vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Subject : Rebuttal to Company Response CFPB XXXX XXXX. XXXX I am submitting this complaint as a formal rebuttal to the response provided by ProCollect, Inc. in CFPB XXXX XXXX. XXXX. Their response stated that they had reached out to me regarding this account. This statement is inaccurate and misleading. I have made multiple good-faith attempts to resolve this matter and request validation of the alleged debt. My documented efforts include : - Sending a certified letter requesting debt validation, which was delivered on XX/XX/year> ( XXXX tracking confirms delivery to their office ). - Sending multiple emails on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, with no substantive response. - Attempting to communicate by phone. During a brief phone call, I requested a payment plan and expressed willingness to resolve the account. I was told that payment in full was required and that my account would be marked as refusing to pay, which is inaccurate. Additionally, I was informed that only one individual, XXXX XXXX, has access to my account. This has created further difficulty and frustration in attempting to resolve and pay this account, as when he fails to respond, there are no alternative means to obtain assistance or complete payment. At no point have I refused to pay this debt. Instead, I have consistently attempted to resolve the matter while requesting proper validation. ProCollect has failed to provide written validation of the debt despite receiving my certified request. Additionally, I have encountered conflicting information regarding the original creditor. I was informed that the debt is associated with an apartment complex ( XXXX XXXX ), yet when I contacted the property directly, they stated they have no record of me in their system. This raises serious concerns about the accuracy and validity of the reported debt. ProCollects claim that they have adequately communicated with me does not reflect the documented evidence. Their lack of response to written communication and failure to provide validation has made it effectively impossible for me to resolve this account. Due to these issues, I am requesting the following : XXXX. Full written validation of the alleged debt, including documentation proving I am legally responsible. XXXX. Verification of the correct original creditor. XXXX. Correction of any inaccurate account notes, including the claim that I refused to pay. XXXX. If validation can not be provided, deletion of this account from all credit reporting agencies. I am submitting supporting documentation, including certified mail proof of delivery, email records, and call logs, to demonstrate my attempts to resolve this matter. I request that this complaint be reviewed carefully in light of the evidence provided. Sincerely, 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 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
on XX/XX/year> the transaction of {$240.00} was issued to a inactive account. it was a peer-to-peer transaction in cash app and there was no way to cancel the transaction. a refund was requested as the recipient could not access the closed account therefore could not confirm or deny the transaction. cash app denied the refund request and denied the appeal to the refund request. her and I both contacted cash app to let them know we could not access this money and we needed to refunded and they still denied. this money needs to be returned to me as it is just sitting in a closed account that was sent in error. on XX/XX/year> the transaction was repeated to the correct account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: OPTUM BANK, INC.
State: IL

Complaint narrative:
This complaint concerns a {$20.00} " Trustee-to-Trustee '' transfer fee charged by Optum Financial without clear disclosure during the transaction process. When I sought clarification regarding the origin and authorization of this fee, the company representative ( XXXX XXXX ) failed to provide a fee schedule or specific disclosure documents. Instead, the representative deflected responsibility to my employer, despite Optum Financial being the XXXX XXXX that assessed and collected the charge. On XX/XX/year>, funds were transferred from my Optum Financial XXXX to my XXXX XXXX. During this process, a {$20.00} fee was applied. XX/XX/year>, I contacted Optum Financial via chat to understand why this fee was not disclosed at the point of transfer. The representative stated that " fees are disclosed during the enrollment process. '' However, when I requested the specific document or fee schedule applicable to my account to verify this claim, the representative failed to provide it. The representative, XXXX XXXX, repeatedly directed me to contact my employer for fee information, stating, " You need to contact to your employer. '' I clarified that as the account holder, I required direct access to the terms governing my account with Optum. The representative continued to withhold the documentation, eventually ending the interaction without resolving the transparency issue. Optum Financial is engaging in a pattern of misguiding consumers by hiding administrative fees and then obstructing access to the terms of service. The {$20.00} fee was not presented as a line item or a required authorization during the digital transfer workflow. A reasonable consumer expects all transaction costs to be visible before finalizing a transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MT

Complaint narrative:
To Whom It May Concern, I am writing to follow up on the following complaint : Case Number : XXXX Case Type : Email Date Requested : XX/XX/XXXX Associate : XXXX XXXX XXXX XXXX ID : XXXX Subject : Verification request - see notes I spoke with XXXX on XX/XX/XXXX, but several critical issues remain unresolved : 1. Late Fees : I have been charged multiple {$29.00} late fees due to internal processing errors between XXXX XXXX and Citibank. I am requesting that these fees be reversed. 2. Unauthorized Charges ( XX/XX/XXXX ) : I am still awaiting written notification or a statement confirming the resolution of the following disputed charges totaling {$730.00} : - {$160.00} ( Camera system ) - {$230.00} ( Camera system ) - {$190.00} ( Construction radio ) - {$130.00} ( XXXX ) 3. Suspicious Charges ( XX/XX/XXXX ) : I identified additional suspicious charges totaling {$950.00}. I was directed to call XXXX to dispute these, but the system requires an extension and disconnects the call otherwise. Please address these charges as they are unauthorized. 4. Unrequested Credit Card : I was informed that a new XXXX XXXX card was issued, which I did not request. 5. Account Closure : I received a notice stating my account was closed at my request. I never authorized this closure. This action has negatively impacted my credit score, and I request that the account be reopened immediately. Please resolve these matters and provide accurate contact information for a representative who can assist me further. Thank you

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 2026-04-06 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: BARCLAYS BANK DELAWARE
State: VT

Complaint narrative:
I booked a hotel through what I thought was my credit card, AAdvantage through XXXX XXXX. Turns out it was a company called XXXX travel. When I called to cancel and rebook a new hotel, they told me I had to pay over {$2000.00} to modify my reservation to a type that allows canges to reservations. They assured me it would be refunded. It turns out that was another company, which is a complete scam company. That was XXXX months ago, and still no refund. The company that promised the refund does not seem to exist and the number is defunct, and all of the associated websites tied to the number seem to be scams, and the number to XXXX just says they are not open. AADvantage/Barclay needs to be more professional and vet their travel booking service and not use scam companies. I have never carried a balance in the entire history of owning this card, and I am infuriated that my frequent attempts at communication and resolution to this issue are not being taken seriously. I have attached items for verification - one is the original email confirmation from a person and company that DOES NOT EXIST. XXXX XXXX is actually deceased. I have researched this person and called/emailed every single contact I can find and she doesn't exist. Attachment XXXX is the BBB complaint I filed. Attachment XXXX is the response from the Vermont Attorney General, which I filed. They have investigated and confirmed that this was fraudulent.

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 2026-04-06 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> LVNV Funding LLC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Debt Validation Request for Alleged Balance of {$680.00} To Whom It May Concern : I am writing in response to your claim regarding an alleged debt of {$680.00}. This letter serves as a formal request for validation of this debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge this debt as valid. Therefore, I request that you provide full validation and documentation of the alleged obligation. Specifically, please provide the following : XXXX. The name and address of the original creditor XXXX. The account number associated with the alleged debt XXXX. A copy of the original signed agreement or contract that created the obligation XXXX. A complete payment history, including any fees, interest, or charges added XXXX. Documentation showing that LVNV Funding LLC has the legal authority to collect this debt ( including proof of assignment or purchase ) XXXX. Verification that the amount of {$680.00} is accurate and lawful Under the FDCPA, you are required to cease all collection activities until you have provided proper validation of this debt. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, if you have reported this account to any credit reporting agency, you must ensure that all information is accurate and verifiable. If you are unable to provide sufficient validation of this debt, I formally request that you : Immediately delete this account from all credit reporting agencies Cease any further collection attempts Provide written confirmation that the account has been removed and closed Please note that any failure to comply with these federal laws XXXX result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General. I request that all future communication regarding this matter be conducted in writing only. Thank you for your prompt attention to this matter. I expect your response within 30 days of receipt of this letter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
This is a light bill that was put in my name without my consent

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 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Description of Negative Reporting : [ Overdraft / Charge-Off / Collections / Other ] I have previously reported this identity theft to the appropriate authorities and/or your institution. This letter serves as a formal request for immediate action under federal law. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights under : 15 U.S.C. 1681c-2 Requires consumer reporting agencies to block reporting of information resulting from identity theft 15 U.S.C. 1681i ( a ) Requires reinvestigation of disputed information 15 U.S.C. 1681e ( b ) Requires maximum possible accuracy 15 U.S.C. 1681s-2 ( b ) Requires furnishers ( banks ) to investigate disputes and correct inaccurate information Additionally, under the Fair and Accurate Credit Transactions Act ( FACTA ), you are required to promptly block and remove fraudulent information once proper documentation is provided. I am requesting the following : Immediate blocking and removal of all fraudulent accounts and negative reporting related to identity theft A full investigation into this matter Written confirmation that these items have been removed An updated copy of my consumer report Enclosed are copies of supporting documents, including : Identity Theft Report/ FTC Identity Theft Affidavit Police Report ( if available ) Proof of Identity and Address Please be advised that failure to comply with federal law may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action under 15 U.S.C. 1681n and 1681o. This is not a request for verificationthis is a formal demand for removal of fraudulent information due to identity theft. I expect prompt compliance. Sincerely, 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 non-monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: TX

Complaint narrative:
In XXXX I sent Debt Validation to Contract Callers to verify a debt the information sent back to me by mail was insufficient to the information I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
BANK OF AMERICA ATM SERVICE IS POOR. ON XX/XX/year>, THE ATM ID - XXXX LOCATED NEAR FORMER XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX IS ALWAYS OUT OF SERVCE. I WENT TO MAKE A CASH WITHDRAWL AND THE OVER THE WEEKEND AND THE ATM WAS EXPERIENCING PROBLEMS. THE ATM HAD NO POWER.

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 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I wasnt aware that there was deferred interest on my account and was not informed how it works. My promotional period ended on XX/XX/year>, and when I checked my account today, I saw an interest charge of {$3700.00} posted on XX/XX/year>. I am willing to pay off the full balance immediately. I am requesting if there is any possibility for an exception to have this interest removed. I have already called and spoken with XXXX different managers, but they were unable to assist with my request, even though I asked for a one-time courtesy forgiveness.

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 2026-04-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: TX

Complaint narrative:
I moved out of my apartment on XXXX XXXX, 2025 and into my new apartment XXXX XXXX, 2025. I have put a dispute with XXXX and provided documentation showing that I moved out when I was supposed to. However, I now have a collection agency saying I owe {$220.00} and now it has gone up to {$230.00}. I do not owe this money to the complex or the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing in response to your recent communication regarding the above-referenced account. I am requesting validation of this alleged debt as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge this debt and request that you provide proper validation. Please provide the following : 1. The name and address of the original creditor 2. The full amount of the alleged debt, including any fees or interest 3. Copies of any documents bearing my signature showing I agreed to this debt 4. Proof that your company is authorized to collect on this debt 5. A complete payment history on this account 6. Proof that the statute of limitations has not expired Until you provide this information, you must cease all collection activity and reporting to any credit reporting agencies. If this debt can not be validated, I request that it be removed from my credit report immediately. All communication regarding this matter should be in writing only. 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 2026-04-06 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
" I am a XXXX XXXX XXXX with a pending XXXX mortgage. On XX/XX/XXXX at XXXX XXXX, I visited XXXX XXXX XXXX for pain. I was never examined by a licensed dentist. Instead, a non-clinical salesperson pressured me into a {$9800.00} XXXX credit line and immediately charged {$9700.00} for services never rendereda violation of the XXXX Dental Practice Act. I returned 19 hours later, on XX/XX/XXXX at XXXXXXXX XXXX, to cancel. No laboratory work was possible in this window. Per CA BPC 654.3, the merchant must refund the lender within 15 business days. It has been over 30 days, and XXXX is refusing to resolve this, claiming a '90-day window ' while reporting this fraudulent debt as 98 % utilization, damaging my credit. I have officially filed a State Fraud Investigation with the Dental Board of XXXX ( XXXX XXXX XXXX ) I was never examined by a dentist. Instead, I was subjected to predatory 'upselling ' by a non-clinical salesperson who focused solely on maximizing my {$10000.00} XXXX credit limit rather than addressing my dental pain. This individual exploited my physical vulnerability to secure a {$9800.00} transaction for a treatment plan that was never medically diagnosed by a doctor. This is a direct violation of the XXXX Dental Practice Act and federal consumer protection standards regarding predatory lending.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-06 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: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
They are charging my debit card at Chase Bank every month for services that I do not have, and they have refused to identify themselves in a manner that reveals the charges and/or to cancel whatever they think they have with me. Chase continues to allow this even after I canceled and changed a debit card that I have had for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: NC

Complaint narrative:
My loans were moved to XXXX from XXXX/Nelnet. Upon receiving my new payment statement I noticed that the timeline to forgiveness that was reflected on XXXX 's website was inaccurate. I spoke with a XXXX representative and they stated that the records they received showed that I had only been on an XXXX plan since XXXX. I expressed to them that this was inaccurate as I had been on XXXX since early XXXX, and they told me that I needed to contact XXXXNelnet to get them to provide accurate records. My first phone call with XXXXNelnet was on XX/XX/XXXX. They told me that they would send me my records via mail within 7-10 business days. The records that they sent did not accurate reflect my payment details. It only had Administrative forbearance request listed/dated. I called back on XX/XX/XXXX and and asked them to please provide the full payment details that would reflect how long I had been on an XXXX plan. They apologized and said the last representative did not enter the correct request, but that they would fix it. They asked me to allow another 7-10 business days for them to send me the updated/correct information. Today is XX/XX/XXXX, and I still do not have the records. I spoke with another representative and they once again said they will send, but at this point it seems like they do not have the records to share because I still have not received my paperwork. Having accurate records is important as this dictates how much longer I have until I reach forgiveness under XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I was scammed {$4700.00}, by a person who claimed he was from Wells Fargo. The money was taken from my checking account by wire transfer and it went to XXXX XXXX at XXXX XXXX XXXX. Wells Faro sent a letter saying it would not reimburse me and tha case was closed. They did not send out a fraud alert and refuse to take any form of responsibility

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