vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am sending this letter in response to a letter you sent me. I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). I am NOT requesting for verification but I am requesting for validation. I request that your office provide me with evidence that 1 am obligated to pay you. Please provide me with the following information : State what the money you say I owe is for How did you come to determine that amount Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe Show me the proof that you are licensed to collect in my state ; provide your license number Provide me with proof that the statute of limitations have not expired A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
I am disputing a debt allegedly owed to XXXX XXXX that has been sold to [ Bull City Financial Solutions ]. I have contacted XXXX XXXX directly on [ XX/XX/year> ]. A supervisor and their specialized billing department both confirmed on a recorded line that XXXX XXXX has NO billing breakdown, NO statement of account, and NO access to records for this account. Despite this, XXXX XXXX and the collection agency are attempting to collect a specific balance of {$330.00}. Because the original creditor admits the debt is unverifiable, it is a violation of the FDCPA for the collection agency to continue collection efforts. I have requested a debt recall from XXXX XXXX, and they refused to assist, directing me back to the collector. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied for an American Express XXXX XXXX XXXX based on a promotional offer of XXXX bonus points after spending {$20000.00} within XXXX months. However, after being approved and meeting the spending requirement, I was awarded only XXXX points instead of the advertised XXXX. I relied on the promotional terms at the time of application, and no clear disclosure indicated that I would receive a reduced bonus. I request that American Express honor the original offer. This situation appears misleading and has resulted in a significant loss of expected rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am submitting this complaint regarding JPMorgan Chase Bank for withholding approximately {$80000.00} from my checking account for nearly XXXX year without providing a clear resolution or returning my funds. Account Information : Name : XXXX XXXX Account Type : Chase Checking Account Number : XXXX Routing Number : XXXX Issue Summary : Chase Bank closed my account and has continued to hold my funds, totaling approximately {$80000.00}, since early 2025. Despite multiple attempts to resolve this issue, I have not received my money back. Chase informed me that certain transactions required verification. These transactions are : {$28000.00} on XX/XX/year> {$25000.00} on XX/XX/year> ( XXXX transactions ) I have fully cooperated with all verification requests. The sender ( my friend ) completed verification both : In person at a Chase branch Through phone verification with Chase XXXX of Attempts to Resolve : XX/XX/year> : Visited Chase branch in person ; was told verification was needed XX/XX/year> : Returned to Chase branch ; was told verification was needed As of today, Chase still has not released my funds and has not provided a clear explanation or timeline Impact : This situation has caused significant financial hardship and concern. Holding a large sum of money for nearly a year without resolution is unreasonable and unacceptable. Requested Resolution : I am requesting that Chase Bank : 1.Immediately release all funds held in my account, or 2.Provide a clear, written explanation for the continued hold, including the legal basis and a specific timeline for resolution I respectfully ask the CFPB to investigate this matter and assist in ensuring that my funds are returned promptly. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
am filing a complaint against LVNV Funding LLC regarding violations of the Fair Debt Collection Practices Act. LVNV Funding filed a lawsuit against me in XXXX XXXX, Iowa, claiming I owed {$1600.00} on an alleged credit account originally issued by XXXX XXXX XXXX. However, LVNV is simultaneously reporting a different balance of {$1800.00} to XXXX. This discrepancy demonstrates that LVNV is misrepresenting the amount of the alleged debt. A debt collector is required to report and collect accurate amounts, and providing conflicting balances is deceptive and misleading. Additionally, I disputed this account, and it is currently marked as disputed on my credit report. Despite this, LVNV has continued collection activity and has failed to provide proper validation of the debt, including a complete accounting or documentation supporting the amount claimed. LVNV has relied on generic or unsupported documentation and has not demonstrated that it has the legal right to collect this specific debt or that the amount is accurate. These actions violate the FDCPA, including but not limited to 15 U.S.C. 1692e ( false or misleading representations ), 1692e ( 2 ) ( A ) ( misrepresentation of the amount of debt ), 1692f ( 1 ) ( collection of amounts not authorized ), and 1692g ( failure to properly validate debt ). I am requesting that this matter be investigated and that appropriate corrective action be taken

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My Citibank account was placed under fraud review on XX/XX/year>. The bank closed my account around XX/XX/year>. I was informed that the account closure process would take time to finalize. I later received a bank statement dated XX/XX/year> showing a remaining balance of {$1200.00} at the time the account was closed. Since the closure, Citibank has not released my funds, returned the money to the original sender, or provided a clear timeline for when I will receive my remaining balance. I have contacted Citibank multiple times and have received unclear and inconsistent information regarding the status and release of my funds. I am requesting that Citibank immediately release my {$1200.00} either by issuing a check or returning the funds to the original sender, and provide a clear written explanation and timeline for resolution.

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 2026-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX and Affirm, XXXX in connection with a {$4900.00} buy-now-pay-later loan originated through Affirm on XX/XX/year>. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The merchant engaged in deceptive trade practices by advertising an unconditional money-back guarantee " the entire risk is on us, '' " you do not lose, period, '' and " no pressure, no commitment '' while concealing contract terms that strip consumers of all refund and cancellation rights. The service delivered materially differed from what was represented during the sales consultation. When our pediatrician issued a written recommendation to discontinue the program due to our infant son 's XXXX history and ongoing medical needs, the merchant disregarded it and continued to apply pressure. XXXX XXXX XXXX Clause The merchant 's contract contains a provision stating that initiating a payment dispute of any kind even XXXX resolved in the consumer 's favor results in immediate and permanent forfeiture of all program access, guarantees, and contractual rights. Upon initiating a dispute with Affirm, the merchant immediately terminated our access and issued a written legal threat demanding we withdraw the dispute by XXXX XXXX the same day or face recovery of the full program fee, attorney 's fees, and all damages incurred. This clause is specifically designed to deter consumers from exercising their legal right to dispute a charge with their financing provider. Affirm As the financing provider, Affirm enabled a {$4900.00} loan to a merchant whose contract contains terms that penalize borrowers for exercising their federally protected dispute rights. We are requesting that Affirm reverse the charge in full and review this merchant 's continued eligibility to offer Affirm financing given the nature of their contract terms and the active complaints filed with the Florida Attorney General, XXXX, FTC, and Maryland Attorney General. XXXX Requested Full reversal of the {$4900.00} Affirm loan and cancellation of the associated payment obligation. We are first-time parents of an XXXXXXXX XXXX baby who were targeted by XXXX marketing and denied recourse through threats and contractual penalties designed to circumvent consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
This debt collection company Waypoint Resource Group keeps showing up on my credit report trying to collect on a debt in the amount of {$410.00} on behalf of XXXX XXXX that is not mine. They have never communicated with me ; they just put it on my credit report. When they showed up last year I sent them a certified letter dated XX/XX/XXXX asking them to show proof of the debt with pertinent information. They never responded to the letter, but they removed it from my credit report. Now a year later, and it shows up again. So again I send them another verified letter dated XX/XX/XXXX that was received on XX/XX/XXXX asking for the same information which is proof that this is my debt. I have yet to receive any proof and the information is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: CA

Complaint narrative:
I can not get my friends off of my cash app account which is over {$14000.00} because they say that I do not have access to it because I don't have the email but it is verified in my name and the funds are my I want my money in my possession but for some reason they say they can't transfer due to a closed account so they have my plans on hold or I guess they're just holding it but I really need it they close my account so there's no need for them to have my money thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I spoke with someone at the company. They sent me a deletion letter. I need the credit Bureaus to delete this from my credit. It has hurt my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Advantage Auto Sales, Inc.
State: CO

Complaint narrative:
I am filing a complaint against Advantage Auto Sales in XXXX, IL regarding improper handling of my personal information and excessive contact. The company has sent my financial documents to an incorrect address, which raises serious privacy concerns. Additionally, I have received approximately XXXX calls along with emails and messages since XX/XX/year>, which I believe constitutes excessive and harassing communication. I have requested correction of my address and limitation of communication in writing. I am seeking Confirmation that my information is being handled correctly An end to excessive contact A reasonable resolution option for my auto loan balance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am sending this letter in response to a letter you sent me. I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). I am NOT requesting for verification but I am requesting for validation. I request that your office provide me with evidence that 1 am obligated to pay you. Please provide me with the following information : State what the money you say I owe is for How did you come to determine that amount Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe Show me the proof that you are licensed to collect in my state ; provide your license number Provide me with proof that the statute of limitations have not expired A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Prince Parker & Associates
State: WA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am writing to report ongoing identity theft and fraudulent accounts opened in my name. On XX/XX/year>, I received a letter from a collection agency, Prince Parker, claiming that I owe {$7200.00} to XXXX XXXX XXXX. I have never opened an account with XXXX XXXX XXXX and I do not recognize this debt. On the morning of XX/XX/year>, I contacted the collection agency, Prince Parker, to report the fraud. They advised me to contact the XXXX XXXX XXXX XXXX department directly. I followed their instructions and spoke with XXXX XXXX XXXX XXXX department, informing them that I do not owe this debt and that I believe the account is fraudulent. However, they were unable to provide me with any account details, such as the lines opened, devices taken, or any specific account information connected to my name. In addition, I have discovered other unauthorized accounts that appear to have been opened using my personal information. These include a XXXX account with a balance of {$960.00}, an XXXX XXXX account owing {$1500.00}, and a XXXX XXXX account with a balance of {$1200.00}. Previously, a XXXX XXXX account was fraudulently opened in my name, which I reported and was confirmed as fraud after investigation. This pattern strongly suggests that an unknown individual has used my personal information without my consent to open multiple accounts. This situation is extremely distressing and has caused me significant concern about my financial safety. I respectfully request a full investigation into all of these accounts and that they be marked as fraudulent. I also request that all collection activities be paused while this matter is under review. I am willing to cooperate fully and provide any documentation needed to resolve this issue. Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NC

Complaint narrative:
This complaint is being submitted as an escalation because a prior complaint was closed without resolution, and the companys response contained inaccurate and inconsistent information. We followed the companys instructions to obtain a new sponsor for the account. My husband ( the childs stepfather ) was submitted as the sponsor through the system, and he successfully approved the request. In response, the company denied the sponsor request stating that the relationship could not be verified. However, no clear explanation was provided regarding what information was reviewed, why the verification failed, or what specific documentation is required to complete the process. This raises serious concerns that the account and submitted information were not properly reviewed. The account currently shows an available balance ; however, access to the funds is restricted due to unresolved sponsorship verification issues. Additionally, the company removed the original sponsor and instructed us to obtain a new sponsor. We followed these instructions and submitted a new sponsor, who approved the request. Despite this, the company denied or failed to properly process the sponsorship without providing a clear or accurate explanation. We also attempted to appeal the decision and were later informed that the matter had been routed to the appropriate team, but no resolution was provided. This pattern of inconsistent responses and lack of clear communication has directly resulted in continued inability to access the funds. This complaint is not a duplicate. It is being submitted because : The company failed to properly review submitted information The response included inaccurate and inconsistent details Access to available funds remains restricted without clear justification We are requesting : 1. Proper review of the sponsor request submitted and approved 2. Clear and accurate requirements for verifying the sponsor relationship 3. Immediate resolution restoring access to the funds The prior complaint did not resolve the issue, and further investigation is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
1st off XXXX is reporting an inaccurate amount on my credit report. They are reporting an inaccurate amount of {$900.00} when the amount should be {$900.00}. I spoke to XXXX on XX/XX/year> @ XXXX XXXX and told the agent about the problem and said there is nothing XXXX can do. I will upload documents to show the inaccurate amount XXXX is reporting and the correct balance should be. I also have filed a dispute with XXXX and the account came back a " Verified '' and it doesn't make sense because how is it verified with wrong credit reporting balance? on the same phone call as previously mentioned I asked them for ( MOV ) Method of verification and they told me they were not allowed to disclose that information. They are in violation of under the FCRA for not being able to provide me with the MOV. 2nd I send Aargon Collection Agency a certified mail and receipt letter stating under the Fair Debt Collection Practices Act I would like the following from them : 1. Name of the Original Creditor 2. Full Account Numbers from the Original Creditors 3. Exact Amount Allegedly Owed 4. Complete Payment History ( including how the amount was calculated ) 5. Proof that Aargon Agency Inc. owns the debt or has been legally assigned to collect They have failed to provide # 5 ( proof that Aargon Agency Inc. owns the debt or has been legally assigned to collect ) so I called them on XX/XX/year> and the live agent told me in exact words " Yeah that's not happening '' once more under the FCRA I am within my rights to get documentation that the collection agency owns or has been legally assigned to collect the debt once more Aargon is in non-compliance with the law.

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 2026-04-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AR

Complaint narrative:
Debt is reported to my credit. I have phone service with this company that is current. Company is not familiar with this debt

Company response to consumer: Closed with explanation