balance : {$17000.00} XXXX  Credit Report As of XX/XX/year> To Whom It May Concern, This letter serves as formal notice pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ). 

You are hereby directed to CEASE AND DESIST all communication with me immediately regarding the above-referenced alleged debt. This includes, but is not limited to : Telephone calls XXXX XXXX XXXX XXXX messages Contact through third parties Any other form of communication Effective immediately, you are prohibited from contacting me except as explicitly permitted under 15 U.S.C. 1692c ( c ), namely to : XXXX. Advise that further collection efforts are terminated ; or XXXX. Notify me of specific legal remedies you intend to pursue, if any. 

Any continued communication beyond these narrow statutory exceptions will constitute a knowing and willful violation of federal law. 

Please be advised that this notice is being documented and preserved as evidence. Any violation may subject your company to civil liability, including statutory damages, actual damages, costs, and attorneys fees under 15 U.S.C. 1692k.

This notice does not constitute acknowledgment, validation, or acceptance of the alleged debt, nor does it waive any rights or defenses available to me under federal or state law.

Govern yourself accordingly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
On XX/XX/year>, a charge of {$96.00} from XXXX XXXX XXXX XXXX XXXX was posted to my credit card. I disputed this charge with XXXX XXXX. After the dispute process was completed, the chargeback was resolved in my favor, and the charge was reversed. 

Despite losing the credit card dispute, XXXX subsequently attempted to collect the same amount again. In XX/XX/year>, XXXX sent a billing notice for the same {$96.00} charge. When I contacted XXXX customer service to ask why I was being rebilled, a customer service representative confirmed that XXXX could see the chargeback decision was lost, yet stated they were rebilling the charge anyway and sending it to collections. 

XXXX then referred the same disputed amount to a third-party debt collector, Transworld Systems Inc. ( TSI ). TSI contacted me attempting to collect {$110.00}, which included added fees. I formally disputed the debt with TSI and requested validation. TSI repeatedly stated they could not email documentation and would send validation by mail, but no documentation was provided for weeks. 

When documentation was eventually received, it consisted only of the same invoice related to the charge that had already been disputed and resolved in my favor. No new evidence was provided establishing that the debt was legally owed. 

At no time have I authorized rebilling of this charge after the dispute resolution. The debt being collected was previously adjudicated and should not be subject to further collection activity. 

I believe this represents an improper attempt to collect a debt that is not owed after a completed credit card dispute, and improper referral of that debt to a collection agency.

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 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: VT

Complaint narrative:
Wise is refusing to treat an impersonation scam transaction as an unauthorized electronic fund transfer and is misclassifying fraud-induced payments as authorized solely because XXXX XXXX was passed. 

XXXX card-not-present transactions of USD XXXX each were charged on XX/XX/year> under merchant descriptor XXXX 

The charges were induced by a counterfeit XXXX payment environment that used my real reservation data. I believed I was paying XXXX. I was actually paying a criminal impersonator. 

My consent was fraud-induced and therefore legally void. 

Wise stated that because XXXX XXXX was passed, the transactions are authenticated and authorized and therefore not eligible for fraud chargeback, and recommended filing a police report instead of providing provisional credit. 
Wise is refusing to process this as an unauthorized EFT under Regulation E ( 12 CFR 1005.11 ), is denying provisional credit, and is misrepresenting scheme rules by asserting that authentication equals authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: KS

Complaint narrative:
I recently got a copy of my credit report and noticed some discrepancies

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I am filing this complaint regarding incorrect and missing rewards from Capital One XXXX promotional offers. 

I made qualifying hotel purchases through the Capital One XXXX portal that advertised an XXXX miles reward bonus. One of these transactions posted incorrectly, and another does not appear at all in my Capital One XXXX trips despite the stay being completed. 

Transaction with incorrect rewards : Trip Number : XXXX Order Number : XXXX Original Purchase Amount : {$300.00} Although this purchase qualified for an XXXX miles promotion and the hotel stay has been completed, I was credited with only XXXX miles, which is significantly lower than what should have been awarded. Additionally, the amount used to calculate rewards was incorrectly reflected as {$260.00}, rather than the correct amount of {$300.00} shown on my receipt and itinerary. 

Missing transaction ( not reflected in XXXX  Trips ) : I also made a separate hotel purchase through the Capital One Shopping portal for {$730.00}, with payment made on XX/XX/year>. This hotel stay has been fully completed, yet the transaction does not appear at all in my Capital One XXXX trips, and no miles have been credited for this purchase. 

I have documentation confirming both purchases, payment dates, and completed stays. Despite meeting all promotional requirements, the rewards have either posted inaccurately or not posted at all. 

I am requesting that Capital One : 1. Correct the posted amount and apply the full XXXX miles for the {$300.00} transaction, and 2. Locate the missing {$730.00} hotel purchase and credit the appropriate miles under the advertised promotion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: KY

Complaint narrative:
XX/XX/2026 XXXX XXXX  Transaction # XXXX SENT TO XXXX XXXX XXXX XXXX XXXX XXXX . CASH APP TOLD ME TO HAVE MY MOTHER IN LAW CONTACT THEM THEN TOLD HER TO CONTACT ME. THEY ARE TRYING TO ACT LIKE IT IS A GHOST TRANSACTION. SHE HAS A RECIEPT FROM XXXXXXXX XXXX CASH APP NEEDS TO BE SHUT DOWN! I WAS SENT THIS MONEY FOR A EMERGENCY SITUATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: NC

Complaint narrative:
b"On XXXX XXXX XXXX through XXXX XXXX XXXX I was the victim of a sophisticated impersonation fraud scheme. A criminal impersonated my friend on XXXX to manipulate me into sending $XXXX via XXXX XXXX XXXX  transactions using my PNC debit card ending in XXXX. The funds were immediately converted to Bitcoin and transferred to criminal-controlled wallets.\n\nCRITICAL FACT: PNC initially recognized this as fraud and issued provisional credit to my account. This acknowledgment by PNC's own fraud department confirmed these were unauthorized transactions warranting Regulation E protection. Subsequently, PNC reversed this provisional credit without ever contacting me for additional information or conducting a proper investigation as required under 12 CFR 1005.11.\n\nREGULATION E VIOLATIONS:\n\n1. First Violation - Failure to Respond to Initial Dispute:\n- XXXX XXXX XXXX Sent formal Regulation E dispute via certified mail\n- XXXX XXXX XXXX: Delivered to PNC (USPS tracking confirmation)\n- Required response deadline: XXXX XXXX XXXX (10 business days)\n- PNC's response: NONE - complete failure to provide written determination\n\n2. Second Violation - Failure to Respond to Final Demand:\n- XXXX XXXX XXXX Sent final demand letter via certified mail\n- XXXX XXXX XXXX: Delivered to PNC (tracking: XXXX XXXX XXXX XXXX XXXX XXXX\n- Required response deadline: XXXX XXXX XXXX (5 business days)\n- PNC's response: NONE - continued willful non-compliance\n\nPhone Call Does Not Satisfy Legal Requirements:\nI received one phone call after my first letter where PNC claimed Bitcoin transactions are equivalent to cash and they couldn't help. This violates Regulation E because:\n- Electronic fund transfers via debit card ARE covered regardless of ultimate destination\n- Phone calls don't satisfy the requirement for WRITTEN determination under 12 CFR 1005.11(d)\n- PNC never provided reasons for denial or my right to request supporting documents\n\nEvidence of Ongoing Criminal Enterprise:\n- Scammer's XXXX wallet (XXXX still actively receiving funds\n- XXXX account (XXXX) still operating the same impersonation scheme\n- Federal law enforcement investigating: FBI IC3 #XXXX, FTC #XXXX, CFTC XXXXPNC's Pattern of Violations:\n- Failed to conduct reasonable investigation (never contacted me)\n- Failed to provide written determination within 10 business days\n- Failed to explain provisional credit reversal\n- Failed to respond to final demand letter\n- Continues to wrongfully withhold $XXXXAs of XXXX XXXX XXXX it has been XXXX days since my first dispute with XXXX  written response from PNC. This demonstrates willful disregard for federal consumer protection laws."

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I wrote three checks to my contractor XXXX payable to XXXX XXXX XXXX XXXX payable to XXXX XXXX XXXX XXXX payable to XXXX XXXX XXXX the signatures on the checks payable to the woman are different on the back of the checks. When I contact the banks, I asked them to verify the signatures and they refused. It looks like someone may have signed the checks because the signatures look different XXXX XXXX told me signatures are not important. The woman I sit with at XXXX XXXX said they could have wrote for deposit only on the back of the check. I said they didnt they signed it and the signature doesnt match I told her I was an employee for Wells Fargo bank for 28 years and we verified signatures. Im a XXXX XXXX person that has been scammed by an unlicensed contractor. All Im asking is for them to verify the signatures.

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 2026-01-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: CA

Complaint narrative:
Dear CFPB : I am writing to bring to your attention Procollect 's unethical behavior in the conduct of its business and the intimidation tactics the company is using to collect a debt from me that I do not owe. Procollect twice in its submission to the CFPB stated that it has instructed the credit bureaus to closed the account associated with XXXX XXXX that it reported to the credit bureaus because it twice determined that the debt is not valid and I do not owe. Yet, in its communications with the credit it is unethically refusing to do as it stated in its submission to the CFPB and saying otherwise.

CFPB, I have attached to this complaint, Procollect 's two submissions to the CFPB in which the company stated that it has instructed the credit bureau to close the account and delete the collection record it reported on my name to the credit bureau. CFPB, should a debt collector not act with integrity. CFPB, I have attached to this complaint, my email and all the documentations that I presented to Procollect arguing my case that I did not sign a contract with the XXXX XXXX and I refused to sign a contract with the XXXX XXXX  because I was lured by false advertising stating a rate for the apartment 's 4x4 bedroom unit that the apartment failed to honor. When the apartment failed to honor the rate it advertised its 4x4 bedroom unit for I made it clear to the XXXX XXXX  that I was not gon na live in the apartment and did not sign the contract. CFPB, I have attached to this complaint my emails and the documented proofs that showed the reason I walked away from signing a lease agreement and refusing to live in the apartment. 

CFPB, as a debt collector Procollect should conduct its business with integrity and an unimpeachable standard. When Procollect says one thing to the CFPB and does something else different is unethical and compromisses the integrity of Procollect. Not only that, the company is using intimidation to force to pay a debt that is not valid and that I do not owe.

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