vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-05 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Email : XXXX ( on my cashapp account ) Cashtag XXXX XXXXXXXX XX/XX/XXXX Re : Dispute of Unauthorized Transactions Cash App ( SIM Swap Fraud ) To Whom It May Concern, I am writing to formally dispute several transactions that appear on my Cash App account which I did not authorize and do not recognize. 

I was a victim of XXXX swap fraud. My mobile device was fraudulently XXXX swapped without my consent from XX/XX/XXXX through XX/XX/XXXX, which caused my phone service to stop working and allowed unauthorized parties to gain access to my financial accounts. 

As a result of this XXXX swap, my Cash App account was compromised and used without my permission. The XXXX XXXX ending in XXXX and XXXX were both used fraudulently. 

The following charges are being disputed : XX/XX/XXXX XXXX {$140.00} ( Cash Card ending XXXX ) XX/XX/XXXX XXXX  {$63.00} ( Cash Card ending XXXX ) XX/XX/XXXX XXXX XXXX XXXX  {$100.00} ( Cash Card ending XXXX ) XX/XX/XXXX XXXX XXXX {$160.00} ( XXXX XXXX  ending XXXX ) XX/XX/XXXXXXXX XXXX XXXX {$350.00} ( XXXX XXXX  ending XXXX ) XX/XX/XXXXXXXX XXXX XXXX {$440.00} ( XXXX XXXX  ending XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX$400.00} ( XXXX XXXX ending XXXX ) XX/XX/XXXXXXXX XXXX XXXX {$400.00} ( XXXX XXXX ending XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX$360.00} ( XXXX XXXX ending XXXX ) XX/XX/XXXXXXXX XXXX XXXX {$410.00} ( XXXX XXXX ending XXXX ) Total disputed amount : {$2800.00} I did not make or authorize any of these transactions. These charges occurred while my device and phone number were compromised due to a XXXX swap performed without my knowledge or consent. I believe an unauthorized XXXX  XXXX gained access to my account during this time. 

I am requesting a full investigation into these transactions and reimbursement for all unauthorized charges, along with provisional credit where applicable. 

Please advise if you require any additional documentation, including mobile XXXX records, identity verification, or device information. I am available to fully cooperate with your investigation. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
This letter is written in reference to the above-referenced account that LVNV Funding LLC is currently reporting on my consumer credit reports. I am formally disputing this account in its entirety. I do not acknowledge ownership of this alleged debt, nor do I admit any responsibility for the balance being reported.

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I am exercising my right to dispute inaccurate, incomplete, and unverified information. Federal law requires that you conduct a reasonable investigation and provide competent, verifiable evidence demonstrating that this account is accurate, legally enforceable, and properly attributed to me. Until such evidence is produced, continued reporting of this account is improper and may constitute a violation of federal law.

This correspondence also serves as a formal demand for validation of the alleged debt. Please provide, at minimum, the following documentation : the name and address of the original creditor, the original account number associated with the alleged debt, a complete accounting and payment history, a copy of any contract or agreement bearing my signature, and proof of assignment or legal authority granting LVNV Funding LLC the right to collect and report this account.

Furthermore, take formal notice that this letter constitutes written notice under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act. You are hereby instructed to cease all communication with me immediately regarding this alleged debt, except as permitted by law.

I expect written confirmation within the time period permitted by law that either this account has been fully removed from my consumer credit reports or all collection activity has permanently ceased due to lack of proper validation.

This letter is sent without waiver of any rights, remedies, or defenses, all of which are expressly reserved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
A transfer of {$450.00} was initiated with Wise money transfer from my bank, XXXX XXXX XXXX to XXXX XXXX. The money left my XXXX  account on XX/XX/year>. On XX/XX/XXXX, I was asked for additional recipient information. On XX/XX/XXXX, I cancelled the transaction. The money has still not been returned to my account. I was told by Wise that in a maximum of 10 business days, the money would be refunded. That expired on XX/XX/XXXX. 

Now Wise XXXX XXXX, to be exact. is telling me that the bank in XXXX has not rejected the funds yet and it could take more than a month. I asked them to escalate this within Wise and they claim they have, but I am not convinced that they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: FL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
They texted my mother, stating that I owed a debt and the debt amount

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 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
MY PAYROLL CHECK WAS RETURNED. THE XXXX RETURNED CHECK I HAVE HAD ON THIS ACCOUNT. I BROUGHT BACK CASH FOR THAT DEPOSIT AND DEPOSITED ANOTHER CHECK AND WAS NOTIFIED THEY WERE GOING TO HOLD IT UNTIL XXXX XX/XX/XXXX. THE FUNDS WERE SENT XX/XX/XXXX. THEY HELD FUNDS AND RETURNED MULTIPLE PAYMENTS. ONLY REFUNDED MY XXXX FEES. I WAS TOLD BY ANOTHER BACK THAT FUNDS MUST BE RELEASED XXXX HOURS AFTER RECEIVING THEM. 
BOA IS SO BIG THAT THE XXXX XXXX CAN ONLY CONTACT THE PEOPLE MAKING DECISIONS ABOUT THE HOLDS. 
I ALSO MOBILE DEPOSITED THE NEXT CHECK. I WAS NOT NOTIFIED UNTIL I CALLED THEM THAT THE DEPOSIT WAS NOT ACCEPTED AND THAT I NEEDED TO TAKE THE CHECK TO THE BANK. I THEN RECEIVED AN EMAIL CONFIRMING WHAT THE XXXX XXXX SAID.

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 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NC

Complaint narrative:
XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX  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 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NC

Complaint narrative:
XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX  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 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
CONSERVE is falsely reporting on my credit. I have never had any accounts with them. Per my research CONSERVE 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 2026-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: OH

Complaint narrative:
On XX/XX/year>, I received a phone call from a Mariner Finance representative named XXXX at my place of employment under the pretext of employment verification. During that call, after I stated it was not a good time to talk, the representative attempted to discuss my delinquent auto/title loan account and stated that if I did not make a payment the account would be sent to attorneys for wage garnishment. This statement appeared intended to pressure me while I was at work. 

On XX/XX/year>, Mariner Finances repossession agent, XXXX XXXX appeared at my workplace. The agent entered the dealership and spoke with XXXX of my sales employees. He asked for a finance manager to turn in a repo he had done for us and asked employees to locate me by first and last name, disclosing that my vehicle was also up for repossession. He then spoke with a second employee in XXXX XXXX XXXX, again asked for me, stated that my vehicle was up for repossession, indicated that he could see it but could not access it, and requested that lot vehicles be moved so he could reach my personal vehicle. These discussions with my subordinates caused disruption at my workplace and disclosed repossession activity to XXXX  parties. 

After this incident, I sent Mariner Finance a written notice advising that I do not consent to repossession activity, debt discussion, or XXXXparty contact at my workplace, and that all future communication must be in writing only. 

Despite this written notice, the same XXXX XXXXXXXX agent returned to my workplace on XX/XX/year>. He again entered the dealership, asked staff for me by name, and stated that he would return again the following day. This second visit occurred after Mariner Finance had been notified in writing and reflects continued workplace contact and XXXXparty disclosure. 

I am requesting regulatory review of Mariner Finances repossession practices and their failure to control the conduct of their repossession agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
In early 2024 I used my XXXX 's Synchrony credit card at a XXXX store and found that did not work. I questioned this at the store and customer service representative did not know. I called Synchrony Bank and told them about the credit card situation, and they would not or could not provide any answers for me. At the time I remember thinking something is not right, but my card might have been compromised which they could not talk about. I tried using my card a few other times in XXXX stores with the same results including trying to open another credit card account. Recently I was alerted by my bank when I applied for a car loan that my credit score had dropped considerably. The bank informed me that it was due to a debt with Synchrony Bank. I was unaware of such a debt. I called Synchrony Bank and they told me it was turned over to a collection agency and provided me a phone number. I called XXXX XXXX. A representative looked into a paper trail and concluded when I didn't make a payment on a statement. He went over the items that I purchased, and I remembered that I indeed made purchases that amounted to {$90.00}. He also asked if I had moved to XXXX XXXX, NY or Oregon which I have never even visited those places. He informed me my address was changed and my Synchrony statements were going to NY and then Oregon for about XXXX months. I did not authorize any changes of address. He wanted me to pay {$400.00} due to interest charges or reach a settlement with paying some interest. I said I did not get my statements at no fault of myself, and I would only pay {$90.00}, and that I can't take responsibility for someone at Synchrony mistakenly or intentionally changing my address. Furthermore, I had reached out to Synchrony Bank and XXXX to rectify a problem with my credit card. I feel that I am caught up is some kind of scam especially with the XXXX changes of address and not getting answers when I inquired about not being able to use my credit card. I have been penalized with a lower XXXX XXXX that effected a car loan. I want my good credit restored ( it was at XXXX ), and my debt settled.

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 2026-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MT

Complaint narrative:
I am a small time landlord and a tenant uses Chime to pay rent. I do not use Chime and therefore do not have an account. The money has always come through to my debit card. In XXXX, my bank issued a new card with the same number and a new expiration date. Chime NEVER asks to re-verify debit card information - so the card info stayed static. My tenant sent XXXX transactions- XXXX on XX/XX/XXXX for {$780.00} and XXXX on XX/XX/XXXX for {$910.00}. I generally verify that these transactions make it to my account- however, in XXXX with the holidays I did not verify and did not realize this until the second transaction in XXXX did not come through. Chime will not speak with me about it. The tenant has filed a claim/investigation on both transactions and they denied it amost immediatly saying the money left her account and that is the extent of their responsibility. I use a small, local bank who has looked everywhere for an incoming transaction that is not attached to an account. They have not come to my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have been a USBank customer since XXXX. On XX/XX/XXXX I applied for USBank XXXX XXXX XXXX on. The application was denied " we are unable to verify identity information on the application ''. 

When I called USBank application status line XXXX, I was directed to USBank XXXX XXXX Department XXXX, where I was on hold for more than an hour every time I called yet still unable to talk to an agent. After many hours spent waiting on hold, I called USBank application status line again and the agent told me just put the phone on speaker and wait after I informed him I have not been able to speak to XXXX XXXX Department after waiting on hold for XXXX hours. 

USBank did a hard pull on my credit reports which affected my credit score, yet claims unable to process my application due to identification verification without providing a reasonable way to resolve it. 

REF : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
To Whom It May Concern, This letter serves as formal notice that I am requesting an immediate cease and desist of all collection activities, communications, and reporting actions related to the account referenced in my Consumer Financial Protection Bureau ( CFPB ) complaint. 

I dispute the validity and accuracy of this account and do not consent to any further contact regarding this matter. This includes, but is not limited to, phone calls, text messages, emails, letters, third-party contact, or continued credit reporting. 

Pursuant to applicable federal law, including but not limited to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), you are hereby instructed to cease all collection efforts unless and until you can provide competent, verified documentation proving : 1. My legal obligation for the alleged debt 2. Your authority to collect or report the account 3. The accuracy and completeness of all information furnished to any consumer reporting agency Failure to comply with this request may constitute continued violations of federal law and will be documented accordingly with the CFPB and any other appropriate regulatory or legal authority. 

This notice is not an acknowledgment of liability, nor does it constitute permission to continue communication. Any future contact outside of legally permitted responses will be considered harassment and noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 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: Paypal Holdings, Inc
State: WI

Complaint narrative:
I am writing to formally complain about the continued withholding of my funds in the amount of {$450.00}. This deposit was initiated on XX/XX/year> and has been marked as " Pending '' or " On Hold '' for XXXX  days. Despite my account being in good standing and fully verified, Venmo has failed to provide a specific reason for this hold or a definitive timeline for release.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I have filed an FTC complaint and a complaint with the XXXX XXXX against Spring Oaks Capital after researching this company and its unlawful collection and reporting practices. The first violation is that I never received any written notice from Spring Oaks Capital before this account was placed on my credit report, in violation of FDCPA 809 ( a ). 
This same alleged debt is being reported twice on my credit report as SPRINGOAKCAP and SPRINGOAKS, both under Account XXXX. XXXX and both for {$830.00}. Reporting the same debt multiple times under different names is misleading, inaccurate, and constitutes duplicate reporting. 
More than 30 days ago, I requested full debt validation, including the name of the original creditor, documentation proving I have a legal obligation to pay, an itemized breakdown of the balance, and proof that Spring Oaks Capital has the legal right to collect and report this debt. No validation has been provided. Despite this, the account continues to be reportedtwicewhich constitutes continued collection activity without validation in violation of FDCPA 809 ( b ). 
Reporting duplicate and unverified information also violates FCRA 623 ( a ) ( 1 ) ( A ) and demonstrates a failure to conduct a reasonable investigation as required by FCRA 611 ( a ). In addition, this reporting does not comply with XXXX XXXX reporting standards, which require accurate, non-duplicative, and consistent reporting across all credit bureaus. 
If Spring Oaks Capital claims it has proper validation, that documentation should be attached directly to this CFPB complaint, as it has not been provided to me by mail or any other method.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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