vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: KY

Complaint narrative:
Aargon Agency I am filing a complaint regarding an inaccurately reported collection account by Aargon Agency Inc., related to a utility bill from XXXX XXXX XXXX. This account stems from a property that was tenant-occupied at the time the charges were incurred. Under a valid lease agreement, the tenantnot myselfwas responsible for the water bill. I previously notified XXXX XXXX XXXX of this and provided documentation confirming tenant responsibility. I was informed that the issue would be resolved. Despite this, the account was later sent to collections and is now being reported on my credit file by Aargon Agency Inc. I was never properly contacted or notified by the collection agency prior to this account appearing on my credit report. I dispute this debt and do not believe I am personally liable for it. The reporting appears to be the result of incorrect information being provided by the original creditor and a failure to properly verify responsibility before furnishing the account to a third-party collector. This situation is negatively impacting my credit due to an error that I had already addressed with the original creditor. I am requesting the following : - A full investigation into the accuracy of this account - Immediate removal of this collection account from my credit reports- Confirmation that I am not personally liable for this debt - That XXXX XXXX XXXX recall the account from collections and correct their records

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 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
I will keep opening this complaint until I get justice. Complaints XXXX, XXXX were closed which makes no sense to me I need justice!!!!!! Dispute # XXXX. This dispute was opened with Wells Fargo because this was a takeout order and the chicken was undercooked. I had reached out to the restaurant and they had accepted to give me a refund, but that refund never came through and they asked me to dispose the chicken and the refund would go through, but I never got the refund. Hence I opened this dispute and the manager at Wells Fargo agreed to open the dispute, knowing what the situation was and had accepted to open this dispute. Now, I see that the dispute is denied and closed which I dont agree with because this was opened by the Wells Fargo manager, stating that it was a valid dispute so I need my money back as the merchant had agreed to give me a refund but it never went through. This is very frustrating to deal with especially with a bank like Wells Fargo.

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 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing this complaint against Block, Inc. ( Cash App ) for failure to address merchant fraud occurring in a commercial setting ( XXXX XXXX XXXX ). On XX/XX/XXXX, at the XXXX XXXX XXXX XXXX in XXXXXXXX XXXX a merchant ( XXXX XXXX, XXXX XXXX ) coerced me into using Cash App by explicitly refusing protected payment methods like XXXX. This was a premeditated 'steering ' tactic used by the merchant to bypass consumer protections, which I later discovered Cash App does not provide for commercial transactions. The merchant sold me a 'live ' animal that was terminally ill and deceased shortly after. Cash Apps system failed me in XXXX ways : It allowed a business to operate as a peer-to-peer user to avoid merchant accountability. It provided no mechanism to dispute a fraudulent commercial transaction despite the merchant using their platform to conduct business at a public expo. Cash Apps refusal to investigate this account, despite clear evidence of commercial activity and predatory steering, violates the spirit of the Electronic Fund Transfer Act ( Regulation E ) regarding unauthorized or fraudulently induced transfers. I am requesting that the CFPB compel Cash App to reverse this transaction and investigate this merchant account for deceptive trade practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding the failure of a creditor/collection agency to properly reinvestigate and validate a disputed account on my credit report, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I previously disputed the accuracy of this account and requested proper validation, including documentation bearing my signature and proof of the alleged obligation. However, the company has failed to conduct a reasonable reinvestigation and has instead continued to report the account without providing adequate verification. This conduct appears to be in violation of my rights under federal law, including but not limited to : * Failure to conduct a reasonable reinvestigation under 15 U.S.C. 1681i * Failure to provide proper disclosure of information under 15 U.S.C. 1681g * Continued reporting of unverifiable or inaccurate information Despite my request, I have not received sufficient evidence to substantiate the validity of this debt. Simply stating that the account has been verified without providing supporting documentation does not meet the legal requirements for validation. As a result, I am requesting the following : 1. Immediate reinvestigation of the disputed account 2. Full validation of the debt, including original signed agreement and complete account history 3. Deletion of the account from my credit report if proper validation can not be provided 4. Written confirmation of the results of the reinvestigation If this matter is not resolved promptly, I am prepared to pursue further action to enforce my rights under applicable consumer protection laws. Please investigate this matter and ensure compliance with all applicable regulations. Sincerely, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Fl XXXX XXXX [ Last XXXX of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: TX

Complaint narrative:
On XX/XX/XXXX, Plaza Services LLC placed collection tradelines on my XXXX XXXX XXXX XXXX consumer credit files for an alleged debt purportedly originated by XXXX XXXX XXXXXXXX XXXX XXXX XXXX had never communicated with me before that date. No call. No letter. No email. I have no knowledge of any account with XXXX XXXX XXXX. I did not open any account with XXXX XXXX XXXX. I did not authorize anyone to open an account in my name. The alleged debt is not mine. Plaza Services LLC 's furnishing of derogatory tradelines without prior consumer contact violates Regulation F, 12 C.F.R. 1006.30 ( a ), which prohibits a debt collector from furnishing information to a consumer reporting agency regarding a debt before communicating with the consumer about the debt. The first communication from anyone in the Plaza Services collection chain arrived on XX/XX/XXXX, XXXX days after the tradelines were placed. It was an email from XXXX XXXX XXXX XXXX, Plaza 's collection agent. A second email followed on XX/XX/XXXX from a different domain. XXXX XXXX XXXX XXXX carries an Entity Status of Forfeited Existence on the records of the XXXXXXXX XXXX XXXX XXXX XXXX Filing No. XXXX, and had no legal authority to conduct debt collection in the XXXXXXXX XXXX XXXX at the time of either communication. Plaza Services LLC selected and deployed an unauthorized agent to make first contact with a Texas consumer. I have filed FTC Identity Theft Report XXXX. XXXX ( XX/XX/XXXX ) and XXXX Complaint No. XXXX ( XX/XX/XXXX ) in connection with this matter. I am requesting deletion of all tradelines furnished by Plaza Services LLC to XXXX XXXX XXXX XXXX, permanent cessation of all collection activity, and a prohibition on transfer or resale of the alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
So my son opened a PayPal account when he was 14 under my email account, they didnt know such proof of age or anything else now I send them the proper documentation. I have both my licenses from Florida in Michigan. My email is in my name and has my name clearly in it with my middle initial and they will not let me close the account they told me it will be 10 years before I could actually do anything with the account now I just want to closed so that I can open one because I need to transfer some money obviously I will have to use the other means but this is crazy that I show them the exact proof of who I am in my email. I get verification codes through my email and I only have access to my email but they will not help me in any way shape or form. My son gave them a fake name and they didnt even check any type of proof to of that name and he doesnt have any proof of that name either because its a fake name. when I call PayPal, they refuse to do anything with the account as they tell me is it its permanently closed and I can not access it for the next 10 years. I cant even take my address and my debit card that I just put on it. I can not remove these this information now I have to get a whole new debit card so that I wont be charged by PayPal which Im sure I will somehow someway theyll find a way to charge me even though the account is completely closed. I think this is wrong. I have all the information I need to prove who I am to give to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank error and delay in returning funds after account closure Bank of America Bank of America closed my account XX/XX/XXXX and issued a cashiers check around XXXX for the remaining balance of roughly {$43000.00}. The check was mailed to an incorrect address, despite the fact that I never changed my address and my correct address was on file. This error was entirely on the part of Bank of America. The check was returned to sender and received back by Bank of America on or around XX/XX/XXXX. The bank has confirmed that the original cashiers check has since been canceled. Despite this, Bank of America has failed to reissue my funds or provide any clear timeline for when I will receive them. I have contacted customer service multiple times and have only been told that the request is in the queue, with no meaningful updates or accountability. As a result of the banks error and continued delay, I have been without access to {$43000.00} of my own money for an extended period. This has caused significant financial hardship and stress. There is no valid reason for further delay, as the original check has already been returned and canceled. The bank is currently holding my funds without providing access or any clear timeline nor information as to when I can expect it! I am requesting that Bank of America : 1. Immediately reissue my funds without further delay 2. Provide the funds via expedited delivery or alternative method ( such as wire transfer ) 3. Provide a clear and documented timeline for resolution 4. Acknowledge and correct the error that led to the check being sent to the wrong address This issue has been ongoing since XX/XX/XXXX and requires urgent resolution.

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 2026-04-27 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:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: IL

Complaint narrative:
I check my credit report spoke all three bureaus then I call the debt collector to inform I did not recognize these accounts and asked for verification of me owing this debt yet to receive a response

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding the failure of a creditor/collection agency to properly reinvestigate and validate a disputed account on my credit report, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I previously disputed the accuracy of this account and requested proper validation, including documentation bearing my signature and proof of the alleged obligation. However, the company has failed to conduct a reasonable reinvestigation and has instead continued to report the account without providing adequate verification. This conduct appears to be in violation of my rights under federal law, including but not limited to : * Failure to conduct a reasonable reinvestigation under 15 U.S.C. 1681i * Failure to provide proper disclosure of information under 15 U.S.C. 1681g * Continued reporting of unverifiable or inaccurate information Despite my request, I have not received sufficient evidence to substantiate the validity of this debt. Simply stating that the account has been verified without providing supporting documentation does not meet the legal requirements for validation. As a result, I am requesting the following : 1. Immediate reinvestigation of the disputed account 2. Full validation of the debt, including original signed agreement and complete account history 3. Deletion of the account from my credit report if proper validation can not be provided 4. Written confirmation of the results of the reinvestigation If this matter is not resolved promptly, I am prepared to pursue further action to enforce my rights under applicable consumer protection laws. Please investigate this matter and ensure compliance with all applicable regulations. Sincerely, XXXX XXXX XXXX cedar XXXX XXXX XXXX XXXX Fl XXXX XXXX [ Last 4 of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: SC

Complaint narrative:
I filled a dispute through chime bank about goods ( clothes ) I never received from a small business I found offline. I never received the items and never got in touch with the merchant so I started a dispute through chime bank and it was denied. So now they arent giving me my money back nor did I receive what I paid for. This is not the first time chime has done this but this is my first dispute through the cfpb because of the amount I disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, my husband and I went to the XXXX XXXX XXXX dealer, where after trying to close the deal, my husband delivered a XXXX XXXX XXXX and exchanged it for a XXXX XXXX XXXX with XXXX miles. That day we signed a first contract where the original payment stayed at XXXX per month but we added a guarantee that seemed like a good deal and the payment went up to XXXX per month which was fine, this first contract was with XXXX. On XX/XX/XXXX, I received a call that we have to return to the dealer to sign because the bank do not accept and now we would have the same contract but with a different bank that would be capital one. I was at the dealer around noon, the financier named XXXX opened the documentation and went directly to the parties i had to sign without giving me the option to read and check if everything is fine, I asked him if everything remained the same and his answer was that the only thing that had changed had been the bank and the same happened with my husband when he went in the afternoon to sign. On XX/XX/XXXX, I received a notification from the application of capital one where it says that I have a new loan, when I opened the information I realize that the payment had gone up from XXXX to XXXX at month increased the time of the loan and consequently the interest to be paid. My husband returned to the dealer on Saturday, XX/XX/XXXX to be explained what had happened and his answer was that this is what we had signed and that there was nothing to do. Today, XX/XX/XXXX, I went to the dealer to explain these changes to me and the answer was the same, that we had seen the contract and that was what we signed. On several occasions he repeats that if we had seen those numbers we would never have taken the van and that we never had the opportunity to review the contract since my name appears incorrect and the answer of the dealer was that he call the bank and that they arrange the name but that outside of that they could not do anything for me and that the payment difference was only XXXX dollars as if it were a big thing. I feel deceived, humiliated and annoyed, since they had hours sitting so as not to give us any solution and tell us that either you pay for it or you pay for it, that is already a problem for us and that they have nothing to do with it. When from the beginning they performed a bad service full of lies and lack of professionalism and clarity throughout the purchase process playing with the money of his clients as if nothing mattered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The merchant ( XXXX ) submitted a refund of {$1700.00} on XX/XX/XXXX but it never landed in my account. Multiple attempts to resolve the issue has failed. The merchant would not reprocess the refund and kept insisting I check with the bank ( Citi ). I disputed the charge but they bank responded the merchant " will not honor the credit request ''. I submitted a copy of the refund receipt from XXXX to the bank but they just ignored it. The merchant then has tried to reimburse me via a taxable host payout, they said they can not refund back to the original payment method and insisting I fill out tax form online to receive the payout to my bank account. I am a guest trying to receive a refund not receive taxable income as a host. To date there has been no resolution from either the merchant or the bank to resolve getting that money back.

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 2026-04-27 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I bought a mattress for {$1800.00} in XX/XX/XXXX. Was told promo was for interest free financing. The manager at the store told me to set up minimum payments and that it'd be interest free. I set up min payments on autopay and never thought about it. I had assumed that the min payment was to pay off the bed before any promotion ended. I had in the past tried logging into the website but they had changed their log in and I couldn't log in. I just found out this week that in XX/XX/XXXX the promo period ended. I had a {$700.00} balance at that time so all the deferred interest was added to the account. {$1000.00} of interest ( 38 % APR ). There was no email notification about this besides an email saying to log on to see your statement. I've been continuing to pay the minimum payment but now I owe {$1700.00} {$1300.00} of that is interest, when the bed only cost {$1800.00}. I tried call customer service multiple times and finally spoke to someone. They refused to reduce the interest owed. I paid the {$370.00} principle last week and turned off autopay. I would have paid the balance in XXXX if I was told. Seems unethical to not let the customer know the promo had ended.

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