vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I have made numerous reports against Cash app/block inc. and they refuse to give any information. I keep getting the same generic script, basically stating that they have no information to provide, But whenever it becomes available, they will contact me. Theyve been saying this for the last year. I HAVE ASKED OVER AND OVER FOR THE SETTLEMENT ADMINISTRATOR DOZENS OF TIMES. Also, I made a scam report and they refuse to do a proper investigation and closed my dispute. I need proof that an investigation was conducted, and I need details of the people who conducted the investigation, names, titles, dates, etc..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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: FL

Complaint narrative:
I am not liable for debt with LVNV Funding. I do NOT have a contract with LVNV Funding, they did NOT provide me with an original contract as requested. I respectfully request this information be removed from my credit reports immediately. to correct this error

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
XX/XX/XXXX LVNV FUNDING LLC CARE OF RESURGENT CAPITAL SERVICES L.P XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX RE : Credit Reporting Account Number : * XXXX, * XXXX, * XXXX, * XXXX, * XXXX, * XXXX and * XXXX To Whom It May Concern : On my credit reports are a collection from LVNV Funding LLC. The collection accounts do not identify an original creditor, account number, open date or any information about the debts that you are reporting on. I dont believe I owe your company any money. None of my creditors have said I should pay you. If you claim to have acquired debts that I owe, then provide me with all the documentation and information proving you own this debt. Be sure to include any documents showing there were debts that I owed and that you bought those debts. I also want documentation on how the amount of the debts were determined. You are reporting that I owe debts in the amounts of {$1400.00}, {$1900.00}, {$1700.00}, {$840.00}, {$930.00}, {$520.00} and {$1300.00}. What documentation do you have to support that I owe these amounts? If you have the information and can show that you are legitimate, then I will pay these debts. But if you do not have this information, I will not be paying you any money and request that you cease collecting on these debts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : Credit Reporting Account Number : XXXX XXXX XXXX XXXX To Whom It May Concern : On my credit reports are a collection from XXXX XXXX XXXX. The collection accounts do not identify an original creditor, account number, open date or any information about the debts that you are reporting on. I dont believe I owe your company any money. None of my creditors have said I should pay you. If you claim to have acquired debts that I owe, then provide me with all the documentation and information proving you own this debt. Be sure to include any documents showing there were debts that I owed and that you bought those debts. I also want documentation on how the amount of the debts were determined. You are reporting that I owe debts in the amounts of {$1700.00} and {$1000.00}. What documentation do you have to support that I owe these amounts? If you have the information and can show that you are legitimate, then I will pay these debts. But if you do not have this information, I will not be paying you any money and request that you cease collecting on these debts. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I was notified three years ago that I would automatically receive a borrower 's defense student loan discharge because my school was convicted of fraud. Since then, I am stuck in limbo with my student loan servicer, Aidvantage. On XX/XX/year> Student Aid.Gov said my borrower 's defense discharge was completed. However, my servicer ( Aidvantage ) refuses to finalize it on their end and I have been " pending '' for six months, during which time my other loans in forbearance ( automatically due to the discharge ) continue to accrue interest. By not " completing '' the discharge, they are also holding up a refund that is due based on the discharge. It appears like my servicer has a financial interest in dragging this out as long as they can. I've called to ask for info, and they tell me they are waiting on Student Aid.Gov, I call Student Aid.Gov and they tell me there is nothing they can do. I'm stuck and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC
State: OK

Complaint narrative:
I've told them " Do not call '' and/or " do not contact me '' multiple times. Hopefully XX/XX/year> is the last day I have to tell them. It's an XXXX accent every time. All of my accounts are current, so I am unsure why this would be happening. When I asked if I should go ahead and report this to the CFPB, he told me I was breaking up. Eventually he did acknowledge that I said do not call. I have tried this in the past yet I still receive calls. I am also on a national do not call registry, which I am unsure how legitimate that is, but I shouldn't be receiving these calls every day. Please stop.

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 2026-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I am filing this complaint against Transworld Systems Inc. because it is continuing to report and/or collect a {$53.00} collection account that is the result of identity theft. This account does not belong to me, I did not authorize it, and I do not accept responsibility for it. I submitted an identity theft report to the credit reporting agencies, along with proof of identity and a written statement identifying this Transworld Systems Inc. account as fraudulent and not connected to any transaction I made. Despite that notice, this collection account is still appearing on my credit report. This is not a normal I disagree with the debt dispute. This is an identity theft matter. Under FCRA XXXX, XXXX XXXX. XXXX, the credit reporting agencies are required to block information that I identified as resulting from identity theft after receiving my identity theft report, proof of identity, identification of the fraudulent account, and my statement that the account is not mine. The bureaus are also required to notify the furnisher of the identity-theft block request. Once Transworld Systems Inc. received notice that this account was identified as identity theft, Transworld had no legitimate basis to keep furnishing this account as a valid collection debt. Under FCRA XXXX, XXXX XXXX. XXXX ( a ) ( XXXX ), furnishers must have reasonable procedures to respond to identity-theft block notices and prevent refurnishing blocked identity-theft information. If Transworld received my identity theft report directly or through the credit reporting agencies and still continued furnishing the account, that is exactly the kind of conduct the FCRA is meant to stop. If Transworld is continuing to communicate this account to the credit bureaus as a valid debt after being placed on notice that it is disputed and the result of identity theft, that also raises concerns under FDCPA XXXX, XXXX XXXX. XXXX, including XXXX ( XXXX ) ( A ), XXXX ( XXXX ), and XXXX ( XXXX ). Reporting or continuing to report a debt as collectible when the company knows or should know the debt is disputed and tied to identity theft is false, misleading, and harmful. This collection account is damaging my credit, reputation, and ability to obtain housing and financial approvals. Transworld Systems Inc. has had notice that this account is disputed as identity theft, and continuing to report it is unacceptable. I want this account removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo failed to fully restore my account to pre-fraud status after a claim was made and resolved ( in my favor ) in XXXX. They applied my one-time courtesy overdraft waiver to a fraudulent charge while it was being investigated. After investigation closed, my account was penalized by the overdraft waiver not being reset. Because the bank wrongfully exhausted my waiver on a crime, I was charged a {$35.00} overdraft fee on a recent transaction. I was NOT notified of the overdraft when it occurred on XX/XX/XXXX, but the next day. I received an email XX/XX/XXXX at XXXX CST stating I needed to get my account balanced and gave me an end time of XXXX EST, so roughly 10 hours. Mind you, during the busiest part of my day. As soon as I saw the e-mail, I deposited money on XX/XX/XXXX but was still charged the {$35.00} fee the following day. Regular customer service acknowledges the error but claims 'the system won't let them ' fix it because my courtesy option has already been exhausted on the fraud charge. The Executive Office opened a case but has delayed resolution for two weeks. No investigation has been conducted thus far and to be frank, there is nothing to investigate. I called to follow up with the executive office on XX/XX/XXXX since she established a relationship with me on XX/XX/XXXX and the case manager admitted that she had not looked into it yet and has until XX/XX/XXXX to resolve it internally.

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 monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rubin & Rothman, LLC
State: NJ

Complaint narrative:
Rubin & Rothman is collecting {$8100.00} for XXXX XXXX XXXX account XXXX * * * * that I do not owe due to identity theft. Facts : GAP Insurance paid XXXX in full via check # XXXX for {$8300.00} on XX/XX/XXXX. XXXX negligently mailed check to XXXX XXXX XXXX, XXXX XXXX NJ. I have not lived there since my divorce XX/XX/XXXX, XXXX XXXX. I filed XXXX XXXX Police Report # XXXX for Fraud on XX/XX/XXXX. I notified XXXX Fraud Dept via fax XX/XX/XXXX XXXX, Confirmation # XXXX Result : OK. Agent XXXX # XXXX falsely stated " no fax found '' on XX/XX/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 2026-05-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
XX/XX/XXXX Complaint Against : American Express XX/XX/XXXXBankXX/XX/XXXX Product XX/XX/XXXX High Yield Savings Account XX/XX/XXXXIssue Type : XX/XX/XXXX Advertising and Marketing / Rewards Not ReceivedXX/XX/XXXX Complaint :XX/XX/XXXX On XX/XX/2025, I received a targeted promotional email from American Express offering a {$400.00} cash bonus for opening a new High Yield Savings Account and depositing at least {$25000.00}. The offer explicitly stated that it was available to recipients who did not currently have an American Express savings account. Relying on this representation, I took the following actions in good faith : XX/XX/XXXX Opened a High Yield Savings Account on XX/XX/2025 using the promotional link XX/XX/XXXX Deposited {$25000.00} into the account within the required timeframe XX/XX/XXXX Maintained the required balance in accordance with the stated terms Despite fully complying with the conditions, I have not received the {$400.00} bonus. When I contacted American Express customer service, I was informed that I am ineligible because I had previously opened a High Yield Savings Account that was later closed. This explanation is both inaccurate and unsupported : XXXX. I have never previously opened or maintained a High Yield Savings Account with American Express. XXXX. My account history and American Express online portal reflect only XXXX such account. XXXX. No prior account was disclosed, referenced, or verifiable by me at any time. More importantly, even if American Express claims such a prior account exists, the promotional email did not clearly disclose that prior account history would disqualify eligibility. The stated condition was based on not having an existing account at the time of the offer, which I satisfied. This situation raises serious concerns regarding :XX/XX/XXXX Deceptive or misleading marketing practices XX/XX/XXXX as I was specifically targeted with an offer for which American Express now claims I am ineligibleXX/XX/XXXX Lack of clear and transparent termsXX/XX/XXXX, particularly regarding prior account history and eligibility restrictionsXX/XX/XXXXUnfair denial of a promotional incentiveXX/XX/XXXXafter I fulfilled all stated requirements As a result, I request : XXXX. Immediate issuance of the {$400.00} promotional bonus as advertised XXXX. A formal explanation of the eligibility criteria applied in my case, including any reliance on undisclosed or ambiguous terms XXXX. Clarification of whether American Express is using internal criteria not disclosed in its promotional materials to deny consumer benefits I believe this matter constitutes an unfair and potentially deceptive practice under consumer protection standards, as I relied on a targeted offer and fulfilled all visible requirements. I have attached the original promotional email for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sunbit, Inc.
State: SC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under XXXX XXXX XXXX ( b ) ( XXXX ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute and demand the immediate blocking and removal of fraudulent information appearing on my credit report as a result of XXXX XXXX. I am a victim of XXXX XXXX. I have filed Federal Trade Commission Identity Theft Reports documenting the fraudulent activity involving unauthorized buy now, pay later accounts and related credit activity that I did not open, authorize, apply for, consent to, or benefit from in any way. The FTC Identity Theft Reports attached to this dispute include : FTC Identity Theft Report No. XXXX FTC Identity Theft Report No. XXXX These reports confirm that fraudulent accounts and/or charges appeared on my credit report and that unauthorized XXXX activity was discovered after I reviewed my credit reports. I did not authorize these accounts, did not receive goods or services from them, and did not provide permission for anyone to use my personal identifying information to open or use these accounts. Fraudulent Information to Be Blocked and Removed Please immediately block, delete, and remove from my credit file all accounts, tradelines, inquiries, balances, payment history, late payments, collections, charge-offs, remarks, or negative reporting associated with the following furnishers and/or account names : XXXX XXXX XXXX Any and all accounts, buy now pay later loans, personal loans, charges, balances, inquiries, late payments, collections, or related reporting. XXXX XXXX XXXX XXXX Any and all accounts, loans, balances, inquiries, late payments, collections, charge-offs, or related reporting. XXXX XXXX Any and all accounts, XXXX XXXX reporting, balances, inquiries, late payments, collections, charge-offs, or related reporting. This information resulted from XXXX XXXX and is not information relating to any transaction made by me. Formal Demand Under FCRA 605B Pursuant to FCRA 605B, 15 U.S.C. 1681c-2, I demand that you block the reporting of the above fraudulent information from my credit file within the time required by law. I am providing : Proof of my identity ; Copies of my FTC Identity Theft Reports ; Identification of the fraudulent information to be blocked ; and This written statement confirming that the disputed information does not relate to any transaction made by me. Please do not treat this as a general credit dispute. This is an XXXX block request under FCRA 605B.

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 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I contacted my XXXX dealership where my sister and I leased a XXXX XXXX XXXX XXXX from in XX/XX/XXXX2025. I co-signed with my sister but she lost her job and was unable to make payments leaving me stuck in a bind. I tried to contact the dealership first and they referred me to XX/XX/XXXX since they cant do anything to help me. I contactedXX/XX/XXXXseveral times ( XXXX ) to try to see my options to get a lease transfer done for us and any process that would work to do a lease transfer. Unfortunately they gave us XXXX options to do the lease transfer and told us the only option we have is to ask a dealership to buy out the vehicle which will leave us with overXX/XX/XXXXXXXX in negative equity and over XX/XX/XXXXXXXX left in payments if we pay off the lease which we can not afford neither option of course just as many cant.XX/XX/XXXX is leaving us with no options out of this and we are stuck in a pickle as a result unfortunately. Id like to file a formal complaint against XX/XX/XXXX regarding no mechanisms to allow lease transfer options for such unfortunate circumstances. This is beyond unfair to the consumer.

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 2026-05-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Chesmar Homes
State: TX

Complaint narrative:
I am submitting this complaint regarding my experience with Loan Originator XXXX XXXX during my homebuying process with Chesmar Homes. Based on my experience, and discussions with other homeowners, and review of applicable lending requirements, I believe there should be a formal review of the loan process, disclosures, and consumer treatment practices involved in these transactions. I did not receive my Closing Disclosure at least XXXX business days prior to closing as required under federal law pursuant to the TILA-RESPA Integrated Disclosure ( TRID ) Rule under Regulation XXXX XXXX XXXX XXXX ( f ). The closing documents were only sent to me on XXXX evening on XX/XX/XXXX at XXXX XXXX XXXX from business closing, just hours before my scheduled closing on XXXXXXXX afternoon, XX/XX/XXXX. This did not provide adequate time to properly review the loan terms, fees, obligations, and final financial documents before signing. Despite me asking for Closing documents in a timely manner. Additionally, the Loan Officer did not sit down with me or explain the closing documents in detail. I was instructed to sign the documents digitally on XX/XX/XXXX which I did, but there was no thorough review of the terms, obligations, or financial impact of the loan with XXXX prior to signing. The overall process felt rushed, unorganized, and lacking the level of transparency and guidance expected during such a significant financial transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc.
State: SC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under XXXX XXXX XXXX ( b ) ( XXXX ) yet they have placed a collection on your consumer report recently.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation