vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: MD

Complaint narrative:
Vance & Huffman LLC To Whom It May Concern : I recently discovered that your company is reporting a collection account on my consumer credit report in connection with an alleged debt owed to XXXX XXXX. I am requesting validation of this debt and the information being reported. I am not admitting liability for this debt and request that you provide documentation sufficient to substantiate your claim and the accuracy of the information furnished to consumer reporting agencies. Please provide the following : 1. The name and address of the original creditor. 2. The date the account was opened. 3. The date of the alleged default. 4. An itemized accounting of the amount claimed to be owed, including any fees, interest, credits, payments, or adjustments. 5. Documentation showing the basis for the balance currently being reported. 6. Documentation demonstrating your authority to collect this debt on behalf of or through assignment from the original creditor. 7. Copies of any agreement, contract, application, or other records relied upon to identify me as the responsible party. 8. Documentation supporting the information currently being reported to consumer reporting agencies. Because I am attempting to determine the accuracy of the information being reported, I request that all future correspondence regarding this matter be provided in writing. Thank you for your attention to this matter. I look forward to receiving the requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bilt Technologies, Inc.
State: FL

Complaint narrative:
Ive repeatedly spoken with careless and bilt. I am not able to use my XXXX limit only up to {$5.00} also point were stolen from my account with no help almost $ XXXX. Free up limits and give my points back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Once I determined that the domestic wire involved fraud, a request was made for PNC Bank to return the funds that I sent to my account at XXXX XXXX XXXX. That request has been ignored by PNC Bank, and I have not received my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
This is my second complaint against this company and its improper and invalid debt collection and its hurting my credit. Please explain this if this debt is validated? Original balance {$5800.00} Than updated to {$4300.00} creditor ledger approximately {$1100.00}. Please explain why the current reported balance does not match the creditors most recent records? Ive disputed this with you all and provided same information to the XXXX credit bureaus. The Creditor sent the lower balance ledger to a government agency and they referred me to file a complaint with Florida XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 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: TN

Complaint narrative:
XX/XX/year> XXXX To Whom It May Concern : I am responding to your recent communication regarding the alleged debt referenced above. This letter is not a refusal to pay, but a request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Under my rights afforded by federal law, I dispute this alleged debt in its entirety and request that you provide competent evidence that I have a legal obligation to pay. Please provide the following : The name and address of the original creditor. The date the alleged debt was incurred. The date of default. The complete payment history, including all charges, fees, interest, and credits. A copy of the original signed contract or agreement bearing my signature. Documentation showing your authority to collect on this debt. Proof that your agency is licensed and authorized to collect debts in my state. A copy of any judgment, if applicable. Documentation proving that the statute of limitations has not expired. Verification that the amount claimed is accurate and legally collectible. Notice of Dispute This debt is formally disputed under : 15 U.S.C. 1692g ( FDCPA Validation Rights ) 15 U.S.C. 1692e ( False or Misleading Representations ) 15 U.S.C. 1692f ( Unfair Collection Practices ) 15 U.S.C. 1692d ( Harassment or Abuse ) Furthermore, pursuant to the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( a ) Furnisher s must provide accurate information. 15 U.S.C. 1681s-2 ( b ) Furnishers must investigate disputed information. 15 U.S.C. 1681e ( b ) Consumer reporting agencies must maintain maximum possible accuracy. 15 U.S.C. 1681i Consumers have the right to dispute inaccurate information. If you have reported this account to any credit reporting agency, including XXXX XXXX, or XXXX, you must mark the account as " Disputed by Consumer '' during the investigation. Until you provide the requested validation, you must cease all collection activity as required by 15 U.S.C. 1692g ( b ). If you can not provide the requested documentation, I demand that you : Cease all collection efforts immediately. Remove any negative reporting associated with this account from all consumer reporting agencies. Provide written confirmation that the account has been closed and deleted from my credit file. Failure to comply with federal law may result in complaints being filed with the : Consumer Financial Protection Bureau Federal Trade Commission My State Attorney General 's Office This letter is sent without prejudice and without admitting liability for the alleged debt. I expect your written response within the time required by law. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 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: AL

Complaint narrative:
I had started receiving emails and calls from XXXX and Jefferson Capital Systems trying to collect multiple debts. At first I thought it was a scam, but then I decided to start responding and letting them know I was unfamiliar with the charges they were claiming I had. On phone calls, they refused to give me any information unless I gave them my social, which I was not comfortable giving since I was already unfamiliar with the charges and companies. Via email, they had a link to their website to where you can dispute the charges, I did this multiple times and never heard anything back. I even replied to an email and asked again for more information and let them know I was unfamiliar with the charge and I got this response with no follow up : We received your notice of a dispute and paused all collection activity. We informed the account owner, Jefferson Capital Systems , LLC. The unknown debt is showing on my credit report and Ive been trying to get it removed. Still have never gotten a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
I financed a car through Ally Financial XXXX. My current total remaining financed balance is {$3500.00}. A vehicle service warranty for {$3500.00} was cancelled on XX/XX/year>, resulting in a refund in the amount of {$3400.00}. A refund check in the amount of {$3400.00} was issued by XXXX XXXX XXXX to Ally Financial on XX/XX/year>, but the car dealership XXXX XXXX of XXXX requested a stop payment on the refund check. That stop payment on the refund check resulted in the {$3400.00} amount being applied back to my financed loan amount. I have made numerous attempts to resolve this matter directly with the car dealership, XXXX XXXX of XXXX, the lender, Ally Financial XXXX and the warranty company, XXXX XXXX XXXX. All parties shift the responsibility to one another while the issue remains unresolved. This has caused unnecessary financial stress, a wrongful loss of my vehicle and harm to my credit.

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 2026-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
To whom this may concern, On XX/XX/year>, I had {$96000.00} fraudulently taken from my checking account with Discover Bank. I immediately notified Discover Bank of the fraud. Discover Bank later informed me they could not stop the fraudulent loss of my {$96000.00}. Since then, I filed a criminal fraud complaint with the XXXX Police Department. Their investigation, with the assistance of the XXXX, showed sufficient proof that the money was taken fraudulently, without my authorization. Attached is a copy of the entire police report and investigation. A suspect has been identified in the report & criminal charges are beinging produced by the XXXX XXXX XXXX XXXX office. I am requesting this documentation be sent to Discover Bank as official proof that this case was fraudulent & I did not give consent for the money to be removed from my account. Discover has not replied to my consistant communication attempts. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, WI, XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On XX/XX/year>, two unauthorized fraudulent transactions for XXXX XXXX laptops, totaling {$8500.00} were made against my XXXX account using the American Express credit card that XXXX kept on file. The fraudsters arranged for the purchases to be delivered to another address for pick up. I immediately contacted the XXXX fraud department and was informed that they would look into the issue. My XXXX account information and my Amex credit card information was never shared with anyone. I requested and received an email from XXXX Customer service stating that the two transactions were fraudulent and that I should contact my bank to address the fraud. I submitted a fraud claim to American Express and included the customer service email stating fraud had occurred. I also included XXXX screenshots and transaction reports showing the address here the purchases had been delivered to. The screenshots also showed the thieves multiple attempts of similar fraud before and after they made the two successful fraudulent purchases. American Express denied the claim with no explanation. I contacted American Express customer service & fraud team and was told that the case was closed due to insufficient information. I then filed a police report and provided the case number and officer 's information to American Express. Within 1 day, I received an email response from American Express stating, " Please be advised our previous decision stands. Therefore, you may consider this case closed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am filing this complaint against Goldman Sachs regarding an unresolved dispute related to a fraudulent artwork purchase. On XX/XX/year>, I purchased a painting at auction for a total price of {$12000.00}, split between two payment methods {$6000.00} through XXXX XXXX and {$6000.00} through Goldman Sachs. I filed a dispute within the applicable dispute window, and have since reopened this same case over 5 times due to Goldman Sachs 's negligence in handling my case. Prior to the sale, and repeatedly before, during, and after the auction, the seller explicitly promised a Certificate of Authenticity ( COA ) for the artwork. This certificate was to be mailed to me as soon as the purchase was finalized. This promise was confirmed multiple times in writing during payment process ( they made me provide my mailing address for this sole purpose ) and via email correspondence with the auction company. The seller never delivered the COA after stringing me along for months. After repeated follow-up attempts, the auction company stopped responding entirely. I disputed the charge with both financial institutions on the grounds of fraud and non-delivery of a material condition of the sale. I have been unable to insure the artwork due to the fact that I have no certificate verifying the authenticity of the piece. XXXX XXXX investigated the matter and ruled in my favor, refunding the full {$6000.00} charged on their account immediately. They determined the transaction constituted fraud. Goldman Sachs, however, has failed to resolve my identical dispute over the remaining {$6000.00}. Despite the same facts, the same transaction, and the same evidence including the email chain showing repeated promises of a COA that was never delivered Goldman Sachs has kept me in an unresolved back-and-forth process for nearly one year without a final decision or refund. I believe the customer support that I have had to contact throughout the past 11 months have all been automated support, as well as the reviewers of my requested supporting documents, as none of my requests and questions have been addressed. I am asking the CFPB to : 1. Investigate Goldman Sachs 's handling of this dispute 2. Require Goldman Sachs to apply the same standard already applied by XXXX XXXX to the identical transaction 3. Facilitate the return of my remaining {$6000.00} I have retained all email correspondence documenting the seller 's repeated promises and subsequent non-response, as well as documentation of XXXX XXXX 's ruling in my favor. I am prepared to provide these upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 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: AL

Complaint narrative:
on XX/XX/year> i worked XXXX til XXXX. when i arrived home, i discovered multiple purchases on my XXXX account from that day. i called chime right then and reported them. my phone was still going off while i was talking to the agent. she cancelled the card that was on the account and gave me amazons number. i reported to them as well. charges were over XXXX i disputed the transactions and was denied, then i gathered time card, addresses the attackers added to my account, screenshots of everything i could see relevant and disputed again. denied second time. i filed police report, idenity theft reeport, emails from XXXX telling me i should get a refund they still denied me a third time.the attackers gained access to my computer through a virus i downloaded. even sent copy of the malware scan. i called and asked for reason but got none.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
THESE COLLECTION ACCOUNTS DO NOT BELONG TO ME AND WERE NEVER AUTHORIZED BY ME. I DO NOT RECOGNIZE THESE ACCOUNTS AND DISPUTE THEIR VALIDITY.

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 2026-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: IL

Complaint narrative:
I am filing this complaint regarding unauthorized international money transfers processed through Remitly. My phone and bank cards were lost or stolen. Shortly afterward, unauthorized Remitly transfers were made from my bank accounts without my knowledge or permission. The total amount involved was approximately {$14000.00} ( {$9800.00} from XXXX Bank and {$4500.00} from XXXX XXXX XXXX ). As soon as I discovered the transactions, I reported them to my banks and filed a police report. I also contacted Remitly and reported the transfers as unauthorized. Since then, I have repeatedly requested information regarding the status of the investigation, whether the recipient received or withdrew the funds, whether Remitly contacted the receiving bank, and what actions were being taken to recover the money. Additionally, during the period when my phone was lost or stolen, I attempted to contact Remitly multiple times ( approximately XXXX to XXXX times ) to report the situation and the unauthorized activity. On several occasions, the calls were disconnected before I could receive meaningful assistance. In one instance, the matter only moved forward after a supervisor from my bank joined the call and insisted that Remitly address the fraud concerns and connect us with the appropriate department. Despite weeks of communication, Remitly has not provided clear answers to my questions. I have only been told that the matter was forwarded to another team and that I would receive an update. During my most recent communications, Remitly stated that they may process a refund if they are able to recover the funds from the recipient. However, they have not provided any timeline, final decision, meaningful details regarding the investigation, or confirmation of what actions have actually been taken. My banks have informed me that recovery of the funds may depend on action taken by Remitly. Meanwhile, Remitly continues to provide only general responses without explaining the current status of the case. I am also extremely concerned because Remitly has suggested that reimbursement may depend on whether funds can be recovered from the recipient. I do not understand why I should bear the loss resulting from unauthorized transactions that I reported promptly. If Remitly is unable to recover the funds, I have not been informed how my losses will be addressed, what protections are available to me as a customer, or how I am expected to recover my money. I am requesting the return of my funds and a clear explanation of what actions Remitly has taken to investigate these unauthorized transfers, recover the funds, communicate with the receiving institution, and resolve my case. I also request a clear status update, a final determination, and an explanation of my rights and available remedies if the funds can not be recovered. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Block, Inc.
State: VA

Complaint narrative:
Did the XXXX feature for XXXX and paid it with Cash App in payments payment history gone and Cash App still says I owe them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am writing to formally dispute false, inaccurate, and unverifiable information appearing on my consumer credit report. After multiple reviews and failed attempts at proper reinvestigation, it has become clear that your continued possession and transmission of this data constitutes criminal misuse of my personal identity under 18 U.S. Code 1028A Aggravated Identity Theft. Your agency is using my name, Social Security number, date of birth, and other identifying information to distribute false and unverifiable data, such as alleged late payments, incorrect balances, and other negative account information. Despite prior notices disputing these entries, you have continued to furnish this data without producing : Any original contracts or applications, Complete payment records, Or legally admissible proof of the validity of the derogatory entries. As a result, you are knowingly publishing and transmitting false data tied to my personal identity without lawful authority. The continued use of unverifiable information attached to my identity after dispute, and your failure to lawfully validate it constitutes aggravated identity theft under federal law. While some accounts may have originated from me, the inaccurate negative information being published now is false, lacks verification, and is being attached to my identity in a misleading and harmful manner. You are knowingly attributing inaccurate financial behavior to me, damaging my reputation, and using my PII to falsely profile me in violation of federal and consumer protection statutes.

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 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I had over {$490.00} in atm withdraws that were fraudulent and PNC denied me getting a refund all they gave was the {$21.00} atm Fees not the actual money taken out. I had a total of XXXX transactions back to back, that they did not stop or flag.

Company response to consumer: Closed with explanation