vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WLCC
State: TN

Complaint narrative:
On Monday XX/XX/year>, I sent a written request to XXXX XXXX to Revoke authorization to debit my account automatically and that I would make other arrangements to pay the debt. They declined to comply and tried to take the funds out earlier than the due date of Friday. When the account was first set up, I set my communications preferences to not be contacted via phone call, but on Thursday, they called me and left a voice mail. I then sent a written request on XX/XX/year> to stop calling me. They sent an email that I shouldn't get any more calls. ( the request was to include not calling my, my family, or my place of employment ). Then today I get a call from them again after my written request to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: PulteGroup, Inc.
State: FL

Complaint narrative:
Pulte Mortgage NOTICE OF RIGHT TO CANCEL. TILA ( Truth In Lending Act, 15 USC Section 1601 et seq ; 12 CFR Part 266 ) allows three ( 3 ) days to review Disclosure Documents. The entire loan/mortgage process and Mortgage Note referenced herein and throughout, was obtained by wrongful acts of fraud, fraudulent inducement, concealment and fraudulent misrepresentation, the alleged Borrowers has other recourse, right, and cause of action under numerous State and Federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 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: FL

Complaint narrative:
On or around XX/XX/year> funds totaling {$1700.00} were transferred from my Cash App account into a savings account during a time when my device had been stolen and I did not have secure access to my account. I reported the issue to Cash App and explained that I was unable to properly monitor or secure my account due to the stolen device situation. Despite my efforts to resolve this directly with Cash App, I received responses stating they were unable to retrieve the funds. I do not believe my concerns were properly investigated, especially considering the circumstances involving unauthorized access and my inability to access my original device. This money was intended for essential living expenses, including rent and bills, and the loss of these funds has caused significant financial hardship. I escalated this matter directly with Cash App Complaint Operations. On XX/XX/year>, I received a final response from Cash App stating they had thoroughly investigated my concerns and were closing the case. However, they did not provide any meaningful explanation of the investigation findings, device access review, IP/login review, or evidence supporting their conclusion. At the time of the disputed transfer, I did not have secure access to my original device because it had been stolen. I informed Cash App of this issue during the investigation process. Despite explaining the circumstances and the financial hardship caused by the loss of {$1700.00}, Cash App denied recovery and closed the matter without providing sufficient transparency regarding their investigation. I am requesting : * A detailed review of account/device access history * Documentation of the investigation findings * Reconsideration of reimbursement based on the circumstances reported * Confirmation of whether unauthorized access indicators were reviewed I am requesting : * A full investigation into the transactions and account access history * Review of any login/device activity associated with the transfer * Reconsideration of reimbursement or recovery options * Written documentation explaining the investigation findings I have attempted to resolve this matter directly with Cash App before filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Resurgent Capital Services L.P., acting as servicer for LVNV Funding LLC, sent 21 separate email communications between XX/XX/year> and XX/XX/year>, approximately every two days, to an email address I provided to the original creditor ( XXXX XXXX XXXX. ) for account management purposes only. I never used that email address to communicate with XXXX XXXX about this account. Under Regulation F, 12 C.F.R. 1006.6 ( d ) ( 4 ) ( ii ), a debt collector may only contact a consumer by email if the consumer both provided the address to the original creditor AND used it to communicate with the original creditor about the account. That second requirement is not satisfied. Each of the 21 emails constitutes an unauthorized electronic communication in violation of Regulation F and the FDCPA. Additionally, Resurgent 's initial communication on XX/XX/year> was sent by email only no physical letter was ever sent or received. That email contains only the mini-XXXX disclosure and does not contain the validation notice required by 15 U.S.C. 1692g ( a ), including the 30-day right to dispute, the right to request verification, and the right to request the original creditor 's name. No subsequent communication within five days contained the required notice. This is a confirmed violation of 1692g ( a ). Because the validation notice was never provided, the 30-day dispute window has never commenced and my dispute rights remain fully intact. I served a formal written dispute and demand for verification on XX/XX/year> by U.S. Certified Mail. I have preserved records of all 21 email communications as evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Recovery Services, Inc.
State: NJ

Complaint narrative:
I am submitting this complaint regarding Financial Recovery Services , Inc. attempting to collect an alleged XXXX XXXX XXXX account ending in XXXX for {$2300.00}. I dispute this alleged debt and requested proper validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Despite my dispute, the company has attempted to collect the account without providing sufficient documentation establishing that I am legally obligated for the debt. The collection notice failed to include competent evidence such as : - a signed agreement or application, - complete payment history, - proof of ownership or assignment, - or documentation verifying the accuracy of the amount claimed. Under federal law, a debt collector must provide meaningful validation of an alleged debt when disputed within the validation period. Merely stating the balance owed is insufficient. Additionally, if this account is being furnished to consumer reporting agencies without proper investigation or verification, such conduct may violate the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ) and 1681s-2. I am requesting the following : 1. Full validation of the alleged debt ; 2. Copies of all documents bearing my signature ; 3. Proof Financial Recovery Services has legal authority to collect ; 4. Immediate cessation of collection activity until validation is completed ; 5. Deletion of any inaccurate or unverifiable reporting from all consumer reporting agencies. This complaint is submitted in good faith to protect my rights under federal consumer protection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: NY

Complaint narrative:
Name : XXXX XXXX U.S. Bank XXXX Credit Card : XXXX XXXX XXXX XXXX Last 4 digits of card : XXXX XXXX XXXX XXXX XXXXXXXX Phone number on file : ( XXXX ) Email Address : XXXXXXXX XXXX XXXX I have a U.S. Bank credit card. I completed the required spending to earn a promotional bonus of miles. Over the past 5 months I have called U.S. Bank at least 10 times. Each time, representatives and supervisors told me the bonus miles would be deposited, but they have not been. The U.S. Bank also sent me a written letterstating that the bonus miles would be deposited, but the miles still have not posted to my account. I am requesting that U.S. Bank : 1. Credit the full bonus miles that were promised ; and 2. Provide a written explanation for the delay and why the bonus was not credited after multiple confirmations.

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 2026-05-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
In the timeframe of XX/XX/XXXX and XX/XX/XXXX I was a victim of fraud. My computer was hacked. The fraudster installed XXXX XXXX app on my computer and purchased 3 gift cards. XX/XX/XXXX {$470.00} Target Gift Card, XX/XX/XXXX, {$470.00} Target Gift Card, XX/XX/XXXX $ {$220.00} Target Gift Card. I called Target to say I had been a victim of fraud, not only with Target but with XXXX XXXX XXXX checking account and XXXX credit card. ( I have already been reimbursed by these companies within 3 weeks of my claim ) They sent me a Target Fraud Questionairre which I completed promptly. About 90 days later ( XX/XX/XXXX ) I received a letter denying my claim for {$1100.00}. They said the gift cards were sent to my personal email which requires my full CC #. They deduced since the gift cards were sent to my email address, I received the cards. I sent an appeal letter explaining the fraudster hacked into my computer and had access to my email and accounts. Through phishing or credential stuffing and sent the cards to an email they control ( my assumption after doing research on fraud ) I explained that I took my XXXX XXXX XXXX XXXX XXXX XXXX 3 times to finally rid my computer of the malware - actually remote access to it. They are asking for another 90 days to investigate. I called twice in the meantime because they are making me pay minimum due and interest charges. They said they would reduce the investigation time until the end of XXXX but I think 4 months is long enough time. I don't believe they will help me. They did concede to remove the minimum due requirement. I've been a loyal Target customer for 6 years and always paid my bills on time. Incidentally, to my knowledge, during that time have never purchased a Target gift card online.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 2026-05-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: UT

Complaint narrative:
I have rented a XXXX bedroom duplex from XXXX XXXX XXXX company, who are located at XXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXX. I rented the place for almost 4 years, in XX/XX/XXXX I have moved out. I have emailed the company about it and they said in the email the following " We are happy to go our separate ways. Please make sure that the home ( XXXX bed duplex ) is clean and in rent ready condition when you leave per terms of your lease. Then there will be no need for further communication. '' Then months latter they send me to Collection Company Hunter Warfield without any communication about some made up story that they had to fix up the place and that I owe them {$2100.00}. I have not received any emails about the debt, when I moved out I agreed for them to keep my deposit. Then there was nothing from them after the email I mentioned above. When I moved into that XXXX bed duplex the place was in a terrible condition! Smelled like XXXX XXXX everywhere, walls was dirty, bathroom had mold everywhere. I have pictures as proof of what I'm describing here. Now, I'm here being sent to collection for a lie they made up about them having to fix the place up. This place was supposed to be fixed up before I moved in. They promised that they will have someone come to fix it and never did while I lived there. All my family and friends knows that I'm a very clean and organized person!!! I can't believe they made this up and hurt my credit!! if you look at their reviews they are known for lying and deceiving people. Someone needs to look into them!! All I'm asking is for them to make it right to me and remove the false claims and debt from my credit. I have attached pictures from the date I moved in XXXX to show that the place was not in good condition. I'm not a lier. When I moved out the place was in a better condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
SUNRISE CREDIT SERVICE is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISE CREDIT SERVICE 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 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 2026-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
I am submitting this complaint regarding a XXXX fraud/imposter scam dispute involving my account with First Citizens Bank . I was deceived into sending funds through XXXX as part of what First Citizens Banks own investigator acknowledged appeared to be an imposter scam. During my conversations with the investigator, I was informed that the transaction displayed several indicators commonly associated with imposter fraud, including suspicious activity tied to the receiving XXXX account and characteristics consistent with deceptive fraud tactics. The investigator specifically stated that she believed I had been deceived and that the transaction met the indicators of an imposter scam. I was also informed that there was a possibility the receiving bank or XXXX could return the funds if the receiving account had been flagged for suspicious activity. However, I was later informed that the receiving bank and/or XXXX disagreed with the fraud determination and declined reimbursement or recovery of the funds. I respectfully dispute the characterization of this event as merely an authorized payment without fraud implications. While I technically initiated the transfer, I did so only because I was deceived through impersonation and fraudulent misrepresentation. This was not a case of buyers remorse or accidentally sending money to the wrong person. The payment was induced through deceptive conduct that First Citizens Banks own investigator recognized as an imposter scam. I am requesting : 1. A detailed written explanation of the denial rationale used by the receiving bank and/or XXXX. 2. Confirmation of whether the receiving account was investigated for suspicious or fraudulent activity. 3. A review of whether this claim was improperly categorized as a standard authorized transaction rather than an imposter/deception-based fraud claim. 4. Reconsideration of reimbursement or recovery options based on the documented deceptive nature of the transaction. I appreciate the assistance First Citizens Banks investigator provided during the investigation and believe the facts of this case warrant additional review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Company : Comenity Bank Product : Credit card Issue : Incorrect information / Identity theft Narrative : I am a victim of identity theft. An unknown individual opened a fraudulent XXXX retail credit card ( account ending XXXX, issued by Comenity Bank ) on XX/XX/XXXX at a XXXX store in XXXX, TX using my personal information and a copy of my drivers license without my knowledge or consent. The fraudulent balance is {$1200.00}. I reported the fraud to Comenity Bank by phone on XX/XX/XXXX, filed an FTC Identity Theft Report ( No. XXXX ), and filed a police report with the XXXX Police Department ( Incident No. XXXX, Detective XXXX XXXX, XXXX case remains active ). I also placed credit freezes with all three major bureaus. On XX/XX/XXXX, Comenity Banks Account Protection Team concluded their investigation and denied my fraud claim with no explanation, stating normal billing would resume. On XX/XX/XXXX, Comenity sent a debt collection letter explicitly stating THIS IS AN ATTEMPT TO COLLECT A DEBT and offering hardship payment plans despite the existence of an active law enforcement investigation. I sent a formal written fraud dispute via Certified Mail on XX/XX/XXXX with full supporting documentation including the police report, XXXX fraud confirmation, and FTC report. On XX/XX/XXXX, Comenity issued a second identical denial with no explanation, again stating normal billing would resume.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-11 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: TX

Complaint narrative:
I tried to get this disputed but the debt collection agency denied my request I moved out of the the apartment because of bed bug infestation and my landlord tried to tell me that I brung the bed bugs with me but Ive never had bed bugs a day in my life me, my XXXX XXXX XXXX XXXX, and my wife was bitten by them while we was in the apartment and the apartments didnt want to pay for the bed bugs treatment so I moved out and let them know so now I have an eviction on my record and they put the collection on my credit Ive tried disputing it with all 3 credit agencys XXXX, XXXX , and XXXX and they were all denied to get so I need help getting this removed from my credit report they are saying that I owe {$2600.00} but I dont owe that because they apartment was infested and they did not want to take the appropriate action to get it resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: ZIONS BANCORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX loan officer XXXX XXXX offered me a HELOC on behalf of borrower XXXX XXXX XXXX, XXXX ( property located at XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ) with the following terms via phone : an APR of 4.5 % locked in for 12 billing cycles and a waived appraisal fee. Shortly after that conversation, I sent XXXX XXXX a follow-up email explicitly requesting written confirmation of those terms for my records. She never responded and never disputed or corrected the terms as I stated them. On XX/XX/XXXX, the first closing attempt took place. The promotional rate terms were entirely absent from the closing documentation no mention of the agreed APR or waived appraisal appeared anywhere in the official documents presented. When I inquired about the missing terms, XXXX XXXX produced a blank, unsigned addendum and sent it to me separately outside of the official closing documentation. This addendum was not included in the title documentation or the terms sheet presented at the second closing attempt on XX/XX/XXXX ( XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The promotional terms therefore appeared nowhere in any official closing documentation at either closing attempt. On both closing dates XXXX XXXX was completely unreachable by phone, text, and email, causing notary XXXX XXXX to make unnecessary trips each time. XXXX XXXX, title contact at XXXX XXXX XXXX XXXX ( XXXX ), can corroborate the absence of promotional terms in the official closing documents at both closing attempts. Notary XXXX XXXX was present at both closing attempts and specifically warned me that the apparent strategy was to have me sign the loan documents first and execute the addendum afterward at which point I would have been locked into the loan with no ability to enforce the promotional terms. This would have left me bound to a higher rate with no recourse. XXXX XXXX is now denying the original terms entirely and demanding {$1500.00} for an appraisal fee to be sent by personal check directly to her at the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CO XXXX rather than through any standard institutional payment process. I never signed any documents and no loan was consummated. I am requesting that the CFPB investigate XXXX XXXX and loan officer XXXX XXXX for violations of TILA, RESPA, and the Dodd-Frank UDAAP provisions, and ensure no fees, charges, or adverse credit reporting are applied to any account associated with this transaction.

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