vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: TN

Complaint narrative:
I am filing this complaint regarding continued inaccurate reporting and collection activity related to a disputed medical debt. This account was previously handled and closed under a different collection agency. Despite this, the debt later appeared again under a new collector and continues to be reported on my credit reports. I have repeatedly disputed the accuracy of this account with both the collector and the credit bureaus. I also involved my insurance company, XXXX XXXX XXXX XXXX, directly in this matter. XXXX XXXX XXXX XXXX spoke with the collector and confirmed that I do not owe this balance and that the account was not due as being reported. Despite being informed directly by the insurance company and despite my submission of supporting documentation, the collector continues reporting the account as valid and continues damaging my credit. I have also repeatedly requested an itemized bill and supporting validation documentation. The company previously claimed an itemized bill was attached to its response, but no itemized bill was actually provided to me. Additionally, I experienced concerning conduct while attempting to resolve this matter. A representative identified as XXXX XXXX advised me not to contact the companys legal department regarding this dispute, which I found intimidating and inappropriate while attempting to resolve an actively disputed account. The companys responses continue to avoid addressing the primary issues : * why the account was previously closed under another collector, * why the account continues to be reported after insurance confirmation that no balance is owed, * whether the debt was reassigned or duplicated, * and how a reasonable investigation was conducted after receiving my documentation and insurance information. I believe the continued reporting of this account is inaccurate and harmful. I am requesting : * deletion of the collection tradeline from all credit reporting agencies, * correction of inaccurate reporting, * and documentation demonstrating how the furnisher conducted a reasonable investigation after receiving evidence that this account had already been resolved and/or paid through insurance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Banco Popular de PR states I dont have the extra credit card that shows in XXXX XXXX. The charge on that card that I dont have is {$2700.00} The bank says it doesnt show on their site.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Product or Service : Credit Card Company : Capital One Description of What Happened : I am writing to formally log a complaint regarding Capital Ones complete failure to provide meaningful financial hardship assistance during a severe family medical crisis. My household recently suffered a major, permanent loss of income because my wife was diagnosed with a serious medical health condition. She was forced to stop working and is currently in the process of applying for long-term federal XXXX. I contacted Capital One customer support proactively to address this hardship before falling behind. I explained that my account is 100 % current and that I am fully committed to paying my debt. However, because my account is nearly maxed out, the extremely high interest rate is eating up my entire payment, causing my balance to grow, and creating a situation that is completely unsustainable while we wait on XXXX processing. The representative I spoke with completely lacked empathy and stated that Capital One has no hardship program to lower my interest rate. The only option provided was a rigid script telling me to " pay above the minimum, '' which is financially impossible given our fixed medical and grocery costs. Furthermore, the agent stated she was adding a note to my account claiming I " would not be making any more payments '' a complete and dangerous fabrication, as I explicitly stated I would continue paying what I can sustainably afford. I pay my bills reliably on the XXXX of every month, well ahead of my XX/XX/XXXX due date, and I am acting in total good faith. I am requesting that a XXXX XXXXXXXX XXXX XXXX review my account to reverse any inaccurate internal account notes and offer a formal, long-term interest rate concession ( ideally 0 % APR ) to match my sustainable budget of {$75.00} to {$100.00} per month while my family navigates this medical crisis. Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc.
State: MN

Complaint narrative:
On XX/XX/XXXX, a promotional deposit of {$25.00} was loaded onto a virtual Mastercard managed by Blackhawk Network on behalf of XXXX XXXX ( p. XXXX ). The virtual card was delivered in XX/XX/XXXX and carried an expiration date of XXXX XXXX proven by the official transaction history dated XX/XX/XXXX, I made zero purchases ( {$0.00} ) using this card ( p. XXXX ). The entire {$25.00} balance remained completely untouched ( p. XXXX ). Following the expiration date, Blackhawk Network removed the funds ( p. 1 ) .When I contacted the customer service department at XXXX, the representative stated that for this specific type of card, " the money just goes away '' upon expiration and flatly refused to return my balance ( p. XXXX ) .While the virtual card token itself has a valid-thru date, the underlying promotional funds belong to the consumer. I am requesting that Blackhawk Network resolve this by reissuing the {$25.00} balance via a new virtual token link or by mailing a paper check.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Central Research Inc
State: PA

Complaint narrative:
I am filing an official complaint against Central Research , Inc. ( CRI ) for severe violations of student loan servicing guidelines and abusive consumer practices. My federal student loans were transferred to XXXX in XX/XX/year>, but XXXX failed to provide the required Welcome Letter, onboarding disclosures, or account setup instructions to my correct physical or digital address, completely blocking my ability to access my account or make payments. As a direct result, XXXX reported XXXX inaccurate missed payments to my credit reports.I recently escalated this issue to a high-level supervisor named XXXX. XXXX XXXX explicitly confirmed on a recorded line that XXXX had sent onboarding emails to an incorrect email address that does not belong to me. She also admitted that XXXX made no attempt to call my phone number until XXXX XXXX months after taking over the loan.When I told the supervisor that the email and address they used were incorrect, she blamed me for XXXXXXXX XXXX communication failures. I asked for the specific dates XXXX attempted to call me, pointing out that they had my correct phone number on file from day XXXX but chose not to use it when they took over the account. XXXX never verified that I received a welcome letter before reporting me late. When I calmly demanded accountability and asked for the physical mailing address they used to verify where the letter went, XXXX XXXX became angry, refused to answer, and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: NJ

Complaint narrative:
I am the consumer making this complaint myself and am not a third party requesting this complaint on my behalf. On XX/XX/year>, I sent CONTRACT CALLERS INC. a formal NOTICE OF DISPUTE, DEBT VALIDATION request under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), and a CEASE & DESIST directive via certified mail ( tracking and return receipt attached ). The debt in question is Account # XXXX, Original Creditor : XXXX XXXX XXXX XXXX ( XXXX ), Amount Claimed : {$2700.00}. I disputed the validity of the entire debt and I do not acknowledge owing it. I specifically requested the following validation within 30 days : 1. Name and address of the original creditor and a copy of the original signed agreement/contract. 2. Complete itemized statement showing date debt was incurred, all charges, payments, interest, fees, and how the {$2700.00} balance was calculated. XXXX. Proof that CONTRACT CALLERS INC. is authorized to collect this debt, including any assignment or chain-of-title documentation. 4. Proof that CONTRACT CALLERS INC. is properly licensed to collect debts in the consumers state. I directed them to immediately CEASE AND DESIST all collection activity and credit reporting until full written validation was provided. I also requested permanent deletion from all credit reports if the debt could not be validated. As of today ( XX/XX/year> ), CONTRACT CALLERS INC. has provided no validation documents whatsoever. The 30-day FDCPA validation period is nearly expired. Despite this : - The account continues to appear on my XXXX credit report ( File # XXXX ) as a collection ( see attached XX/XX/year> investigation results showing the account was verified by the furnisher even though no validation was ever sent to me ). - I have disputed this exact tradeline multiple times with XXXX ( XX/XX/year> ; XXXX investigation ; and third follow-up XXXX dispute sent XX/XX/year> ), yet it remains on my report. This conduct violates the FDCPA, specifically XXXX ( debt validation requirements ) and the cease-and-desist provisions. CONTRACT CALLERS INC. continued ( and continues ) to report the unvalidated debt after receiving my timely dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I, XXXX XXXX XXXX, the consumer, am personally requesting this formal dispute. This is not a third-party complaint I am filing it directly. I am filing this complaint against TRANSWORLD SYSTEMS , INC. ( TSI ) for violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) regarding my defaulted federal student loans ( XXXX Account XXXX. XXXX, XXXX, XXXX/ TSI Account XXXX. XXXX, XXXX, XXXX ). Timeline of events : XX/XX/XXXX TSI responded to my validation request with only worthless XXXX codes and generic balances ( legally insufficient under FDCPA 1692g ). XX/XX/XXXX I sent formal validation requests to all three credit bureaus. XX/XX/XXXX I received the 3rd Party Statement / Treasury Offset Notice from XXXX threatening to seize my tax refunds, Social Security benefits, and other government payments. XX/XX/XXXX XXXX sent only an acknowledgment letter ( no documents ). XX/XX/XXXX XXXX sent partial documents ; TSI never supplemented its response. XX/XX/XXXX As the consumer, I sent TSI a FINAL PRE-LITIGATION SETTLEMENT DEMAND via certified mail requesting a {$4500.00} lump-sum settlement, permanent deletion of all three tradelines, and permanent cessation of all collection activity and Treasury offset attempts. Deadline was close of business XX/XX/XXXX. Today ( XX/XX/XXXX ) TSI has provided NO RESPONSE whatsoever. TSIs continued collection activity, failure to provide proper validation, and the XX/XX/XXXX 3rd Party Statement / Treasury Offset threat that I received constitute clear violations of : FDCPA 1692g ( inadequate validation ) FDCPA 1692e ( 2 ) ( A ) false representation of the legal status of the debt FDCPA 1692e ( 5 ) threat to take action that can not legally be taken FDCPA 1692f unfair or unconscionable collection practices FCRA 1681s-2 ( b ) failure to properly investigate and correct inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear Executive Officer, RE : XXXX XXXX Account ending in XXXX On XX/XX/XXXX, the XXXX XXXX/Capital One Issued a 1099 C Debt Cancelled, Balance Must Be {$0.00} XXXX has issued a Form 1099 C, confirmed cancellation of the alleged debt and extinguished any remaining liability. See supporting document letter form the Office of the CEO dated XX/XX/XXXX. Under IRS regulations and federal case law : A 1099 C constitutes recognition of discharge. A cancelled debt can not be reported as a charge off with a balance. Furnishers must report the account as : Closed Balance {$0.00} Debt Cancelled ( 1099 C Issued ) Under no circumstance may XXXX continue reporting an outstanding balance, a charge off status, or any implication of collectability after issuing a 1099 C. Doing so is materially false, deceptive, and a direct violation of : FCRA 1681s 2 ( a ) ( 1 ) ( A ) furnishing information known to be inaccurate CCRAA 1785.25 ( a ) duty to furnish accurate, complete information XXXX Furnishing Violates Multiple Provisions of the FCRA XXXX continued reporting constitutes knowing and willful noncompliance with : 15 U.S.C. 1681s 2 ( a ) prohibits furnishing information known to be inaccurate 15 U.S.C. 1681s 2 ( b ) requires correction, deletion, or cessation of unverifiable information 15 U.S.C. 1681e ( b ) duty to ensure maximum possible accuracy XXXX is furnishing information it knows is false, unenforceable, and legally extinguished. As the furnisher, XXXX must immediately : 1. Instruct XXXX XXXX XXXX to delete the account in full The account is dismissed, time barred, cancelled, and fraudulent as reported. 2. Cease all furnishing of information No further reporting of any kind is permissible. 3. Correct the reporting to reflect the 1099 C If XXXX furnishes any data at all, it must reflect : Closed Balance {$0.00} Debt Cancelled 4. Provide written confirmation Confirm deletion and cessation of all furnishing to XXXX XXXX XXXX Govern yourself accordingly,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XX/XX/year> settle was made with the original creditor XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ECMC GROUP, INC.
State: NJ

Complaint narrative:
I, XXXX XXXX XXXX, the consumer, am personally requesting this formal dispute. This is not a third-party complaint I am filing it directly. I am filing this complaint against EDUCATIONAL CREDIT MANAGEMENT CORPORATION ( ECMC ) for violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) regarding my defaulted federal student loans ( Account Nos. XXXX, XXXX, XXXX ). As the consumer, I have been actively requesting proper validation and resolution since XX/XX/XXXX. Timeline of events : XX/XX/XXXX I sent formal validation requests to all three credit bureaus. XX/XX/XXXX I received the 3rd Party Statement / Treasury Offset Notice from ECMC threatening to seize my tax refunds, Social Security benefits, and other government payments ( up to 15 % of monthly benefits ). XX/XX/XXXX ECMC sent only an acknowledgment letter ( we received it we will research ). XX/XX/XXXX ECMC sent partial documents ( still missing full chain of title, custodian affidavit, and proof of proper service ). XX/XX/XXXX ECMC referred me back to the XXXX letter. XX/XX/XXXX As the consumer, I sent ECMC a FINAL PRE-LITIGATION SETTLEMENT DEMAND via certified mail requesting a {$4500.00} lump-sum settlement, permanent deletion of all three tradelines, and permanent cessation of all collection activity and Treasury offset attempts. Deadline was close of business XX/XX/XXXX. Today ( XX/XX/XXXX ) ECMC has provided NO RESPONSE whatsoever. ECMC is relying on a XXXX default judgment ( Docket XXXX ) that was entered without proper notification to me, and is now using that judgment to threaten collection activity and Treasury offset. This, along with the continued collection activity and failure to provide proper validation, constitutes clear violations of : FDCPA 1692g ( inadequate validation ) FDCPA 1692e ( 2 ) ( A ) false representation of the legal status of the debt FDCPA 1692e ( 5 ) threat to take action that can not legally be taken FDCPA 1692f unfair or unconscionable collection practices FCRA 1681s-2 ( b ) failure to properly investigate and correct inaccurate information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I opened a fraud dispute with Wells Fargo on XX/XX/year> regarding multiple unauthorized transactions made through XXXX using my debit card without my knowledge or consent. The total disputed amount is several XXXX dollars. It has now been nearly XXXX month since the dispute was submitted, and I have not received a final decision, clear update, or resolution from Wells Fargo. The case remains open without progress. Complaint Number : XXXX I request an urgent review of this matter, prompt completion of the investigation, and the return of the funds that were fraudulently withdrawn from my account due to these unauthorized transactions. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
On XX/XX/year>, there were multiple transactions attempted and completed on my CashApp account. I did not authorize the following transactions : {$1800.00} - completed XXXX {$1500.00} - completed XXXX {$1500.00} - failed XXXX {$500.00} - failed XXXX {$65.00} - completed borrowed/loan XXXX {$65.00} - completed XXXX ( dispute completed and denied ) On XX/XX/year>, I contacted my financial institution, XXXX XXXX XXXX to complete a claim for the successful transactions ( {$1800.00} & {$1500.00} ) that were visible in my account. I was given provisional credits while XXXX XXXX completed their investigation. On XX/XX/year>, I was notified of a {$1500.00} debit from my XXXX XXXX XXXX account. Upon communication with XXXX XXXX, CashApp 's investigation stated the transactions were legitimate. Additionally, I would need to contact CashApp for further assistance regarding any posted transactions to my account. I contacted CashApp on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I clearly stated that all transactions that occured on XX/XX/year> were fraudulent transactions during these calls. It should be noted that I consistently requested to speak with an upper management associate and it was informed that there were no superior associate available to address my concerns with the fraudulent activity on my CashApp account. The only communication I received from CashApp was a generic email stating my complaints were being reviewed. As of XX/XX/year>, the CashApp associate that I spoke with stated that there was no evidence of disputes for the {$1800.00} & {$1500.00} transactions. The only dispute in the system was the {$65.00} transaction and it was denied. This is unacceptable as I clearly stated on the initial call as well as any communication with CashApp that the successful transactions were fraudulent. Thus, the previous CashApp associates I spoke with on prior occasions did not complete a dispute. Cash App and its parent company, Block , Inc., should be investigated with their lack of transparency. My case clearly identifies that CashApp is not in complance with the Electronic Fund Transfer Act ( EFTA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I submitted multiple mortgage payments intended to satisfy future scheduled monthly installment obligations in advance, consistent with prior payment history on this same loan. Instead of applying the payments toward future monthly installments as intended, the servicer unilaterally redirected the funds toward principal reduction without authorization. The payments at issue include : XX/XX/XXXX - {$6500.00} XX/XX/XXXX {$6400.00} XX/XX/XXXX {$6500.00} After I contacted the servicer regarding the issue, I was informed that the company only permits borrowers to prepay approximately XXXX months in advance and that additional funds are automatically applied toward principal pursuant to internal payment application guidelines. I requested : The contractual authority permitting the servicer to override payment instructions, The basis for refusing reversal or refund of the payments, Copies of the referenced payment application guidelines, and An explanation for why materially identical advance payments had previously been accepted and processed without issue on this same loan. The company did not substantively answer these questions and instead repeatedly provided generalized explanations regarding escrow fluctuations and principal reduction benefits that were unrelated to the actual dispute. On XX/XX/XXXX, a formal Notice of Error and Request for Information under Regulation X ( 12 CFR 1024.35 ) was submitted through the companys servicing portal by legal counsel. As of XX/XX/XXXX, no substantive response has been received. I am requesting review of : The servicers misapplication of payments contrary to borrower instructions, Failure to provide requested contractual authority or servicing documentation, Failure to adequately respond to a Notice of Error / Request for Information, and Inconsistent servicing conduct regarding prior accepted advance installment payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation