vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
My husband opened this card in my name. He paid on it im assuming until we moved and he quit his job. I worked XXXX jobs so he always checked the mail, he would throw away or hide the statements from me so I had absolutely no knowledge. My husband XXXX in a car accident. Once I got notice that I had this in collections, I disputed it. I have other credit cards I pay on time as well as debt in collections I've satisfied. Had this been my actual debt this would have been no different. I would have gladly paid this debt. I dont feel o should be responsible for it considering I never opened this account to begin with

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
This is a follow-up complaint regarding a collection account reported by National Credit Systems XXXX I have disputed this account with XXXX XXXX XXXX XXXX Each bureau marked the account as verified ; however, the information was also updated after each investigation, including changes to reporting dates and account details. Despite multiple disputes, I have not been provided a complete lease agreement, itemized charges, or documentation establishing a contractual basis for the balance being reported. The repeated updating of the account while claiming it is accurate raises concerns about the reliability and consistency of the reporting. The account continues to be reported and verified without proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a secured Credit Card account with capital one and paid a {$200.00} security deposit as required. However, I never received the physical credit card and never activated or use the account. Despite this, the account was later closed and reported on my credit file. I did not make any transactions on the account, and I was never given the opportunity to use the card since it was never delivered to me. Additionally, my {$200.00} security deposit has not been properly returned or accounted for. I am requesting a full investigation into this matter. Since I never received or used the card, this account should not be negatively impacting my credit report. I am requesting that this account be removed from my credit file and that my {$200.00} deposit be refunded immediately, it was never returned. Please provide documentation showing delivery of card, account activity, and the status of my secure deposit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
XX/XX/2026 MCM tried to pull money off of my card, that was not authorized by me, and they tried pulling almost XXXX dollars out of my account. Again, I didnt authorize this payment, they claim I have debt with them, but Im not sure how they obtained my card information, Ive never contacted this company before, let alone never authorized for them to take that payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: United PanAm Financial Corp.
State: RI

Complaint narrative:
Instead of communicating with me, United Auto Credit is communicating with my family members, theyve called my uncle three times in the past month, in the past theyre called my grandmother and a family friend about my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: Chime Financial Inc
State: ME

Complaint narrative:
First there was an incident where my chime Bank somebody took {$55.00} out that I didn't authorize from my pay which I never use when I called chime they told me there was nothing they could do about it and I was out {$55.00} now I just found out I was scammed for XXXX from some company from XXXX and they won't help me refund that either so now I'm out {$88.00} and time will not help me at all

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Issue : Improper debt validation and inaccurate credit reporting I am filing a complaint against Transworld Systems Inc. regarding their failure to properly validate an alleged debt and their continued reporting of this account despite insufficient verification. On XX/XX/year>, I sent a formal written dispute and request for debt validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). In my request, I asked for comprehensive documentation, including but not limited to : - A copy of the original contract or service agreement bearing my signature ; - Proof of assignment or transfer of the alleged debt ; - Documentation establishing their legal authority to collect ; - A complete payment history and accounting of the alleged debt ; - The date of first delinquency ; - Verification that the debt is within the statute of limitations ; - Written documentation or proof of licensing to collect in the State of Texas. In response, Transworld Systems Inc. failed to provide the requested validation. Instead, they : - Sent a copy of a final notice bill. - Provided unrelated informational materials ( hurricane preparedness notices in English and XXXX ). - Stated they updated the account with other credit reporting agencies. This response does not constitute proper validation under federal law. They have not provided competent evidence that I have a legal obligation to pay this debt, nor have they demonstrated that they have the legal right to collect it. Despite failing to validate the debt, they continue to report this account to consumer reporting agencies, which is causing harm to my credit health. This conduct appears to violate : - The Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) for failure to provide proper validation and continued collection activity - The Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) for reporting inaccurate or unverifiable information I am requesting the following resolution : 1. Immediate deletion of this account from all credit reporting agencies. 2. Cessation of all collection activity. 3. Written confirmation that the account has been closed and deleted. 4. Investigation into the companys compliance with federal law. This matter is time-sensitive as the inaccurate reporting is negatively impacting me. I have sent a 2nd notice and Transworld Systems Inc. may be ignoring this formal dispute and trespassing on my right to debt validation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
XXXX pay procedure is immediate withdrawal of funds from payer account with no subsequent confirmation of payee receipt of said funds. This procedure allows the institution to keep said funds in event there is no communication of payee with payer.

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 2026-04-21 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: NY

Complaint narrative:
I received unauthorized charges for {$62.00} from XXXX on XX/XX/XXXX on my Goldman Sachs Apple Card. I disputed these charges because I NEVER made those purchases on that date for that amount. I do use XXXX a lot which most people do BUT those were not my charges. I disputed it multiple times and theyd credit me back but then they charge me again saying XXXX liable for those charges. I asked them what were the items because there is nothing in my XXXX account history for any purchases that day for that amount. The company does not tell me what the items were. I have proof of all my purchases ever on XXXX since XXXX. Anyone could have easily taken my credit card number online and made online purchases through XXXX. There are so many scams. Some scammers will even send items to your address and wait for the delivery vehicle and steal the item from your building or porch. This is only {$62.00} but its scary to think that this credit card company would not investigate this properly. Imagine if this were thousands of dollars that someone used my credit card number for? This credit card company would then blame me for it. That is not right and this has me wanting to cancel this card. I looked online about this problem and there were many complaints on XXXX about this credit card company and they had the same experience as this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Karma, LLC
State: IL

Complaint narrative:
I am disputing inaccurate credit reporting. This account is being reported as a line of credit with severe delinquencies ; however, it was a credit builder/deposit product and is not accurately reported. This account was previously disputed and verified without proper documentation being provided as required under the FCRA. I request complete verification of account type, payment history, and reporting accuracy. If this can not be fully verified, the account must be deleted from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: General Motors Financial Company, Inc.
State: KY

Complaint narrative:
On XX/XX/year>, my vehicle was repossessed. After I was able to retrieve my personal belongings from the vehicle, I discovered that several high-value items were missing. The missing property includes : Cash {$200.00} XXXX XXXX estimated value {$1100.00} Watch estimated value {$350.00} Diamond tennis bracelet estimated value {$2500.00} These items were inside my vehicle at the time of repossession and were not returned to me. I was not provided with a complete inventory list of personal property, nor was I given a clear explanation of what happened to these items while the vehicle was in the possession of the repossession company and/or storage facility. I believe the repossession company and/or creditor failed to properly safeguard and inventory my personal property, resulting in significant financial loss. I have attempted to resolve this matter directly with the creditor and/or repossession company, but the issue has not been resolved. Resolution requested : I am requesting a full investigation into the handling of my personal property, including : A complete inventory of items removed from the vehicle Chain of custody records showing who accessed the vehicle Immediate return of my missing property or reimbursement for its full value If the items can not be returned, I am requesting full compensation totaling approximately {$4100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: CRC Holding, LLC
State: TX

Complaint narrative:
Trying to charge for things that are in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I am filing a complaint regarding inaccurate and unverified information being reported on my credit file. I formally disputed a collection account reported by Resurgent Capital Services/ LVNV Funding LLC. I also contacted the furnisher directly and requested proper validation of the debt. The furnisher failed to provide sufficient documentation to validate the account. Specifically, they did not provide : - A signed agreement or contract - Account-level documentation tying me to the alleged debt - A complete chain of title showing ownership of this specific account Despite this, the credit bureau has continued to report this account as verified. Under the Fair Credit Reporting Act, the credit bureau is required to conduct a reasonable reinvestigation and ensure maximum possible accuracy of all reported information. Given that the furnisher has failed to provide competent evidence of the debt, any verification of this account raises serious concerns about the adequacy of the investigation performed. I am requesting : - A description of the method of verification used- The identity of the party who verified the account - Documentation supporting the accuracy of the account- Immediate deletion of this account if proper verification can not be provided This account is materially impacting my ability to obtain credit, including a mortgage, and must be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
On Saturday XX/XX/XXXX, I received a text message from my bank flagging unauthorized charges. I immediately responded and told them I didnt authorize any of them. They did lock my bank card and sent me to the dispute charges department. At that time, and after extensive conversation I was told that I could not do anything with the 35 charges on the account as they were still pending and had to wait for them to post. Went to the local branch yesterday and they received a new card, and again asked for the charges to be removed. They told me again I needed to wait for them to be posted there was nothing they could do. This morning 20 of the charges have been posted so I called the bank- there are still 6 pending so they told me now that they can not do anything because all of the charges have not posted. In the mean time, my bank account has been cleaned out and I have no money. In the past, they have stopped payment or declined the charges- at least that is what other companies do. While I was at the bank yesterday I learned of more people who had the same incident with the same charges coming from XXXX so I am not the only one out there. There were three of us just in that time alone at that branch that I learned needed new cards because of this.

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 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: NY

Complaint narrative:
I signed a cancellation and refund confirmation document with XXXX XXXX XXXX XXXXn XX/XX/year>, regarding a membership I had previously purchased. The document clearly states that I would receive a refund of {$1000.00} USD within 5 to 7 business days after signing. As of today, I have not received the refund. It has been well beyond the stated 57 business day timeframe. Since signing, I have attempted to follow up regarding the status of my refund, but I have not received a satisfactory response or resolution. At the time of the original sale, I was also misled about the nature of the membership and was told it was not a timeshare. Additionally, alcohol was served during the presentation, which impaired my ability to fully understand the agreement. I later exercised my right to cancel. Despite having a signed cancellation agreement confirming the refund amount and timeline, the company has failed to issue the refund as promised. I am requesting that the company honor the signed agreement and issue the full refund of {$1000.00} immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: Paypal Holdings, Inc
State: CO

Complaint narrative:
I'm trying to close my business account in XXXX, but according to their help articles and automated chatbot, the only way to do it is by contact them. I called the XXXX number they gave me, only to be directed back to the app. Ultimately, it is impossible to close the account even though the business has been dissolved for more than XXXX years. Furthermore, there is no way of speaking to a representative, since all they do is direct you back to the app, which is 100 % automated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C. XXXX ( b ) and the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: OH

Complaint narrative:
I purchased a {$30.00} money order from XXXXXXXX XXXX XXXX XXXX XXXX a few months ago, & sent it to a company of Attorneys. They never received the Money Order after weeks of waiting. I told them that I sent it & of course they did not believe me & told me to contact Western Union to see where the payment went of which I did. I thought they had lost it or threw it away by mistake. I went back to XXXX to recoup my {$30.00} & they told me that i had to call Western Union. Between calling ALL of WESTERN UNION numbers, I went around & around because their system does not work on line even though they think it does, or they know it doesn't & they don't care! I called WU number which is the ONLY number that tells you if it is cashed or not. It HAD NOT BEEN CASHED. I made copies of receipts & everything at the library needed, & sent originals that were requested to WU. They wrote back weeks later saying that I did not have a particular number on their form. NOT true! I sent everything that pertained to my request of my {$30.00} money order back, they denied me a 2nd time, & I never heard anything back & they never said anything since & confiscated my {$30.00} money order. I have not heard anything since & it made it look like I lied to the Attorneys! This is not fair to me & I never, ever heard anything else from WU & AGAIN, they kept my {$30.00} money order & to the company I sent it to makes me look like a LIAR! I was afraid to send anymore money orders & they do not accept my particular credit card online & they may not have a way to accept it. There is a reason WHY I had to mail it in, I forgot WHY I couldn't pay online.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Sequium Asset Solutions, LLC
State: MI

Complaint narrative:
I opened an account with XXXX and I canceled my account within the cancellation period to where I did not have to pay anything. I was assured by the agent that everything had been canceled out however, I am receiving calls, emails and text messages from a secondary debt service cost Sequium asset solutions LLC saying that I still owe over {$100.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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