vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Complaint Against LVNV Funding LLC / Resurgent Capital Services Fraudulent Debt Reporting, Failure to Investigate, and Continued Furnishing of Inaccurate Information I am submitting this complaint against LVNV Funding LLC and/or Resurgent Capital Services for continued reporting and furnishing of an account that I do not recognize, have never knowingly authorized, and dispute in its entirety. LVNV Funding LLC is reporting an alleged account in the approximate amount of {$9100.00} on my consumer credit file. I have never knowingly conducted business with LVNV Funding LLC, have never entered into any contractual relationship with this entity, and dispute any alleged association with this account. Despite disputes and notice, this account continues to be furnished to consumer reporting agencies, materially harming my credit profile, financing opportunities, and overall financial standing. To date, LVNV Funding LLC and/or Resurgent Capital Services have failed to provide competent documentary evidence establishing : A lawful basis to report this alleged debt ; A signed agreement or legally enforceable contractual obligation ; Identity linking evidence connecting me to the alleged account ; Complete chain of title and lawful assignment documentation ; Documentary proof establishing lawful ownership of the alleged debt ; A reasonable investigation into my dispute ; Sufficient evidence supporting continued furnishing of this account. Instead, the account continues to be reported despite my dispute and despite the absence of competent documentary proof establishing legal responsibility. I am particularly concerned that LVNV Funding LLC may be furnishing inaccurate information without maintaining adequate procedures to ensure maximum possible accuracy and/or without conducting a meaningful investigation into disputed information. I formally requested validation, documentary proof, and an explanation regarding the basis for continued reporting. Rather than providing competent evidence establishing legal responsibility, the account continues to be reported in a manner that damages my consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FMA Alliance, Ltd.
State: TX

Complaint narrative:
I am filing a formal consumer complaint against FMA Alliance , Ltd and XXXX XXXX XXXX for predatory medical debt collection, illegal balance-billing, and severe violations of consumer protection laws. In XX/XX/year> I underwent a XXXX XXXX at an in-network hospital. My health insurance provider issued an official Explanation of Benefits ( EOB ) for Claim # XXXX, which explicitly states that a contractually mandated " XXXX XXXX XXXX XXXX XXXX '' of {$3300.00} was applied as an adjustment to the newborn bill of {$3600.00}. This insurance adjustment legally reduced my true patient responsibility for this specific portion of the stay to exactly {$360.00}. Despite this contractually binding insurance adjustment, the hospital ignored the {$3300.00} discount and spent the next XXXX years balance-billing me for the full, unadjusted amount. Acting in absolute good faith, I maintained a payment history through the hospital 's own billing portal, paying {$58.00} every single month excluding XXXX months. Due to a stolen credit card, there was a temporary XXXX month pause, but payments were immediately resumed. Because of my consistent monthly payments over a three-year period, I have completely satisfied my true legal debt of {$1200.00} and have actually significantly overpaid the hospital. Despite having accepted my monthly funds and having XXXX legal right to the contractually written-off insurance discount, the hospital recently placed this unverified, inaccurate balance into third-party collections with FMA Alliance. The collection agency is currently demanding the invalid balance. This unlawful collection action has caused me XXXX XXXX XXXX distress and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, during which I was actively recovering from XXXX XXXX XXXX XXXX XXXX XXXX I request that this collection be closed immediately, removed from all credit reporting consideration, and sent back to the hospital for a full account audit and refund of my overpaid funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA is unlawfully withholding my federally protected XXXX XXXX benefits during an account closure, causing immediate financial hardship. I have spoken with USAA and they have not been any help and frankly do not care. They are making me wait XXXX days until they close my account. I am a 1XXXX XXXX disabled XXXX and retired XXXX member. I have also spoken with XXXX XXXX XXXX XXXX and was told that as soon as USAA can deny this direct deposit that was submitted to them that sits in a pending status as wiring of this complaint that they can and will forward my direct deposit to the correct account on file with them. This is extremely frustrating as it leaves me in a life or death matter if I do not have funds to be able to take care of my XXXX and overall quality of life.

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 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IL

Complaint narrative:
I disputed several transactions with XXXX XXXX and and was denied without a throughly investigation I was told I will receive a full refund from the gaming company after I spent thousands on a game and when I was a big payout they refuse to pay stating its illegal in the state of Illinois after they scammed me out of thousands of dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am filing a complaint regarding my Amazon Store Card issued by Synchrony Bank. My account was closed due to an alleged inability to verify my identifying information. I understand that Synchrony has decided not to reopen the account. However, at the time my account was closed, I had approximately {$100.00} in Amazon Rewards Points that I had earned through card usage. After the account closure, all of my rewards disappeared. I contacted Synchrony Bank multiple times and was informed that the account can not be reopened and that the rewards can not be returned. However, no representative was able to explain the specific terms and conditions that resulted in the forfeiture of my rewards, nor was I provided with a meaningful review or escalation process. My account had a {$0.00} balance and was not closed due to non-payment or delinquency. I am requesting that Synchrony Bank : 1. Provide a written explanation of why my Amazon Rewards Points were forfeited. 2. Identify the specific terms and conditions that authorize the forfeiture of approximately {$100.00} in rewards. 3. Review whether the forfeited rewards can be restored or compensated given that the account had no outstanding balance. Thank you for your assistance.

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 2026-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: WA

Complaint narrative:
I was part of a XXXX group of resellers for XXXX XXXX. I reached out to XXXX XXXX a member selling her tickets. I also reached out to XXXX of the admin to verify her named XXXX XXXX. He confirmed she has had successfully sold to other members. XXXX said that she would sell XXXX tickets and th parking pass for {$500.00} to me. We transacted through Chime. I sent her the {$500.00} and then she stopped replying. I reached out again through facebook and she said she sent the tickets. After this her profile and XXXX 's were blocked from me and I was blocked from the group as well. I reached out to Chime and told them what happened. I spoke to someone and was told they couldn't help. I called again and spoke to someone else and asked to speak to the XXXX. I was transfered to XXXX and she said that peer to peer transfers are not fraud reportable. I asked them to send me a letter/email stating why they would not look into this and they refused. I asked for a copy of my report and they stated there is not a report and would not send it if there was. They then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: TX

Complaint narrative:
Cedar Business Services is reporting a collection account for {$150.00} on my XXXX credit report with XXXX listed as the original creditor. I do not recognize this debt and have never opened a XXXX credit card or financing account. Any purchases I made from XXXX were paid directly using my own debit card. I disputed this account with XXXX multiple times and also contacted Cedar Business Services directly to request validation of the debt. I requested documentation showing the basis of the debt, the original transaction or order number, account records, payment history, and documentation showing that I am legally responsible for the alleged balance. In response, Cedar Business Services repeatedly stated that it was unable to locate the account based on the information provided. I supplied the account information available from my credit report, including the account number reported, the original creditor, and the balance. Despite this, Cedar Business Services did not provide any documentation establishing that I owe the debt and did not identify the transaction giving rise to the alleged balance. My concern is that Cedar Business Services continues to report this collection account to TransUnion while simultaneously stating that it is unable to locate the account when I request validation and supporting documentation. I am requesting that Cedar Business Services either provide documentation establishing my responsibility for this debt and explain the basis for the collection account, or remove the tradeline from all consumer reporting agencies if it can not substantiate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Disputing for the account in question. Within the contents of this dispute Midland Credit Management was asked to provide debt validation for the following information, Chain of Assignment, ( Chain of Title, Forward Flow Agreement and now the bill of sale with ( my name and original account number ) and Insurance claim of the debt. This information was requested on behalf of myself for proof and accuracy for your agency to provide if your agency owns the debt in question. In your integrity your agency proceeded to not provide the documentation asked of you for verification /proof, marking the dispute submitted complaint # XXXX, as a duplicate knowing that it is not. In your agencies failed efforts, on XX/XX/XXXX, Midland Credit Management sent an email threatening to take legal action for a debt your agency has not provided proof of ownership. Within the FDCPA it states I have the right to request debt validation. If I dispute the debt in writing within 30 days of their first contact, the agency must provide verification of the debt, which generally includes the name of the original creditor and proof that they own the debt. Midland Credit Management failed to provide the proof I requested in the original complaint recorded within this context today. Your agency is in complete harassment for a debt you wont provide proof of ownership for within the rights pursuant to the FDCPA. I am aware that any security submitted to XXXX XXXX XXXX was securitized in their trust account, with the verification of their securitization instruments on the companies Sec filings ( XXXX ) ( XXXX ) with the Securities Exchange Commission. Your credit agency is asked to provide the following documentation requested above as this may also constitute as trust fraud on your behalf. Failure to do so may constitute in legal action as your agency has violated rights pursuant to the FDCPA section 809 ( b ). Information not provided verifies your company has no legal rights or title to any alleged debt. In this discovery if the information requested within is not provided by, XXXX XXXX, 2026. I ask that your agency stop all collection activity and permanently remove the account and my non-public information from your records pursuant to the Privacy Act of 1974. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Me and my XXXX year XXXX mother did a XXXX loan on our house for credit consolidation and home repairs. We did a XXXX dollar loan using the equity on our home. Which after all credit cards were paid off we got {$80000.00} wire transferred into my checking account. The issue that occurred is the funds were paid out to my mother 's name on my account which Citibank placed my account on review and in days closed my account and said to wait for a letter. The letter stated that after the closure of 60 days my funds would be paid out to me via a check. This was dated XXXX XXXX. After the 60 days the fraud dept. Told me many different things from we mailed you a check didn't you get it? And the funds need to be sent back to the sending bank. This is my mom 's main bank that i did an account because of the distance and the people of this bank all know her. Now there not giving me any indication that I will ever be able to get my funds. From the date of the last statement after doing a roof on the hkuse thw account had aprox. XXXX dollars that i am paying and on the loan. This bank is been going to 100 days of closure. And only received one letter to date about my funds. I have gone into the local branch and said they need there manger to get back to them. I am very frustrated as there's no fraud. It was a clerical error by the lender and the money is legit and I'm paying interest on this money that there not allowing me any understanding as to how i can get it back. I did this to fix my mother 's home that i occupy as well. As a thank you for providing it for me and my brother. Who passed away in XXXX. There many home repairs that are on hold all because the bank is investigating. I have told the bankers at my local branch i provide any document they need to prove i am on this loan and that i have been paying for it now 2 payments in. I really need help to get this money back and back on track with our repairs please.

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 2026-06-02 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/year> My car was infiltrated and my wallet, amongst other things ( amounting to over $ XXXX {$5000.00} worth ) was stolen on XX/XX/XXXX. The thieves went to spend {$750.00} in XXXX XXXX. I reported it stolen that same day. With Chase, there is an option to keep using the same bank account for XXXX XXXX until I recieve my card, which I did. Because of the fact that I was still using my card via XXXX XXXX, they are claiming I authorized the payment for the {$750.00} from XXXX XXXX which I did not. I never received any notification about the transaction for me to approve it but they are claiming I did and I approved it. Ive looked on my SMS and my emails about such a notification about the {$750.00} charge and it is not there. I have sent them the police report from that day which highlights my car being robbed, which included my debit card and wallet that same day and I have submitted to them a image of a handwritten note from the asset protection XXXX from XXXX XXXX ( who watched the videos of the thief, spending {$750.00} at XXXX XXXX who was not me ), which Chase specifically requested and still denied me. I would just like my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-02 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: Block, Inc.
State: AR

Complaint narrative:
XXXX XXXX, 2026, an amount of {$790.00} was withdrawn from my minor son 's Cashapp account. He was at home with no recent activity to his account, but received a notification that this amount was transferred to an unknown source. My son 's name is XXXX XXXX and I am involved as Cashapp required me to authorize and sponsor his account. We immediately contacted Cashapp through the app to file a dispute and followed up with a call. Through the dispute process, Cashapp instructed us to file a dispute through my son XXXX 's account, then through mine since he is a minor and the account technically belongs to me as well. Each time a dispute was filed, we were told to wait at least 10 days for an answer. After several attempts back and forth, and being assigned case numbers, the dispute process has gone nowhere. The missing piece from Cashapp is them stating we need to disclose where the funds went in order to process a full dispute. This is the entire problem as we don't know where the funds went, who authorized the transfer, and how to have a proper resolution offered. Someone unauthorized attached their account to his, and while we believed his debit card to be protected as stated ( FDIC ), we have had XXXX help from Cashapp in recovering or even investigating this situation. I am at a loss at what else to try for this fraudulent activity. Cashapp has given us nothing but an endless loop. There is no reason we can trust that their banking service is actually protected as they state. The documentation provided below is an example of the correspondence we've had in attempt at a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 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: Block, Inc.
State: VT

Complaint narrative:
I am filing a formal complaint against Cash App ( Block, Inc. ) for a severe violation of the Electronic Fund Transfer Act ( Regulation E ) regarding a disputed transaction for an undelivered XXXX package.I purchased an item from XXXX using my Cash App card. The package never arrived. Amazons carrier ( XXXX ) provided a text-based tracking status of " delivered, '' but they did NOT provide a Picture Proof of Delivery ( PPOD ) showing the package at my residence. XXXX has admitted they have zero photographic or physical proof of delivery to my home. Under the Uniform Commercial Code, the risk of loss remains with the merchant until physical delivery to the buyer is completed. A carrier text scan is not legal proof of transfer of ownership.Cash App completely failed to conduct a reasonable, good-faith investigation under Regulation E. They blindly accepted a carrier text status as definitive proof of delivery while completely ignoring the total absence of visual or physical confirmation. Furthermore, Cash App is actively refusing to reopen the investigation or review the lack of physical proof, holding my funds hostage for merchandise I never received. On XX/XX/year>, I purchased an item from XXXX for XXXX XXXX This package was expected to be delivered on XX/XX/XXXX, but was claimed to be delivered on XX/XX/XXXX. The package never arrived. I contacted the merchant. They told me that I should contact XXXX XXXX, the company they chose to ship the product with. This is their responsibility, not mine. Not a single entity, including XXXX, the merchant selling through XXXX, or XXXX XXXX, took any responsibility in this entire situation. Nobody agreed to provide evidence, documentation, a refund, or the product. It has been over a month of being sent through the ringer by these people. I opened a dispute with my bank. I gave them all of the information I had, including the lack of visual evidence suggesting that I had recieved the product, and they still declined me. So I reopened the case, gave them even more evidence in my favor, showing them a picture of my chat with the merchant, and them being irresponsible and mishandling my situation, and adding additional details. This dispute was declined. So I am here, now.

Company response to consumer: Closed with explanation