vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I am submitting this complaint regarding a collection account that FirstPoint Collection Resources is attempting to collect. I do not recognize this debt, I do not know who the original creditor is, and FirstPoint has not provided any information that would allow me to identify or verify the account. FirstPoint has been calling me repeatedly about a debt I have no knowledge of. I asked them to provide the full account number, the original creditor, the date of the alleged debt, and documentation showing that the debt belongs to me. They have not provided any of this information. I also requested debt validation as required under the FDCPA. FirstPoint has not sent a validation letter, has not provided proof of ownership, and has not provided any documentation showing that I owe this debt. Despite this, they continue to contact me. I checked my credit reports, and there is no clear account number or identifying information that would allow me to determine what this debt is for. Because FirstPoint will not provide the account number or validation, I am unable to properly dispute or verify the debt. I am requesting that the CFPB review this matter and require FirstPoint Collection Resources to : Provide the full account number for the alleged debt Provide complete debt validation, including proof that the debt belongs to me Stop contacting me unless and until proper validation is provided Remove the account from my credit reports if they can not validate it At this time, I can not verify or dispute the debt properly because FirstPoint is withholding the information required to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
Subject : Immediate Release of Funds Due to Unwarranted 60-Day Account Restriction and Forced Closure by USAA Federal Savings BankComplaint Details : On XX/XX/year>, USAA Federal Savings Bank restricted my account and informed me that they are forcing the closure of my account. I was further notified that my remaining balance will be held by the bank for 60 days before a final cashier 's check is mailed to me.USAA has effectively cut off all of my electronic banking capabilities. I can not initiate wire transfers, execute external transfers, or access my own legitimate funds. The bank has refused to provide a specific, actionable reason for this total restriction.While I understand that financial institutions maintain internal security protocols, holding 100 % of my everyday living funds for a standard 60-day period without providing an immediate path to verification is punitive and causing severe, immediate financial hardship. This balance consists of my legitimate, cleared funds and is required for my essential cost-of-living expenses, including housing and basic necessities.Desired Resolution : I request that USAAs Executive Communications and Risk Management teams immediately expedite the internal review of my account. I demand that USAA release my full remaining balance and mail a final cashier 's check to my verified physical address on file within the next 48 business hours, rather than enforcing an arbitrary 60-day holding window.

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 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
b'I purchased a money order using my checking account. The service connected to the payment was not completed. I contacted the merchant (XXXX) to request a refund, but they refused. I am requesting review of the charge because I paid for a service that was not provided.\n\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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Saw a listing by XXXX XXXX on XXXX XXXX XXXX page on XX/XX/XXXX using XXXX XXXX number XXXX. XXXXXXXX XXXX ad listed a 1 bedroom apartment for sublet at XXXX XXXX ( XXXX, MA ). On XX/XX/XXXX, he confirmed the lease terms ( XXXX XXXX XXXX ). He emailed at XXXX showing a video of the unit and provided a sublet agreement. XXXX claimed that the apartment move-in cost was {$2000.00} for first month 's rent and an additional {$1000.00} to cover a security deposit, with funds sent via wire transfer through my bank ( XXXX XXXX XXXX ) to the landlord, identified as XXXX XXXX XXXX XXXX provided XXXX 's account and routing number listed at XXXX XXXX XXXX XXXX. I requested him to arrange a tour with a leasing agent for XX/XX/XXXX. XXXX sent a text on XX/XX/XXXX claiming the landlord required an additional {$3700.00} to confirm the unit. I went to at XXXX XXXX, which XXXX confirmed that XXXX was not a tenant at the location and the landlord wasn't " real ''. I filed a complaint with my bank, and filed a police report with XXXX Police Department. On XX/XX/XXXX, Bank sent letter to me claiming the funds could not be recovered and closed my claim.

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 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
XXXX was stolen out of my account from a XXXX XXXX. The XXXX was my rent money and SoFi bank stated that it takes up to XXXX business days for them to do an investigation. Not even XXXX hours later my claim got denied and they are playing with my livelihood. And not only that they asked me about a XXXX transaction and that transaction I stated that it wasnt me so then they stated that they were going to freeze my account but after the fact a XXXX XXXX stole XXXX I have been scammed as well

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: ID

Complaint narrative:
For the last two years I have been trying to get this debt validated and LVNV Funding LLC has not sent me the information or documentation to make an informed decision about the claim. Not only have they ignored my request for information and documentation, while I've been disputing this debt with LVNV Funding LLC and the credit reporting agencies, they continue to furnish and update information while the account is in dispute which is in direct violation of the FDCPA 809 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Audit & Adjustment Co. Inc.
State: WA

Complaint narrative:
Was notified of debt owed by telephone on XX/XX/year> at XXXX of approximately $ XXXX, I was informed that prior notifications were sent to the incorrect address that was collected from the ambulance company they received the debt collection request from, which I did not provide to them, and was apparently a clerical error made by the hospital that requested the transportation. This clerical error was confirmed when I contacted the hospital at approximately XXXX XX/XX/year> that they had incorrectly submitted this address to the transportation team, that then provided this incorrect address to the debt collection company, while showing that I the patient did give the hospital the correct address, and that transport was given the incorrect address. After informing the debt collection company of this information and address error by the billing departments, there is no change in information provided, demanded that I pay the debt owed within 24 hours and that interest will accrue otherwise, as I was unable to make payment at that time of the call, they stated I should just split it between 2 credit cards instead of calling back later, and call was ended. I called again at XXXX the same day and requested written validation to confirm this debt was valid with this company, and was informed that I still had 24 hours to pay the debt or they would begin adding fees and interest to this debt that I had just been informed of earlier that morning. After 2 separate phone calls stating this information I had requested the forms be sent to the correct address, which they stated they would mail out, and was informed by the debt collector that no matter what, interest would still be applied if not paid within 24 hours of the earlier call and they then ended the call as I attempted to request a digital copy. After calling a third time this same day, the debt collection company had incorrectly updated the address, so I had it updated again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Being charged on my credit for fraudulent account I never opened. Request to see my signature but I never received nothing but a copy of the bill. I would like to see the agreement that I signed for this card. Plus they are reporting it on my credit report as XXXX XXXX opened and bill says XX/XX/2022. This is why I doubt the validity of this account as well becoming the dates dont coincide. Requesting immediate removal and not to be sold or reported ever again. I definitely dont have a contract with LVN funding. I need some thing showing I took out this card, not a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: NC

Complaint narrative:
I have specifically instructed RoundPoint NOT to contact me via phone. They continue to ignore this demand. They have called me at least 8 times in the last 1.5 weeks. The most recent rep who called was wildly unprofessional then left me on an extended hold when I asked for a supervisor. I have made it VERY clear I want ONLY written communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Servicer under contract with Federal Student Aid
State: AZ

Complaint narrative:
Someone used my information 20 years ago today get a student loan. I heard of this years ago on my credit report.. disputed it, thought that was it. 20 years later they took my whole tax refund because of something I have nothing to do with. I already filed a fraud report. Turned in all documentation .. and I keep getting the run around. The U.S dept of education says theyre waiting on Federal aid dept and vice versa. This is causing me and my children major financial hardship.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
No longer have possession of the vehicle, was repossessed and they have the vehicle. Trying to collected the entire amount of debt even though they took the car back. I feel like that is not right. Taking the car and still expecting me to pay the entire note.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I confirm that I did not initiate or approve the listed accounts and do not recognize them as mine. Please review them thoroughly and remove them upon verification. Supporting documents are attached.

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 2026-05-28 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Date : XX/XX/year> Portfolio Recovery XXXX XXXX XXXX. XXXX, VA XXXX RE : Account Number : XXXX NOTICE OF DISPUTE, REQUEST FOR VALIDATION, AND CEASE COMMUNICATION To Whom It May Concern, I am writing regarding the above-referenced account. I dispute this alleged debt and request full validation pursuant to my rights under federal law. Please provide documentation supporting your claim, including but not limited to : * The amount of the alleged debt * The name of the original creditor * Documentation showing that I am legally obligated for this debt * A complete payment and account history * Documentation showing your authority to collect this debt Until proper validation is provided, I request that all collection activity cease. Additionally, I hereby request that you cease communication with me regarding this matter except as allowed by law, including providing any required legal notices or validation documents. Please do not contact me by telephone, text message, or electronic means. Any future communication should be made in writing only. This letter is not an acknowledgment, admission, or acceptance of liability for the alleged debt and shall not be construed as such. Please note that I am keeping records of all communications regarding this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Issue : Citibank misclassified an unauthorized transaction as a merchant dispute and is attempting to hold me responsible for a fraudulent charge. What Happened : On XX/XX/XXXX, a charge for {$3600.00} from XXXX was made to my Citi XXXX XXXX XXXX XXXX credit card ( device account ending XXXX ). I did not authorize this transaction. The merchandise was shipped to North Carolina, not my address in Pennsylvania. I did not receive the goods and did not make this purchase. I reported this as fraud, but Citibank incorrectly processed it as a merchant dispute. They sent me a letter on XX/XX/XXXX stating that they may be able to assist only if I provide documentation showing the merchant agreed to credit my account. This requirement applies only to disputes, not fraud. Citibank already processed a nearly identical fraudulent transaction ( same merchant, same type of items iPhones ) as fraud. This second transaction is clearly part of the same fraud pattern. Shipped to the same address. Citibank is now attempting to reinstate the charge and has added interest charges during the dispute period. What I Want : I am requesting that Citibank : 1. Reopen the case 2. Reclassify the transaction as fraud 3. Permanently remove the unauthorized {$3600.00} charge 4. Remove all interest and fees added during the dispute period 5. Provide written confirmation that I am not liable Supporting Details : Unauthorized charge : {$3600.00} Merchant : XXXX Date : XX/XX/XXXX Device account ending : XXXX I did not authorize this transaction Merchandise shipped to North Carolina I did not receive the goods A nearly identical fraudulent charge was already processed as fraud Citibank misclassified this as a dispute I am requesting CFPB assistance to ensure Citibank complies with the Fair Credit Billing Act.

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 monetary relief
Consumer complaint received 2026-05-28 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have been a victim of data breach. I think its the data breach that happened with XXXX XXXX. My emails, login information, passwords, SS, emails bank information and XXXX XXXX XXXX information along with usernames were all compromised during this data breach. Someone stole my passwords, bank login information, emails, SS and more to make fraudulent orders with Paypal with my account. Paypal is refusing to refund me and they are causing a lot of XXXX on me. I have been in XXXX, NM helping my fathers sister which is ill ( my aunt ). I have not been home in over 3 months and someone stole my identity to place fraudulent orders. I have contacted XXXX, XXXX, XXXX to place a fraud alert on my credit files to prevent more damage to me. PayPal is not refunding the money that belongs to me by law since I never made this transaction. I have NOT used PayPal in over 2-3 years. I called PayPal and the agent that helped me provided this information {$4400.00} USD Dispute Amount Transaction ID XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America withdraw money from personal savings account without consent to offset a business credit card.

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 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. NCB MANAGMENT SERVICES THE TOTAL AMOUNT ON COLLECTION IS {$7900.00} THIS ISNT ME IDENTITY THEFT DUE TO MY FATHER THAT I DONT KNOW HE USED MY SOCIAL SECURITY NUMBER AND MULTIPLE OTHER THINGS IN MY NAME THAT WASNT ME XXXX XXXX XXXX : {$560.00} THIS ALSO IS ON MY CREDIT REPORT THAT I DONT HAVE NOTHING TO DO WITH AND MULTIPLE OTHER THINGS AS WELL THAT IS FRAUD IDENTITY THEFT AS WELL

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I am submitting this complaint regarding a collection account that Midland Credit Management is reporting. I have attempted to dispute this account because I do not recognize the debt, but Midland has refused to provide the information required for me to verify or validate it. I contacted Midland Credit Management and requested the full account number so I could identify the alleged debt and confirm whether it belongs to me. They refused to provide the account number. Without this information, I can not determine the original creditor, the date of the alleged debt, or any documentation supporting their claim. I also requested debt validation as required under the FDCPA. Midland did not provide validation, proof of ownership, or any documentation showing that the debt is mine. Instead, they denied my dispute without supplying any of the information I requested. I checked my credit reports, and the account appears without a full account number or sufficient identifying details. Because Midland will not provide the account number or validation, I am unable to properly dispute or verify the debt. I am requesting that the CFPB review this matter and require Midland Credit Management to : Provide the full account number for the alleged debt Provide complete debt validation, including proof that the debt belongs to me Remove the account from my credit report if they can not validate it At this time, I can not verify or dispute the debt properly because Midland is withholding the information required to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I tried to wire transfer over $ XXXX. They flagged as fraud. I spoke with fraud agency and told them I am buying house and wire transferring to title agency. I answered every questions they asked about potential fraud. They are still not giving me permission to wire transfer. They said my title company is in fraud list. But few months ago citi bank let me transfer XXXX deposit on title agency account.

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 2026-05-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I received an AMEX gift card as a special from my apartment complex for signing a lease. I was able to use it for a few purchases, but when I tried to buy new scrubs for work with it, the card declined and then was put on a hold. I called AMEX customer support and they said that it flagged as fraud. I confirmed that it was me trying to make the purchase and they still said they couldnt help me lift the hold, but that they could send a refund. Ive tried checking the status of this refund but they wont provide me any sort of tracking number or confirmation that I will actually receive it. There was almost {$950.00} left on the gift card which is money that I kind of need. Every time I have called to check on it nobody has really given me any actually helpful information, including a case number for tracking the problem.

Company response to consumer: Closed with monetary relief