vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: PR

Complaint narrative:
" I am a XXXX XXXX and a XXXX XXXX  of XXXX XXXX. I have been a customer of Crypto.com since I lived in XXXX. XXXX years ago, I moved to XXXX XXXX and lost access to my registered phone number. 

I have attempted to recover my account more than 10 times, providing all required identity verification videos and my official XXXX XXXX identity documents. However, Crypto.com support and even their management have repeatedly denied me access to my funds. Their official justification is that XXXX XXXX is not part of the United States XXXX ' which is factually and legally incorrect. 

As a XXXX Territory, XXXX XXXX XXXX under US financial jurisdiction, and I am a XXXX citizen. I am being unlawfully denied access to my private assets based on an erroneous and discriminatory interpretation of my residency status. I demand that Crypto.com immediately updates my phone number and restores my account access. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
I am writing to file a formal complaint against Venmo ( PayPal , Inc. ) regarding a denied dispute for fraudulent transactions totaling {$530.00}.

Background of the Incident : I was targeted by a sophisticated phishing scam originating from a XXXX advertisement. I was led to a fraudulent website that falsely promised income. To facilitate a " withdrawal, '' the site required me to link my Venmo Debit Card. This was a malicious site designed to harvest card credentials ( Social Engineering/Phishing ). 
The Unauthorized Activity : Immediately after my card details were harvested, unauthorized charges were made via XXXX ( a third-party crypto service ). I did not authorize, initiate, or receive any goods/services from XXXX or the fraudulent website.

The Dispute Process : I filed a dispute with Venmo. However, Venmo denied my claim, stating the transaction was " authorized. '' Why Venmos Decision is Wrong : Under Regulation E ( Electronic Fund Transfer Act ), an " unauthorized electronic fund transfer '' includes transfers initiated by a person who obtained the access device through fraud or without the consumer 's actual authority. I was a victim of a credential-harvesting scam. I did not authorize a payment to XXXX. Venmo has failed to provide a thorough investigation or fulfill their consumer protection obligations. 


Venmo details Email : XXXX XXXX Transaction Summary : {$150.00} XX/XX/year> XXXX Transaction XXXX {$190.00} XX/XX/year> XXXX Transaction XXXX {$180.00} XX/XX/year> XXXX PM Transaction XXXX Venmo debit card information was compromised And I do not have a XXXX account won identity so it's 100 % unauthorized transaction please take a action immediately Desired Resolution : I request a full reversal of the fraudulent charges and a credit of {$530.00} back to my Venmo account. I also request Venmo to provide the specific documents and evidence they used to determine the transaction was " authorized. '' My Venmo card is compromise

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally dispute the late payment reporting on the above-referenced account. The delinquency being reported is inaccurate and does not reflect my actual payment behavior. 

On XX/XX/XXXX, I submitted my payment on time. However, the payment was reversed due to a processing issue that was outside of my control. I had sufficient funds available, and I made a good-faith effort to pay the account as agreed. The reversal was not the result of neglect, refusal to pay, or insufficient funds on my part. 

As a result of this reversal, the account was incorrectly reported as late. The account is now current, and I have continued to make payments as required. Reporting this event as a delinquency does not accurately represent my payment history. 

Under the Fair Credit Reporting Act, I am disputing the accuracy of this late payment and requesting that any late payment notation resulting from the XX/XX/XXXX payment reversal be removed, and that the account be reported as paid as agreed. 

Please investigate this matter and provide written confirmation once the correction has been made. If you are unable to verify the accuracy of the reported late payment, I request that it be deleted from my credit file. 

Thank you for your prompt attention to this matter.

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 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I am filing a formal complaint regarding inaccurate, unverified, and unlawful credit reporting of a collection account listed as RESURGENT/LVNV FUNDING on my credit report. 

Account details : Account name : RESURGENT/LVNV FUNDING Balance : {$730.00} Date opened : XX/XX/year> Account type : Debt buyer Status : Collection account reported past due I formally dispute this account under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

FCRA Violations : 15 U.S.C. 1681e ( b ) Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of information reported. This account has not been verified and appears inaccurate.

15 U.S.C. 1681s-2 ( b ) Requires furnishers of information to conduct a reasonable investigation upon notice of dispute. I request proof of such investigation.

15 U.S.C. 1681i ( a ) Requires reinvestigation of disputed information within 30 days and deletion of unverifiable information.

FDCPA Violations : 15 U.S.C. 1692g Requires validation of debt and proof I am legally obligated to pay.

I have not received competent evidence showing : The original signed agreement. 
The original creditor information. 
Complete account history. 
The date of first delinquency. 
Documentation proving legal ownership or assignment of the debt. 
Proof the balance is accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As per 15usc 1611 Experian XXXX XXXX XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General Office. Cc : Better Business Bureau. Cc : State Senate. Cc : Federal Deposit Insurance Corporation. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : Credit and Insurance. Cc : Federal Trade Commission. Cc : State Regulatory 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 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
I am formally disputing a collection account reported on my credit file. I do not recognize this alleged debt and demand full validation. 

Account Information : Creditor/Collector : Jefferson Capital Systems Account Number : XXXX Reported Balance : {$130.00} Date Opened : XX/XX/2025 I dispute this account in its entirety. This account is inaccurate, unverified, and improperly reported. 

Under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i ( FCRA 611 ) and 15 U.S.C. 1681e ( b ), you are required to conduct a reasonable investigation and ensure maximum possible accuracy of all information reported. If this account can not be properly verified with competent evidence, it must be deleted from all credit reporting agencies immediately.

Pursuant to 15 U.S.C. 1681g ( FCRA 609 ) and 15 U.S.C. 1681s-2 ( FCRA 623 ), I request the following documentation : Original signed contract or agreement bearing my signature Complete payment history and accounting of the alleged debt Documentation showing legal authority to collect this debt Proof of assignment or chain of ownership from the original creditor The method of verification used to report this account Failure to provide proper documentation confirms this account is unverifiable and must be removed from my credit file. 

Additionally, this letter serves as a cease and desist notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). You must cease all communication and collection activity regarding this alleged debt except to provide validation or confirm deletion of the account. 

If this inaccurate information continues to be reported without proper verification, I will pursue all available remedies under federal law, including filing complaints with the Consumer Financial Protection Bureau and my state attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I had gotten this collection off of my credit report. They agreed to settle it and delete it because they can not validate the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 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: Healthcare Finance Direct LLC.
State: KS

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX made unauthorized withdrawals from my bank account consisting of XXXX payments of {$87.00} and XXXX payments of {$25.00}. These withdrawals overdrafted my account by over {$1000.00}. My bank reversed the overdraft fees, but the company refunded only about half of the improperly taken funds. 

After I contacted the company, we agreed to a payment arrangement of {$110.00} per month to be withdrawn on the XXXX of each month. 

Despite this agreement, on XX/XX/XXXX, XXXX XXXX XXXX again withdrew funds without authorization. They processed XXXX separate withdrawals of {$87.00} and XXXX withdrawals of {$25.00}. These transactions were not authorized and did not match the agreed payment terms. My bank again reversed overdraft fees and issued a temporary credit while the matter was reviewed. 

I was told a refund check would be mailed to reimburse the unauthorized XXXX withdrawals. As of XX/XX/XXXX, I had not received the promised refund. On that same date, my bank reversed the provisional credit, causing additional overdrafts and unpaid bills. 

Company representatives have repeatedly requested access to my bank account, which I declined due to the repeated unauthorized debits. 

I am requesting a full refund of all unauthorized withdrawals, confirmation that no further electronic debits will occur, and an investigation of this companys practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XXXX  days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

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 2026-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am writing to file a formal complaint against Venmo regarding a denied dispute for fraudulent transactions totaling {$320.00} Background of the XXXX : I was targeted by a sophisticated phishing scam originating from a XXXX advertisement. I was led to a fraudulent website that falsely promised income. To facilitate a " withdrawal, '' the site required me to link my Venmo XXXX XXXX. This was a malicious site designed to harvest card credentials ( XXXX XXXX ). 
The Unauthorized Activity : Immediately after my card details were harvested, unauthorized charges were made via XXXX ( a XXXX crypto service ). I did not authorize, initiate, or receive any goods/services from XXXX or the fraudulent website. 


The Dispute Process : I filed a dispute with Venmo. However, Venmo denied my claim, stating the transaction was " authorized. '' Why XXXX Decision is Wrong : Under Regulation XXXX ( Electronic Fund Transfer Act ), an " unauthorized electronic fund transfer '' includes transfers initiated by a person who obtained the access device through fraud or without the consumer 's actual authority. I was a victim of a credential-harvesting scam. I did not authorize a payment to XXXX. Venmo has failed to provide a thorough investigation or fulfill their consumer protection obligations. 


Venmo details Email : XXXX XXXX Transaction Summary : {$93.00} XX/XX/year> XXXX PM Transaction XXXX {$110.00} XX/XX/year> XXXX PM Transaction XXXX {$110.00} XX/XX/year> XXXX PM Transaction XXXX Venmo debit card information was compromised And I do not have a XXXX  account Desired Resolution : I request a full reversal of the fraudulent charges and a credit of {$320.00} back to my Venmo account. I also request Venmo to provide the specific documents and evidence they used to determine the transaction was " authorized. '' My Venmo card is compromise If this matter can not be resolved through chime internal review process or the CFPB complaint resolution process, I respectfully reserve the right to pursue additional legal remedies available to me, including filing a claim in XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, a new device was able to access my account from Louisiana and add their device to my account. I did not receive any kind of text to my device beforehand alerting me to this or requesting my account pin. On XX/XX/XXXX, the same person attempted to transfer money from my banking account which was linked in amounts of {$490.00} and {$350.00} which were unsuccessful, and then borrowed {$75.00} from cashapps borrowing feature. They then drained the total account in the amount of {$100.00} and sent all the money to an account under the name XXXX XXXX. The cashapp handle is XXXX XXXXXXXX. I have since contacted cashapp support and reported this issue but my claim was denied and the appeal denied as well. My account was fraudulently accessed, my money was stolen and Cashapp has made no attempt to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I didnt have the money at the time and the payment got returned. I called immediately to try and clarify and they said it was closed and there was nothing I can do

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: TX

Complaint narrative:
XXXX  XXXXXXXX XXXX XXXXXXXX I was being evicted I paid them before and during and after the event to leave the property they have false documents and statements that is being reflected badly on my personal credit history and renters report I ended up breaking my lease and paid them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Key 2 Recovery, Inc.
State: IN

Complaint narrative:
Upon requesting a copy of my most recent credit report, I noticed a claim by this company that I owe a debt. This is not a refusal to pay, but it is a notice that your claim is being disputed. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please respond to this request with evidence in support of your claim. 
Be advised that I am not requesting verification that you have my mailing address, I am requesting a validation, that is, competent evidence that I have some contractual obligation to pay you. 
You should also be aware that sending unsubstantiated demands for payments through the United States Postal Service might constitute mail fraud under federal and state law. 
Your failure to satisfy this request within the time requirement allotted by the Fair Debt Collection Practices Act, will be construed as your absolute waiver of any and all claims against me. Also, per the FCRA, as it is illegal to collect or report an unverified debt, I am requesting that you stop all reporting of this account until the debt has been verified. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: AR

Complaint narrative:
On Friday, XX/XX/year> I was scammed out of {$37000.00} via a wire transfer fraud scheme by criminals who posed as a XXXX technical support engineer and a Truist bank representative during a three way phone call. These criminals made me believe that my Truist account was compromised and told me to go to my Truist Bank and wire transfer my money to another account at a different bank to ensure my money would be safe. I went to my bank ( Truist BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX AR, XXXX ) and requested that the teller ( XXXX XXXX XXXX XXXX wire {$37000.00} to the criminals ' account. The only question that XXXX XXXX asked me was " Do you know these people? '' The criminals had already directed me what to say when the teller asked me questions, so I told XXXX XXXX, " Yes, they're doing remodeling and needed extra money. '' XXXX XXXX was required to ask me 4 questions, which would have precluded this scam ; however, she only asked me one question. On Monday, XX/XX/year>, I went to the bank at XXXX XXXX and requested the wire transfer be stopped, but Truist said the money had already been picked up. See attached documents for complaints already filed, and the XXXX XXXX XXXX news article. 

I've discussed this with XXXX XXXX, Assistant Vice President, Branch Leader III ( XXXX ) at Truist, but they haven't help me get my money back.

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 2026-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MS

Complaint narrative:
Cashapp, Block, inc., closed my account in 2022. They did so without warning, notice, or telling me why, and when i called to attempt to resolve the issue i was left on hold for 7 hours until i gave up. Now I find myself in need of a Cashapp account for my work. I tried to open a new account tied to my current phone number and email. It was immediately closed by Cashapp. They won't tell me why it was closed other than to say that I somehow violated their terms of service, but won't provide details. When I called they kept saying they need me to verify my identity to resolve the NEW closure by providing info on the account summarily closed in 2022. I no longer have that info, because it was opened more than half a decade ago. I offered to verify my actual identity with providing my driver 's license and a selfie, or my social, but they refused that. I asked to speak with a manager and was hung up on. I believe these are all the same activities you guys just fined them for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: MA

Complaint narrative:
I got an email from a merchant that I have used before that my account was compromised. Someone was making deposits using my debit card. I was alerted by the merchant and I quickly reached out to the Bank ( SoFi ). I sent them the email from the merchant and I also filed a police report. I waited over two weeks for any type of response to which they denied my claim.

Company response to consumer: Closed with explanation