vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I am filing a formal complaint regarding multiple returned payment fees assessed on my credit card account. My account originally had a balance of approximately {$40.00}. However, repeated payment attempts were made from a bank account that I do not recognize and did not authorize. These failed attempts resulted in nearly {$200.00} in returned payment fees. I did not add, approve, or have knowledge of this bank account being used. I contacted customer service and was advised that the fees would not be removed, and responsibility was placed on me for not updating my account. This is incorrect, as the payment method in question is not associated with me. Due to this issue, I was forced to close the account to prevent further unauthorized activity. I am requesting the following : * Immediate removal of all returned payment fees * Written confirmation that no negative information related to this issue will be reported to any credit bureau * A full investigation into how an unauthorized bank account was used for payment attempts on my account This situation reflects either a system error or unauthorized activity and should not result in financial penalties or harm to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
Make this a pdf please ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Date : XX/XX/year> Subject : Debt Validation Request FDCPA 809 To Whom It May Concern, I am requesting validation of the alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA 809 ), you are required to provide proper documentation to validate this debt. Please provide the following : - A copy of the original signed contract - Complete account payment history - Proof of your legal ownership of this debt - Chain of assignment from the original creditor - Name and address of the original creditor Until this validation is provided, you must cease all collection activity and reporting on this account. If you can not provide this documentation, you must delete this account from all credit reporting agencies immediately. Failure to comply will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. This is not a refusal to pay, but a request for validation. Sincerely, -- - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
This is a supplemental complaint regarding my previous case # XXXX. Despite my prior dispute, GoodLeap has now failed to respond to a statutory UCC 9-210 Request for Accounting ( sent XX/XX/year>, delivered to GoodLeap XX/XX/year>, deadline expired XX/XX/year> ). This demonstrates a continued pattern of bad faith and refusal to comply with financial transparency laws. The dispute is regarding a {$69000.00} debt with GoodLeap, LLC. This installment loan was originated through fraudulent inducement. I was marketed a 'No Cost ' government program by a solicitor ( XXXX XXXX ) who explicitly guaranteed 'No Debt, No Lien, and No Loan '. The identity of the lender, GoodLeap, was entirely suppressed, and was only discovered later when GoodLeap started their collections efforts. A GoodLeap manager has admitted to failure of material financial disclosures, resulting in this fraudulent loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: SC

Complaint narrative:
Transworld systems ( original creditor ) {$2400.00} ( open balance ) Opened ( XX/XX/year> [ 10 months ] )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Subject : Employment-Related Fraud / Non-Delivery of Services/ Patterned Online Scheme Description of Incident : On XX/XX/year>, I was contacted through XXXX XXXX by individuals operating under names including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. These individuals promoted paid services involving resume revisions, job application assistance, and employment-related assessments, presented as part of obtaining legitimate work-from-home employment. I agreed to purchase a resume revamp and related assistance for {$35.00}. Payment was sent via XXXX to XXXX XXXX ( phone : XXXX ) with confirmation number XXXX and memo XXXX XXXX XXXX for the Resume. After payment was sent, I did not receive the promised resume services or any job-related assistance. Communication ceased, and the account used to communicate became unavailable, indicating I was blocked or the account was deactivated. This activity appears to be part of a broader pattern involving recruitment through social media, followed by directing users to external links for paid job assistance services that are not delivered. Associated Accounts, Groups, and Links ( Observed Connections ) The following links and pages were observed as part of the same or related network of activity promoting similar services : Link hub : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additional XXXX share/group links connected to the same activity pattern XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email addresses associated with services : XXXX XXXX Pattern of Activity The activity follows a consistent pattern : Recruitment of job seekers through XXXX groups and posts Promotion of paid services for resumes, job applications, and assessments Redirection to external links ( XXXX, XXXX XXXX, etc. ) Collection of payment ( XXXX or other methods ) Failure to deliver promised services Disappearance, blocking, or rotation of accounts These actions appear consistent with deceptive employment-related service practices. Impact This incident resulted in financial loss and reliance on misleading employment-related claims, which delayed legitimate job-seeking efforts. Evidence Available XXXX transaction confirmation and recipient details Message records showing service offer and payment request Links to associated groups, pages, and service funnels Evidence of account unavailability after payment

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 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
On XX/XX/year> I purchased {$25.00} worth of gas at a XXXX located at XXXX XXXX XXXX XXXX XXXX, NY. When I received my Credit Card bill there were charges in the amount of {$25.00} and {$26.00} made on the same date. I only purchased {$25.00} of gas in the am and was provided with a receipt which had no date or time. I disputed the bill and was advised that I should go to the gas station to dispute the additional charge. Subsequently, I was advised that XXXX had submitted proof to the company that I had made a second purchase there that day in the evening. I never made another purchase there on the same day. The only time I was there was during the day. I do remember that there were problems with the pumps that day and that I needed to go into the store to make the purchase. I believe that I was erroneously charged for a purchase that day which was never made.

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 2026-04-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: TN

Complaint narrative:
On XX/XX/XXXX a third party bill pay was requested in the amount of {$3400.00} the bank contacted me on XX/XX/XXXX to say that they were clearing this payment that I did not give to that person dont know who it was but the bank gave me a copy of the check. Put in complaint about them giving my money to someone. The bank said to close the account because the same person was trying to cash two more checks on XX/XX/XXXX for {$2400.00} and another check on XX/XX/XXXX for {$1900.00} so they closed my account for me. I have been fighting with the bank ever since XX/XX/XXXX. They have denied me my money back. I also reported it to the police department here. I need my money back. Please can someone help me.? thank You XXXX 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 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
I completed a settlement payment of {$8000.00} with GoodLeap regarding a XXXX XXXX ( ending with XXXX ) associated with a property in XXXX XXXX, Texas. The settlement was completed on XX/XX/2026, and payment was delivered. However, Goodleap has failed to release the XXXX XXXX or provide a termination statement. The title company has funded the transaction is currently holding {$44000.00}. pending the lien release. The delay from Goodleap is preventing final disbursement and completion of the transaction. Despite multiple follow-ups by both myself and title company, GoodLeap has not provided any update or resolution. Additionally, GoodLeap stated they no longer service the account but refused to provide any further information or taken responsibility of issuing the lien release. As the secured party of record, Goodleap remains responsible for releasing the lien after settlement. Their failure to do so is causing financial harm to me and delaying the transaction completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: DE

Complaint narrative:
I had work done on my vehicle at a local auto shop. I paid XXXX for the work. I got the estimate on XX/XX/year> and the work was done on XX/XX/year>. On XX/XX/year> I drove from XXXX to XXXX and the issue i paid them to fix started again. On XX/XX/year> I contacted them and I was told that its fine. I told them that it is doing exactly what I brought it to them for. That conversation went nowhere. I took it to another shop that told me that the other shop didnt replace everything that should have been replaced and to fix what they didnt fix it would cost another XXXX. At that time I contacted the bank to dispute the charge and they requested paperwork and still denied my request. They will not approve my request even though i submitted paperwork showing that the work was not done. I am not sure what to do at this point

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: The Receivable Management Services LLC
State: GA

Complaint narrative:
Re : Formal Dispute of Inaccurate Credit Reporting FCRA 623 ( a ) ( 1 ) ( A ) To Whom It May Concern, I am writing to formally dispute the accuracy of information your company has furnished to the credit reporting agencies regarding the account referenced below. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher of information is prohibited from reporting information to a consumer reporting agency if that information is known to be inaccurate. At this time, I have reason to believe that the account you have reported does not meet the standard of accuracy and completeness required under federal law. The information being reported is inaccurate and/or incomplete. I am requesting that you conduct a thorough investigation of this matter. If you can not provide verifiable evidence that this account is accurate, complete, and properly attributable to me, you are required under federal law to cease reporting this account and request its deletion from all credit reporting agencies to which you have furnished data. Please provide the following : Documentation bearing my signature that proves I have a contractual obligation for this debt Complete account history, including the original creditor and chain of assignment Proof that the information reported complies with FCRA accuracy requirements If your investigation determines that the information can not be verified, I expect immediate deletion of this account from my credit file. Please note that failure to comply with the FCRA may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies available under federal law. I request that all correspondence regarding this matter be sent to the address listed above.

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 2026-04-28 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: ID

Complaint narrative:
I am filing this complaint regarding Cash Apps refusal to investigate and reimburse {$4000.00} in fraudulent transfers resulting from an imposter scam involving a person falsely posing as Cash App customer service. I was selling a chair on XXXX XXXX on XX/XX/year> when I was contacted by an individual claiming to be the buyer. During the transaction, I was manipulated by a scammer impersonating a Cash App customer service representative. The scammer instructed me to create a Cash App account and directed me to transfer funds totaling {$4000.00}, in three transactions ( {$2000.00}, {$1000.00}, and {$1000.00} ), while assuring me that the funds were safe and protected by Cash App as part of the buyer payment process. The scammers misrepresentations caused me to believe I was dealing with legitimate Cash App customer support. I have a recording of the impersonator repeatedly assuring me that the funds were secure, as well as screenshots documenting the transaction and communications. Once I realized I had been defrauded, I immediately reported the incident to Cash App and provided supporting evidence, including screenshots and the recording of the impersonator posing as Cash App support. Cash App denied my claim on the basis that the transactions appeared approved, stating there was nothing they could do. Cash Apps denial ignores the fact that these transfers were induced by fraud through impersonation of Cash App customer service. My approval of the transactions was obtained under false pretenses. Cash App failed to meaningfully investigate the fraud evidence provided and failed to address the impersonation that directly caused the loss. I am requesting that Cash App reopen this investigation, review the evidence provided, and reimburse the {$4000.00} transferred as a result of this imposter scam. I am also requesting that Cash App provide the records and basis for its denial. I have filed reports with the FTC and local law enforcement and am prepared to provide all supporting evidence, including screenshots, recordings, and account records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
XXXX it was my XXXX XXXX from the iRS i was hacked outta my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: DE

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 explanation
Consumer complaint received 2026-04-28 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: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I am filing a complaint regarding a dispute that was incorrectly denied by Suncoast Credit Union. I made a purchase from a merchant and only received a partial shipment. Two of the most expensive items in my order were never shipped or delivered. However, my dispute was denied because the merchant provided proof that a package was delivered. The issue is that this was not a full delivery dispute it was a partial fulfillment issue. The tracking information only confirms that one package was delivered, not that all items in my order were shipped. I contacted Suncoast Credit Union to reopen or review the case, but I was told the dispute is locked and that nothing further can be done. I was not offered a reconsideration, appeal, or the ability to submit additional evidence showing that the missing items were never shipped. I have documentation showing : - My full order confirmation with all items listed - Proof of what was actually delivered - Communication attempts with the merchant showing lack of resolution I am requesting that Suncoast Credit Union : 1. Reconsider or reopen my dispute under the correct classification : items not received partial shipment 2. Allow me to submit my supporting documentation 3. Conduct a proper investigation based on the full facts of the case This situation has caused financial loss and significant frustration, as I paid for items I never received and have been unable to get assistance from either the merchant or my financial institution. I would like this matter reviewed and resolved appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I am filing this complaint because Wells Fargo failed to properly investigate and resolve fraudulent electronic fund transfers totaling {$4000.00} from my checking account and denied my claim without providing an adequate explanation, despite the disputed transactions appearing on my account statement. On XX/XX/XXXX, I was selling a chair on XXXX XXXX when I was contacted by an individual posing as a buyer. During the transaction, I was deceived by a scammer impersonating XXXX XXXX support and was fraudulently induced into initiating transfers from my Wells Fargo account in the amounts of {$2000.00}, {$1000.00}, and {$1000.00}, totaling {$4000.00}. The scammer falsely represented that these transfers were part of a secure verification process required to receive payment for the item I was selling and assured me that the funds were safe and would be returned. I relied on these material misrepresentations when initiating the transfers. As soon as I realized I had been defrauded, I immediately contacted Wells Fargo to report the fraudulent transfers and requested an investigation. I also provided evidence supporting my claim, including account statements showing the disputed transactions, screenshots, and recorded evidence demonstrating that the transfers were induced by false representations. Despite this, Wells Fargo denied my claim and stated that it did not see the {$4000.00} in withdrawals, even though the disputed transfers are clearly reflected on my checking account statement. Wells Fargo did not explain how it reviewed my claim, what transactions were reviewed, why the statement-documented transfers were not recognized, or why the evidence I submitted was disregarded. Wells Fargos response indicates that it failed to conduct a reasonable investigation of the disputed transfers and failed to provide the basis for its denial. Although I physically initiated the transfers, my authorization was obtained through fraudulent impersonation and material misrepresentation. Wells Fargo failed to meaningfully review the evidence that these transfers were fraudulently induced. I am requesting that Wells Fargo : Reopen and conduct a full investigation into the XXXX disputed transfers totaling {$4000.00} Provide the records and findings relied upon in denying my claim Reimburse the {$4000.00} removed from my account as a result of this fraud I have also filed reports with the FTC and local law enforcement and am prepared to provide all supporting documentation, including statements, screenshots, and evidence of the scam.

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