vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
I reached out to the Following via certified mail on XXXX XXXX in attempt to verify the following debts XXXX Bank-balance shows {$1300.00} XXXX XXXX XXXX -balance shows XXXX & {$1000.00} XXXX-balance shows that the debt was paid but is still being reported as charge off every month XXXX XXXX balance shows {$670.00} XXXX XXXX XXXXbalance shows {$910.00} XXXX XXXX XXXX have also not received a XXXX for either of the debts that are being reported monthly as a charged off. XXXX XXXX XXXX XXXX collection agency that bought a debt and is not the original lender is reflecting a balance of {$1000.00} & XXXX I sent them a debt validation letter and they responded- I sent back a response as they refused to correct the incorrect amount being reported as a collection and they also refused to settle on the actual debt. I did not dispute a debt was owed- I disputed the amount in question- They also reported during the months they were supposed to halt the reporting due to my dispute with the credit bureaus. They have yet to correct this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
omplaint Against Truist Bank Unreasonable Withholding of Personal Funds I am filing this complaint against Truist Bank regarding the continued withholding of my personal funds in the amount of approximately {$2000.00}. In XX/XX/year>, funds were deposited into my account via XXXX as part of a transaction that was later determined to be fraudulent. Upon discovery, Truist immediately froze my account. The account referenced in this complaint is account ending in XXXX. I fully understand and accept the banks right to investigate suspected fraud and take precautionary measures. However, it has now been approximately nine ( 9 ) months since the account was frozen. During this time : - No claims or disputes have been filed against the account to my knowledge- I have not been notified of any ongoing investigation, legal action, or judgment requiring continued withholding of funds - Truist has not provided any written explanation for the continued retention of my funds The funds currently being withheld are my personal funds, not proceeds from the fraudulent transaction, and there is no valid justification for Truist to permanently retain or continue holding these funds without resolution. Despite multiple attempts to resolve this issue directly with Truist, I have been told verbally that the funds are in reserve and that I will not be receiving them back. However, no written explanation or legal basis has been provided. I believe this constitutes an unreasonable and potentially unlawful withholding of consumer funds. I am requesting the following : 1. Immediate written explanation detailing the legal basis for continued withholding of my funds 2. Confirmation of whether any claims, disputes, or investigations are still pending 3. Immediate release of my personal funds if no valid legal justification exists If Truist believes it has a lawful reason to retain these funds, I request full documentation supporting that position. I expect a prompt and substantive response in accordance with CFPB complaint resolution requirements. Sincerely, 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 2026-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
On XX/XX/year> my husband was served papers from the sheriff. The papers were given directly to my husband not myself. I contacted summit legal aid and they advised me to submit a written response at the courthouse. I submitted my response on XX/XX/year>. I submitted copies of my credit report where XXXX XXXX was closed and paid in full and only had a credit limit of {$300.00}, to the courthouse. I in turn asked for validation of the debt, the records of transactions, proof the debt was assigned for prosecution, and my wet signature. On XX/XX/year> I sent a certified copy to Cavalry SPV I, LLC and to XXXX XXXX XXXX XXXX ( the law firm Calvary is using ). On XX/XX/year> I received a letter stating I only had 10 days to respond in writing at the courthouse, which I had already done. On XX/XX/year> I received a letter from Calvary starting they received my dispute and verified the information, however they never sent me the information I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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: GOLDMAN SACHS BANK USA
State: MT

Complaint narrative:
I am writing to report a serious problem with how Goldman Sachs is handling fraud on my Apple Card. During a recent trip through XXXX, XXXX, and XXXX, I was targeted by several merchants who are clearly running a " tourist overcharging '' scam. In every single case listed below, I was told a price verbally ( usually around {$1.00} or {$2.00} USD ), but when I tapped my card, they processed a much higher amount. When I asked for a receipt to check the total, the merchants flat-out refused to give me one. I found out later they are legally required to give these receipts in those countries, but they didn't. The transactions and dispute IDs are : XXXX XXXX ( XXXX ) : XXXX ( {$6.00} ) and XXXX ( {$3.00} ) XXXX XXXX ( XXXX ) : XXXX XXXX {$15.00} ) XXXX XXXX ( XXXX ) : XXXX ( {$38.00} ) XXXX ( XXXX ) : XXXX ( {$20.00} ) I have tried to handle this through the app and over the phone multiple times. I even wrote out detailed statements explaining that these merchants are violating Mastercard 's own rules ( Rule 3.13 ) by refusing receipts. Instead of actually investigating, Goldman Sachs just keeps sending me generic emails saying there is " no evidence '' to support my claim. It feels like the bank is siding with the scammers because they successfully hid the evidence by refusing to give me a receipt. This is exactly the kind of poor dispute handling that Goldman Sachs was just fined {$89.00} XXXX for by the CFPB last year. I just want a real person to look at these five cases as a pattern of fraud and fix these incorrect charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I received a copy of my credit report and noticed that this company is listed on XXXX different times on my report. The problem is I have never signed any contracts bearing my wet ink signature. I don't even know how they got access to my non public information such as my ss or name and dob. According to 15 USC 1692G debt collectors are required to make sure they can provide validation for any of these debts they are alleging I owe. The courts have already stated that bill statements are not valid proof of me owing these alleged debts. I know my rights as a consumer and refuse to allow you to continue to report these alleged debts without providing me with sufficient evidence. I want these accounts removed immediately if you can not properly validate them. XXXXV FUNDING - XXXX LVNV FUNDING - XXXX LVNV FUNDING - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
On the afternoon of XX/XX/XXXX, before XXXX, I tried to add a new contact to my XXXX account with Ally Bank . The app would not allow me to add the new contact and when I tried to access it after XXXX, it said that XXXX XXXX not available. I logged in on my computer and tried to access XXXX, but received a message that there was a security freeze on the account. The App continued to say that XXXX was not available. I contacted the company to release the XXXX account, but they were not able to resolve the issue over the phone, even when the topic was escalated. They were not able to say why the freeze was placed, nor whether the funds in my checking account would be available, if I wrote a check. On both XX/XX/XXXX, and XX/XX/XXXX, the phone representative and the supervisor contacted could only say that a ticket had been created and that it should be resolved within 1-2 business days.

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 2026-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Incorrect Last Payment Date Request for Correction or Deletion To Whom It May Concern : I am disputing inaccurate information being reported on my credit file regarding a XXXX XXXX XXXX ( XXXX ) account. The credit report shows a Last Payment Date of XX/XX/year>, which is factually incorrect. No payment was made on that date, and the furnisher can not verify this information because no such payment exists. Under the Fair Credit Reporting Act ( FCRA ), all information must be accurate, complete, and verifiable. Since the reported last payment date is inaccurate and can not be verified, I am requesting that the bureau : Correct the last payment date to the accurate value OR delete the tradeline entirely if it can not be verified. Please complete your investigation and provide me with the results. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Incorrect Last Payment Date Request for Correction or Deletion To Whom It May Concern : I am disputing inaccurate information being reported on my credit file regarding a XXXX XXXX XXXX ( XXXX ) account. The credit report shows a Last Payment Date of XX/XX/year>, which is factually incorrect. No payment was made on that date, and the furnisher can not verify this information because no such payment exists. Under the Fair Credit Reporting Act ( FCRA ), all information must be accurate, complete, and verifiable. Since the reported last payment date is inaccurate and can not be verified, I am requesting that the bureau : Correct the last payment date to the accurate value XXXX delete the tradeline entirely if it can not be verified. Please complete your investigation and provide me with the results. 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 2026-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is a follow-up complaint regarding [ Experian / XXXX / XXXX XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. XXXX ( XXXX ), XXXX ( XXXX ), and XXXX v. XXXX ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. Accounts Still Inaccurate : XXXXXXXX XXXX XXXXXXXX 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 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRE is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Chrysalis Holdings LLC
State: TX

Complaint narrative:
I am currently in an active XXXX XXXX bankruptcy, and my mortgage servicer New Day USA, is not applying my payments correctly. Since the XX/XX/XXXX payment, which was on time, up to the XX/XX/XXXX payment, also on time, they have repeatedly placed my mortgage payment into an " unapplied account ''. My XX/XX/XXXX and XX/XX/XXXX payments were both in the XXXX Account until approximately the XXXX week before they were applied to my mortgage. My XX/XX/XXXX payment has been in the Unapplied account to this day. On XX/XX/XXXX. I spoke with XXXX # XXXX at approximately XXXXXXXX XXXX and she said she would place it in the escalation department. I didn't trust her because she was short and seemed not to really care. That same day, I called back at approximately XXXXXXXX XXXX, and I spoke with XXXX # XXXX. She was more helpful and patient with me. She escalated my issue, too. On XX/XX/XXXX, I wrote a letter of " Official Notice of Error '' under 12 C.F.R. XXXX RESPA XXXX. As of today, XX/XX/XXXX, I have not received any response or correction to my account. On XX/XX/XXXX, I noticed I was blocked from my account both online and through the App. The online Account kept saying it did not recognize my account number or SSN. I called New Day USA the same day. I spoke with XXXXXXXX XXXX XXXX. She said my account had been suspended, and my XX/XX/XXXX payment is still in the Unapplied account. I explained to her that I sent a legal letter regarding my payments being improperly applied to my mortgage, and I want to know why my XXXX payment is still in the Unapplied account. I wanted to speak to someone higher up, but she kept putting me on hold to talk with someone. The only thing she did was put in another escalation notice. I have certified proof that my letter was received through XXXX. I also sent a letter to my attorney for help, but I haven't received any help yet. I did send a letter to my trustee, too. Being a XXXX XXXX, I am appalled at how New Day USA has treated me, especially since I never missed a payment nor was I ever late with them. I can have proof of phone calls, and I do have my XXXX receipt. I also have proof that all my payments are being paid from my bank account to New Day USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
Subject : Second Request Unauthorized Recurring Charge Not Resolved Acct name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hello, I am following up regarding an unauthorized recurring charge from XXXX ( XXXX XXXX ) in the amount of {$19.00}. I previously reported this issue, replaced my debit card, and was informed that the merchant had been blocked. However, I am disputing this charge again to ensure it is fully resolved and does not continue. I do not recognize or authorize this subscription, and I do not have access to any account associated with this charge. Transaction details : - Merchant : XXXX XXXX ( XXXX XXXX ) - Amount : {$19.00} XXXX - Date : XXXX I am requesting the following actions : 1. Confirm that a permanent block has been placed on all transactions from XXXX / XXXX XXXXXXXX XXXX. Reopen or continue the dispute for this unauthorized charge 3. Ensure no future transactions from this merchant can be approved under any circumstances 4. Confirm that my account is protected from any account updater services that may allow this charge to continue This issue has persisted even after a card replacement, which is unacceptable. I need confirmation that this matter is fully resolved and that no further charges will occur. Please provide written confirmation once all actions have been completed. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am not disputing the accuracy of the late payment. The payment was missed due to a checking account change, which caused my autopay to stop without my awareness. As soon as I realized, I immediately made the payment and updated my autopay. This was an isolated incident and not a pattern of behavior. I contacted Capital One to request a one-time goodwill adjustment, but I was told no action could be taken and was directed to file a dispute, which does not apply in this situation. I am requesting a discretionary goodwill review and a one-time courtesy adjustment of the reported late payment given the circumstances and my immediate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
XXXX resource group claims to be collection debt from XXXX cable for an address I never lived. They have not contacted me. XXXX refuses to remove the fraudulent 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 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am victim of regular or limitation income theft by XXXX XXXX not giving XXXX dollars to generate the Regular income and other employers not putting me on payroll I have a missing wife i could pay her only one year alimony of XXXX in XXXX or XXXX dollars. I am also victim of theft of ip value of book or guidance now in my website XXXX I am sole proprietor but monetisation is stolen I filed a complaint case against IRS Using XXXX XXXX this is XXXX be tenth case they are closing and is a serious crime they have taken XXXX dollars from my accounts in XXXX but not giving me the money i am living homeless in XXXX last three years eight months and have to request strangers for food money when my limitation income is stolen and wife XXXX missing mother dead me with no one no home prevented from reaching california by the thieves. I have a different phone number 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 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: SC

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: IN

Complaint narrative:
There were three fraudulent transactions made on my sons Cash App account. My son immediately made me aware when this took place and immediately disputed these charges as they were not made or authorized by him or myself. Cash app keeps denying our disputes saying that we made the transactions. There are only three transactions made with this company that took money from my sons card. They all happened on the same day within an hour of each other. There are no other transactions with this company as well as no subscriptions with this company. My son was on his way out of town when this took place. He was actually asleep when it happened and he woke up and seeing that all of the money I sent him was gone due to fraudulent activity. Im not sure why Cash app keeps denying my appeals, but Im needing to take this further.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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.

Complaint narrative:
My account had {$1200.00} removed due to a legal order on XX/XX/year>. These funds are 100 % XXXX XXXX ( XXXX ) benefits, which are federally protected under 38 U.S.C. 5301 ( a ) and exempt from garnishment, levy, or seizure. I notified the bank in advance on XX/XX/year> that the funds were XXXX benefits. Despite this, the funds were removed and sent under a legal order. I am requesting : Immediate investigation Identification of the party who received the funds Reversal of the transaction and return of my funds This is federally protected income and should not have been taken.

Company response to consumer: Closed with explanation