vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
After XXXX of resident of this leasing property ( always paid on time 1st of the month ) I have informed the leasing company manager, 3 months in advance of not interested in renewal of my lease. My biggest concern and complaint was about maintenance tardy response for service tickets. Also issue with un-assigned parking while some unused vehicles are eternally parked on parking spaces. Noisy neighbors etcpossible management has been changed or rotated but always someone different in the office. Well after paying my final bill for pro-rated rental agreement. I received another letter stating that I was not allowed to leave for breaking lease contract. After many attempts to reason with the landlord agent they send me to collections without notice or final agreement. Please help me with this unfair treatment and damage to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: FIRST CITIZENS BANCSHARES, INC.
State: CO

Complaint narrative:
I opened a savings account with CIT Bank one week ago and initiated funds transfer from another account into this savings account. I tried unsuccessfully logging into the CIT online account today. The website made it appear my username or password wasn't correct. I chose the " reset password '' option and entered the verification code I was texted and the website then said " We are unable to process your request. Please contact the Customer Engagement Center at XXXX ''. I called the Customer Engagement Center and was told the account was closed and, " we have the right to close accounts ''. This was after a {$50000.00} funds transfer. Doing some investigating online, I've learned some banks may suspend or close accounts after a large deposit because it can look like money laundering. Fine. But I was never NOTIFIED of my actions looking suspicious or the account being closed. There was never even an email notification. The Customer Engagement rep said I'll be receiving a check in the mail of my remaining balance. I asked for a reference number for my call and was given XXXX. If I hadn't tried logging into the online account, the only way I would have been notified would have been after receiving the check?? This is standard practice? What if I had thrown out the check thinking it was junk mail? I had received 5 other emails when setting up the account but nothing when it's closed at CIT discretion? Are they worried about fraud or simply don't want to fulfill their current high APY on a somewhat large account balance?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am filing this complaint against PayPal regarding two unauthorized charges from XXXX XXXX ( seller email : XXXX / website : XXXX ) that posted to my account on XX/XX/year> in the amounts of {$53.00} and {$94.00}. I did not authorize either charge and have never had a business relationship with XXXX XXXX. I never ordered anything from this merchant and never received any product or service from them. These charges are consistent with a widely documented fraudulent pattern by this merchant. XXXX is the operating website of XXXX XXXX and has multiple verified consumer complaints for identical unauthorized recurring charges through PayPal, with cancellation links that go nowhere. I filed disputes through PayPal 's Resolution Center. Both cases were closed in the seller 's favor within approximately one hour of being filed, with no meaningful investigation. PayPal cited tracking information provided by the seller as justification, however tracking information does not constitute proof that I authorized the transactions or received anything. The {$94.00} case was subsequently refunded by the seller and is being returned to my original payment method. The {$53.00} case remains unresolved. I attempted to file an appeal through PayPal 's Resolution Center before the XX/XX/year> deadline but the Appeal Outcome button referenced in PayPal 's own help documentation does not appear on the case page. PayPal 's customer support directed me back to the same non-functional button repeatedly, making it impossible to appeal through their system. I have also filed a written email complaint with the California Department of Financial Protection and XXXX and my bank has an active chargeback dispute in process. Case ID : XXXX Disputed amount : {$53.00} Merchant : XXXX XXXX / XXXX / XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
I am formally disputing the inaccurate, inconsistent, and deceptive reporting of a medical collection originating from XXXX XXXX ( XXXX : XXXX ) .This account is being reported under two different names ( " XXXX '' on XXXX and " COLLECTION MANAGEMENT '' on XXXX ) with conflicting payment histories. This is a violation of the FCRA. This debt is associated with a XXXX XXXX XXXX on XX/XX/XXXX. This was a legal/insurance matter handled by XXXX XXXX XXXX . Collection Management has failed to provide a Validation of Debt or a Chain of Title proving they have the legal right to report this. I was a XXXX XXXX at XXXX XXXX No such debt was verified or required for settlement during my background processing in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
Hey my name is XXXX today I woke up in the morning and saw a text that this person name XXXX XXXX enter hacked my chime account and transfer them self XXXX XXXX I have the prove in my phone that some one log in in my account and that that person took that money without my permission I dont even know this person or seen this person I know the name cause it says it on my chime account and is not fair me working and saving for some one to just hacked me and take away money that dont belong to them I just need help please help me I work under the son hard for my money please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: MARINER FINANCE, LLC
State: FL

Complaint narrative:
I want this removed from my credit report and stop calling my phone

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: GA

Complaint narrative:
I saw an unauthorized transaction on my account on XX/XX/XXXX from XXXX and I contacted Cash App and today is the XXXX XXXX of XXXX and they have been telling me to wait until the transaction is complete completed. No it is completed and I still cant get my money back. Its a total of {$190.00} and that is too much money for me to lose. I contacted XXXX and they were able to tell me what order the transaction is from and what account but that account is not associated with me. It is under a XXXX XXXX and I dont know who that is. I have been requesting for this to be reversed to my account and Im getting no help and I need to buy my babys formula.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
This communication constitutes a formal debt validation request pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). You are also hereby notified that the validity of this debt is disputed in its entirety, and you are ordered to cease all collection activity including reporting or forwarding information to any credit reporting agency until complete, specific, and verifiable validation has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

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 2026-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding the conduct of a representative from this debt collection agency, as well as concerns regarding inaccurate debt collection and a credit inquiry. On XX/XX/year>, I contacted the agency regarding an account that I was attempting to dispute. During this call, the representative behaved in an unprofessional and aggressive manner. She raised her voice, repeatedly interrupted me, and refused to allow me to explain that insurance payments had already been made on the account. Despite my attempts to provide relevant information, I was told I was wrong, and the representative continued speaking over me rather than engaging in a professional discussion. I was not given a fair opportunity to explain or resolve the issue. During the call, I clearly stated that the balance being collected was inaccurate due to insurance payments and that collection activity should stop while the account was under dispute. The representative responded, we are not going to stop because you owe the debt, and continued attempting to collect the full amount without acknowledging the dispute. Additionally, I have reason to believe that the agency performed a credit inquiry related to this account while it is disputed and inaccurate, which raises further concerns. This conduct violates the Fair Debt Collection Practices Act, including : Use of abusive or harassing communication practices Attempting to collect an inaccurate amount Failure to properly acknowledge and handle a disputed debt For context, the original provider has since confirmed that the account is being recalled from collections due to insurance payments and account review. However, the behavior I experienced during this call remains unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding an invalid collection account reported on my credit file by TEK-COLLECT INC ( Original Creditor : XXXX ) for the amount of {$2500.00}. I am disputing this debt in its entirety because it is completely invalid.I entered into an agreement with XXXX for orthodontic aligners, but the company permanently shut down and declared bankruptcy before fulfilling their end of the contract. I never received the complete product or the treatment I paid for, and they are no longer honoring the " Lifetime Smile Guarantee '' that was part of the original purchase agreement. Because the company ceased operations and failed to deliver the promised goods and services, this underlying contract is void and I owe no debt.Furthermore, attempting to collect on unfulfilled XXXX contracts has already been deemed unlawful. Recently, New York Attorney General XXXX XXXX secured a {$4.00} XXXX settlement on behalf of consumers who were illegally charged by XXXX and its financing partners after the company went bankrupt and stopped providing services. The Attorney General explicitly stated that it is illegal to extract money from consumers for dental services that were never rendered.Despite this, TEK-COLLECT INC is attempting to penalize my credit for a defunct contract from a bankrupt company that failed to deliver its product. I have previously attempted to resolve this directly, and the collection agency refused.This debt is not owed because the goods were never received, and reporting it is a violation of my consumer rights.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, I attempted to send {$1000.00} through XXXX from my Wells Fargo account to a friend. I searched for my friend 's name within the XXXX interface on the Wells Fargo app. The app suggested a contact associated with that name, and I selected it without verifying the enrolled account name. The payment was immediately sent to an unknown recipient. The transaction confirmation showed the account was enrolled under a completely different name than my friend 's, which the app did not warn me about before confirming the transfer. The confirmation code for this transaction is XXXX. After realizing the mistake, I contacted Wells Fargo immediately and reported it as a mistaken transfer. Wells Fargo opened a case and informed me that the funds were received by an account at Bank XXXX XXXX and that they submitted a recall request to that bank. I attempted to contact the recipient using the phone number linked to the XXXX transaction but received no response. A third party also attempted to contact that same number on my behalf. The person who answered denied any responsibility and ended communication. Further attempts to reach out were blocked. I contacted Wells Fargo again with this new information. They confirmed the recall request had already been submitted to XX/XX/XXXXXXXX but stated no further action could be taken on their end. I also contactedXX/XX/XXXXXXXX directly, but they stated the matter needed to be handled through Wells Fargo. At this point the {$1000.00} remains unrecovered. I acted immediately after the mistake, reported it to my bank, and made multiple good faith attempts to contact the recipient, who has been uncooperative. I believe the recipient is knowingly retaining funds they are aware do not belong to them. I am requesting a full investigation into this transaction and any possible action to recover the {$1000.00}. I would also like a clear explanation of what steps both Wells Fargo andXX/XX/XXXXXXXX have taken and whether any further action is possible. I also want to highlight that the Wells Fargo XXXX interface did not provide adequate warnings about the enrolled name mismatch before the transfer was confirmed, which contributed to this mistake.

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 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, Arizona, XXXX XXXX ( XXXX ) XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX RE : CEASE & DESIST / DEBT VALIDATION DEMAND - VIOLATIONS OF THE FDCPA & FCRA ACCOUNT # : XXXX ( XXXX ) To Whom It XXXX Concern : This letter serves as a formal CEASE AND DESIST and DEMAND FOR DEBT VALIDATION pursuant to my rights under the Fair Debt Collection Practices Act ( XXXX XXXX Code XXXX ) and the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ). You are hereby ordered to CEASE AND DESIST all forms of communication with me, my family, or my place of employment regarding the alleged debt referenced above. Your agency has no verified legal right to collect, report, or pursue action on this account without proper and complete validation of ownership and legal assignment of this debt. You are currently in violation of federal law by continuing to report this account to the credit bureaus without substantiating your right to collect. If you can not prove full ownership or legal right to collect this debt, you are knowingly furnishing inaccurate and unverifiable information, which is a direct violation of the FCRA ( XXXX XXXX Code XXXX ( a ) ( XXXX ) ( A ) ). I am formally demanding the following documentation within XXXX calendar days from the date of this letter : The original signed contract or application bearing my signature showing liability for this debt. The complete chain of title or assignment of debt, including all transfers and dates from the original creditor to your agency. A copy of the bill of sale or purchase agreement showing your agency legally owns this debt. An itemized statement of all amounts claimed to be owed, including principal, interest, fees, and charges. Your debt collector license number and the state ( s ) in which you are licensed to collect. Your surety bond information, as required by law in certain jurisdictions. If you are unable to produce the above documentation in full, you are legally required to immediately remove this account from all consumer reporting agencies and cease any collection efforts. Be advised that continued failure to validate, coupled with continued furnishing of false information to credit bureaus, constitutes willful noncompliance under XXXX XXXX. XXXX and is subject to actual, statutory, and punitive damages, as well as attorney fees and court costs. I am documenting all violations and reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general 's office, and seek relief through litigation if necessary. Let this serve as your final warning. Failure to comply within XXXX calendar days will result in further legal action. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am complaining against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: SC

Complaint narrative:
Cash App is holding me liable for unauthorized transactions from an external account I have no connection to, violating my rights under Regulation E. '' I noticed on my cashapp that my balance had gone into the negatives and upon further looking I noticed that there had been transactions from an unknown bank and debit card that added money into my account and then immediately spent it. Which then caused a reversal causing my balance plus whatever money I had to be taken and sent negative. The support team refuses to acknowledge that I have no knowledge of these transactions and basically telling me I am liable which legally I am not in the cause of fraud and just because I did not notice them right away doesnt automatically mean that I made them because I got no emails or notifications about cards being added or funds being transferred.

Company response to consumer: Closed with explanation