vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
Resurgent Receivables is reporting a collection account related to a XXXX XXXX XXXX  credit card on all three major credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX. This collection resulted from fraudulent activity involving an unauthorized XXXX party payment made using stolen bank account information. That fraudulent payment was later reversed, which caused an inaccurate balance to be reported and sent to collections. 

I disputed this account and attempted to obtain documentation to review the fraudulent activity and balance accuracy. During a recorded phone call with XXXX XXXX XXXX, I was informed that they would not provide bank statements or account documentation and that all records were given to the collection agency. 

Despite this, Resurgent Receivables continues to report the debt as accurate without providing any validation, documentation, proof of balance, or proof of legal ownership of the debt. 

Both the original creditor and the collection agency have failed to conduct a reasonable investigation and have continued to furnish inaccurate information related to fraud, in violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. 

I am requesting that this inaccurate collection account be deleted from all credit bureaus immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Ive tried numerous times to get a copy of my 1098. From Mr.Cooper Only to be told they are emailing it to me and I never received it. Im in a XXXX  so they said they would also send it to my attorney which they havent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: TX

Complaint narrative:
I am formally disputing an alleged XXXX XXXX debt being reported and collected by Credit Control LLC. 

I sent XXXX separate written debt validation requests to Credit Control LLC via certified mail. All XXXX  letters were successfully delivered and signed for by their office. Despite receiving multiple formal validation requests, Credit Control LLC failed to provide any documentation, contract, account history, or proof that this alleged debt is valid or that they have legal authority to collect it. 

Despite their failure to validate the debt, Credit Control LLC continues reporting this account to XXXX XXXX XXXX XXXX. This ongoing reporting has caused significant damage to my credit profile. 

Credit Control LLCs actions appear to be in violation of the Fair Debt Collection Practices Act ( FDCPA XXXX ), which requires a debt collector to cease all collection activity XXXX  a consumer disputes a debt until proper validation is provided. Reporting a debt to credit bureaus is considered collection activity. 

Additionally, Credit Control LLC appears to be violating the Fair Credit Reporting Act ( FCRA XXXX ), which requires furnishers of information to report accurate and verified information to credit reporting agencies. Continuing to report an unverified debt after receiving multiple validation requests demonstrates a failure to conduct a reasonable investigation and failure to ensure the accuracy of the information being reported. 

I have retained complete documentation of all XXXX validation letters, certified mail tracking confirmations, and proof of delivery showing Credit Control LLC received my disputes and chose not to respond. 

Their continued reporting of this unverified debt is inaccurate, misleading, and harmful to my credit standing.

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 2026-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Regional Management Corporation
State: AL

Complaint narrative:
Regional finance i keep telling them that I have no knowledge of this account for almost XXXX on my credit report Another one is for XXXX for some company called XXXX  on my credit report XXXX XXXX  for XXXX aswell keep putting that old account they promised to take off my account aswell

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing this complaint regarding Capital Ones handling of a dispute totaling {$8900.00}, involving multiple transactions with XXXX XXXX that were debited from my Capital One checking account. 

The disputed transactions occurred between XX/XX/XXXX and XX/XX/XXXX, and collectively total {$8900.00}. Capital One denied my dispute after reviewing documentation submitted by the merchant only. I was never contacted, notified, or given the opportunity to submit my own evidence before the dispute was closed. Only after the denial did Capital One provide me with an email address to submit documentation. 

The underlying issue is as follows : Between XX/XX/XXXX and XX/XX/XXXX, I purchased XXXX LIVE digital currency ( diamonds ) using my Capital One checking account. These diamonds were credited to my XXXX XXXX account and then transferred to live hosts ( content creators ) on the XXXX XXXX platform. 

After the transfers were completed, XXXX XXXX froze my account and later permanently XXXX it, preventing any further use or access. 

Subsequently, XXXX XXXX reversed and removed the diamonds that had already been sent to the hosts. I have screenshots from the hosts confirming that the diamonds I sent were taken back by XXXX XXXX  As a result, I lost both the {$8900.00} debited from my bank account and the digital goods purchased. My account remains permanently frozen, eliminating any possibility of use, recovery, or benefit. 

Despite this post-transaction reversal, Capital One accepted the merchants assertion that the diamonds were delivered, without considering that the merchant later clawed back the digital goods and retained my funds. This left me with no goods, no access, and no refund. 

In addition, I explicitly requested copies of the merchant documentation and evidence Capital One relied upon in denying my dispute. Capital One has failed to provide these materials, preventing me from reviewing or responding to the merchants claims and denying me a meaningful opportunity to participate in the investigation. 

I am requesting that Capital One be required to : Reopen and properly reinvestigate this dispute covering transactions from December XXXX XXXX  totaling {$8900.00} Review my submitted evidence showing post-transaction reversal of the goods Provide copies of all merchant-submitted documentation and the reason code used to deny the claim Explain how denying this dispute complies with the Fair Credit Billing Act and applicable consumer protection requirements Capital Ones failure to request consumer evidence, reliance solely on merchant documentation, and refusal to provide records used in its decision demonstrates an inadequate and unfair investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX  I purchased a home XXXX XXXX XXXX XXXX ca XXXX. Purchased the property cash for {$400000.00}. My realtor claimed to have never received funds. XXXX XXXX XXXX confirmed receipt of funds. 

XX/XX/year> Purchased XXXX XXXX XXXX in XXXX XXXX CA XXXX Again XXXX XXXX from XXXX claimed not to have received funds but told me to continue payments as it told to $ XXXX after attempting to wire. 

XXXX been putting credit applications and holding deposits to being approved but later declared not have received payments. 

Because of this I'm currently homeless and no one will rent or sell me a house. I have several investments and don't know why I'm being discriminated on. I have settlements I've won and have not been paid out to me. My information is still being leaked and used. I was in the XXXX  data breach and my situation is worse than before. The burals are denying me credit to rent and not helping me with housing or resolutions. I get hung up on and dismissed. I was arrested and fighting a case for burlaring my own home. I went to jail on a home I purchased. Come later found out my house was sold while I was in XXXX. I would like to know what is going on. 

I'm in the process of purchasing another home today but I know something will come up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Linebarger Goggan Blair & Sampson LLP
State: CA

Complaint narrative:
Formal Demand Letter to Linebarger Subject : Formal Complaint and Demand for Proof of Payment or Refund Account # : XXXX Transaction Ref # : XXXX Amount : {$390.00} Date of Payment : XX/XX/year> XXXX XXXX  Dear Sir or Madam, I am writing to formally dispute your failure to forward my payment to the appropriate authority. 

On XX/XX/year> at approximately XXXX XXXX, I paid Linebarger the full amount of {$390.00} in connection with the above-referenced account. This payment was accepted and processed under Transaction Reference # XXXX. 

Despite my payment in full, I have now received notice from the XXXX demanding the same amount, stating that your office has not transmitted the funds. 

This matter is entirely your responsibility. I fulfilled my legal obligation by paying your agency as instructed. Any failure to remit payment is a breach of your duty as a collection agent. 

Accordingly, I hereby demand one of the following within ten ( 10 ) business days of this notice : 1. Written proof that payment has been transmitted to the XXXX, including date and confirmation, OR 2. A full refund of {$390.00}. 

If this matter is not resolved promptly, I will proceed with formal complaints to the Consumer Financial Protection Bureau, the California Attorney General, the Federal Trade Commission, and any other applicable regulatory agencies. I will also pursue all available legal remedies. 

Please consider this letter your formal notice. All further communication regarding this matter must be in writing. 

I expect your immediate cooperation.

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 2026-02-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
I am submitting this complaint regarding an inaccurate and unauthorized charge from XXXX that resulted in a collection account being reported on my credit report.

I did not open, authorize, or knowingly incur the XXXX account or balance being reported. I became aware of the issue only after noticing the collection account on my credit report. The collection is reporting a balance of approximately {$340.00} and is negatively impacting my credit.

I contacted XXXX directly to dispute the account. A XXXX representative informed me that the account was invalid and advised me to visit a store to have the issue corrected. However, despite this acknowledgment, the collection account has not been properly resolved or removed from my credit report, and I have not received written confirmation of the error. 

I am requesting that XXXX and the collection agency provide written verification of the alleged debt. If they can not validate that I am responsible for this account, I am requesting immediate deletion of the collection from all credit reporting agencies. I am also requesting that XXXX correct their records to ensure this does not reappear in the future. This inaccurate reporting has caused financial harm and may affect my ability to obtain housing or credit. 

This account is inaccurate, unauthorized, and should not be reported under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TN

Complaint narrative:
On XX/XX/2025 I paid a debt to Jefferson capital systems, on behalf of XXXX automotive. The original debt was {$470.00}. I paid {$350.00} to settle this debt and have proof of that in a letter. I even included this in the dispute and they refuse to acknowledge it has been paid at all. My online account with Jefferson capital shows I have not even made a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 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: CA

Complaint narrative:
On XX/XX/year>, I sent a certified mail letter to Resurgent Capital Services c/o LVNV Funding LLC disputing the alleged debt in the amount of {$3700.00}, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). 

In my request, I asked for the following documentation : A complete payment history Proof of your authority to collect A copy of the original contract or agreement An itemized breakdown of the alleged debt The name and address of the original creditor Verification that the statute of limitations has not expired A full chain of title for the account On XX/XX/year>, I received three response notices from Resurgent Capital Services c/o LVNV Funding LLC XXXX 

The billing statement provided does not establish : The terms governing the account Your legal standing to collect An accurate and complete accounting of the balance This does not constitute proper validation under the FDCPA or the California XXXX Fair Debt Collection Practices Act. 

I am requesting that the collector stop reporting or remove any negative credit reporting until proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year>, I attempted to deposit {$5600.00} in cash at a Citibank ATM located in XXXX XXXX, Florida. 

During the transaction, the ATM malfunctioned and displayed an error message stating Something went wrong cash acceptor error. Despite inserting the full amount, the ATM only credited {$4000.00}, resulting in a discrepancy of {$1600.00}. 

I immediately contacted Citibank customer service the same day and opened a claim regarding the missing funds. I provided the ATM location, ATM ID, date, time, and the deposit receipt showing the incorrect credited amount. 

On XX/XX/year>, Citibank sent me a written response denying my claim, stating that their investigation did not find a cash discrepancy. However, Citibank did not provide evidence of a manual ATM cash canister count, balancing logs, or reconciliation records for the specific ATM and time of my transaction. 

The ATM clearly malfunctioned during the deposit, and I believe the missing cash was retained by the machine. I am requesting a formal reinvestigation supported by proper ATM reconciliation documentation.

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 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MN

Complaint narrative:
Im submitting a complaint about unauthorized charges made with my Cash App Card and Cash Apps response after I reported the fraud.

Ive had my Cash App account for roughly 13 years without any meaningful problems. Recently, my Cash App Card was used for purchases I did not approve. I reported the activity immediately and filed a fraud dispute. Cash App rejected the dispute and then shut down my account, claiming their system determined the dispute was false or suspicious, without showing that a real investigation was performed or providing any supporting records. 

Unauthorized transactions I disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Multiple charges on XX/XX/XXXX totaling {$1500.00} {$180.00} {$27.00} XXXX charges of {$190.00} Total amount disputed : {$2300.00} Where Cash App failed Denied my fraud dispute without a reasonable investigation. 
The Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693f, and Regulation E, 12 CFR 1005.11, require a financial institution to investigate a reported error ( including unauthorized electronic fund transfers ) and either correct it or provide a valid determination within the required timeframes. Cash App denied my claim without giving a meaningful explanation that reflects a proper investigation. 

Did not provide the evidence or records used to deny my claim. 
If an institution concludes no error occurred, Regulation E requires a written explanation and, if the consumer asks, prompt copies of the materials relied upon to make that decision. See 12 CFR 1005.11 ( d ) and 15 U.S.C. 1693f ( d ). Cash App did not provide merchant documentation, transaction support, or any evidence used to justify denying my dispute. 

Closed my account after I exercised my rights. 
After I submitted the fraud dispute, Cash App closed my account, cutting off access and causing financial harm. Even if Cash App relies on internal risk systems, closing the account does not eliminate its legal obligations under EFTA and Regulation E to investigate and correct unauthorized transfers.

Harm caused I am out {$2300.00} from unauthorized card activity.

The account closure prevented access to my funds and transaction history and caused major stress and disruption.

Legal references Electronic Fund Transfer Act ( EFTA ) : 15 U.S.C. 1693 et seq.

Error resolution requirements : 15 U.S.C. 1693f Regulation E ( CFPB ) : 12 CFR Part 1005 Error resolution procedures : 12 CFR 1005.11 Consumer liability limits ( context ) : 12 CFR 1005.6

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
I was going through some financial hardship and Il for a temporary loan modification, for six months ; while my application was still in process, the company ( Rushmore Servicing ), initiated the foreclosure process ; and I was asked to pay about XXXX XXXX dollars to put my mortgage up to date : I borrowed money with very high interest rate to make the payment ( which included a substantial amount for legal fees ). Even after I bought my account current, I made the mortgage payment for XX/XX/year>, on the XXXX ( I have until the XXXX to make the payment ) ; and Rushmore was quick to call me and to send me a letter on XX/XX/year>, asking for more than XXXX XXXX dollars payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I was forcefully locked out of my unit and then was hit with a bill for not cleaning my unit when I tried to call and talk to the apartment they ignored my calls

Company response to consumer: Untimely response
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I visited the lake Washington and XXXX XXXX location today, inside. When attempting to do a deposit I was told by XXXX ; who helped me, I gave her {$620.00}, when I know for sure I handed her {$720.00}. When I was told I was {$100.00} short she swore I only gave her {$620.00}. My mother just gave me {$400.00} in XXXX before walking in. I had {$300.00} in XXXX. I didnt want to cause a scene or be rude so I went to my car and double checked with my mother on how much she handed me to make sure. XXXX always getting mistreated at this location due to me having XXXX most of the time or just being XXXX. My finances are at a hardship right now in this time of need. This was unacceptable on your companys behalf! Also, my mother and I know how to count lol. I had a bill to pay at that same hour of the amount of {$710.00} to be exact, so again I know what my mother handed me as well as what I counted before I arrived inside lobby. Another complaint lady with XXXX hair and glasses keeps going to my job at XXXX XXXX and social distancing in satellite beach, Florida asking staff do they know me. This been a ongoing thing since last spring XXXX! This is so unacceptable and stalking. I forgot her name but shes also been employed at XXXX for a while now. XXXX so upset. It was my mothers last few dollars to help her daughter ( me ) out. These XXXX employees need to be held accountable and XXXX greatly appreciate it to be reimbursed. Please sincerely review cameras from that day XX/XX/XXXX so I can get reimbursed. After today and as well as other employee going to my job asking around about me due to her knowing a confidential matter with XXXX I will be closing my account. So disgusted. Do better with hiring people who are politely considerate and truthful in this wicked world. Talk to you soon, thx!

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