vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Payfare International Inc.
State: FL

Complaint narrative:
Date XX/XX/year> Time : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Sequence XXXX XXXX XXXX Debit ending in : XXXX XXXX XXXX XXXX  powered by XXXX XXXX XXXX XXXX  On XX/XX/year> I withdrew {$60.00} cash as listed above. I got distracted and the {$60.00} was retracted back into the machine This was verified by XXXX customer service who saw the sequence of the {$60.00} being retracted - that phone number is XXXX. Called and verified that same day. 

XXXX has video of the money retracted their phone is : XXXX Agent at XXXX said to call XXXX XXXX to start the process of dispute. 

XXXX XXXX Dispute My Dispute Number is : XXXX Attached are the receipts and emails Ive been working with since XX/XX/year>. 

Today I call XXXX XXXX XXXX and talked with XXXX all she would give me. 
Their number is XXXX. 

She wouldnt connect with a person to escalate this, there is nothing i can do except to check my email every now and again. 

I want my! XXXX put back into my account t and verified by XXXX, and XXXX. Both of which have clear evidence the money was retracted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Thu, XX/XX/year>, XXXX XXXX  Submitted a transfer of XXXX Chase points from my Chase Sapphire Reserve account over to my XXXX XXXX XXXX XXXX account. This was a part of a 40 % bonus transfer promotion that Chase as having. The XXXX points were reflected on my XXXX XXXX account but not the 40 % bonus ( XXXX points ). I never received a transfer complete email from Chase. 

XXXX XXXX XXXX XXXX XXXX XXXX Submitted another transfer of XXXX Chase points from my Chase Sapphire Reserve account over to my XXXX XXXX XXXX XXXX account. Same 40 % bonus promotion. The XXXX points along with the XXXX bonus points reflected on my XXXX XXXX account. The transfer completion email arrived within minutes of the transfer. 

Talked to XXXX XXXX XXXX XXXX on these dates requesting investigations. Asked to escalate for an investigation. Always redirected back to Chase. 

XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> Talked to Chase Customer Support on these dates requesting investigations. Asked to escalate for an investigation. Always redirected back to XXXX XXXX. 

XX/XX/year> XX/XX/year> XX/XX/year> XXXX experienced similar problem as myself back in XX/XX/year> also posted their experience on this XXXX thread here XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX of XXXX I sent {$20.00} to who i thought was my friend. I mistakenly sent it to a XXXX XXXX instead of XXXX XXXX. I requested the money back and reached out to support for assistance. They told me to request a refund. The person I sent it to declined the request to send the money back and I called Cashapp support on XX/XX/XXXX for assistance I was told the situation requires investigation but they would call me back. No one called back so I reached out in the app using the chat. The advocate to me the transaction is completed and there is no way to reverse my mistake. Basically my mistake deal with the loss and told me they were sorry they couldn't help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding TransUnions failure to comply with the Fair Credit Reporting Act. 
On XX/XX/XXXX, I submitted an online dispute regarding inaccurate information on my credit report. TransUnion responded that the items were verified but did not provide documentation supporting the verification. 
I then sent a written reinvestigation request by mail on XX/XX/XXXX requesting documentation supporting the verification of the disputed accounts and documentation establishing permissible purpose for disputed hard inquiries. More than XXXX  days have passed since TransUnion received this request, and I have received no response. 
The disputed accounts are : XXXX XXXX XXXX XXXX, account ending XXXX * * XXXX XXXX XXXX XXXX, account ending XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, account ending XXXX * * I also disputed the following hard inquiries that I did not authorize : Bank XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX Capital XXXX ( via dealer ), XX/XX/XXXX TransUnion has failed to conduct a reasonable reinvestigation, failed to respond to my written request within the required timeframe, and continues to report disputed information without providing documentation. This constitutes noncompliance with FCRA XXXX and FCRA 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 non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
I am writing to formally dispute a collection account appearing on my credit report. This account is unknown to me, unverified, and does not belong to me. Despite this, I have been subjected to repeated communications and collection attempts across multiple platforms, including threats of legal action. This has caused significant stress, sleepless nights, and is an infringement on my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
On XX/XX/year>, I received a communication from U.S. Collections Inc. ( US Collections West ) that contained the sensitive personal and financial information of another individual. This appears to be a major data breach and a violation of the Fair Debt Collection Practices Act ( FDCPA ).

Details of the Breach : The information disclosed to me regarding a third party included : Full Name of the cardholder. 
Home Address. 
Full Credit Card Number. 
3-Digit Security Code ( CVV ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I experienced unauthorized debit card transactions totaling approximately {$2500.00} These transactions were card-not-present online purchases. My physical debit card was not present, my PIN was not used, and I did not authorize these charges. 

The fraudulent transactions included payments to merchants and utility accounts associated with XXXXXXXX XXXX  including an XXXX XXXX XXXX utility account and a water bill, despite the fact that I do not live in XXXXXXXX XXXX, do not have an XXXX XXXX XXXX utility account, and have no relationship to those merchants. 

I reported the fraud to Wells Fargo promptly and filed a formal fraud claim. I also attempted to provide a police report and merchant-related evidence showing the transactions were not mine. Wells Fargo denied my claim and stated that it conducts investigations internally and does not contact merchants as part of its investigation process. 

Wells Fargo misclassified these transactions as card present despite them being online transactions and refused to consider third-party evidence I offered. I believe Wells Fargo failed to conduct a reasonable investigation as required under the Electronic Fund Transfer Act ( Regulation E ) and improperly denied reimbursement for unauthorized transactions. 

I am requesting that Wells Fargo be required to conduct a proper investigation and reimburse the unauthorized funds.

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 2026-01-13 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Lvnv funding llc Resurgent capital service XXXX XXXX XXXX XXXXXXXX, SC XXXX Subject : Formal Dispute and Request for Verification of Alleged Debt Dear Sir/Madam, I am writing to formally dispute the alleged debt that your agency claims I owe, as reported on my credit report. I have never been notified of this debt or any collection action prior to discovering it on my credit report. 
After conducting research, I have learned that LVNV FUNDING LLC. is not licensed to operate as a debt collector in the state of Georgia. Therefore, I believe this alleged debt does not belong to me, and any attempt to collect on it is both unauthorized and unlawful. 
Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide, at a minimum, the following documentation to verify the validity of this alleged debt : An agreement showing that you have legal authority to collect on this alleged debt. 
An agreement signed by the alleged debtor, containing promises to pay the original creditor. 
A complete payment history on this account, proving that the amount you claim is accurate. 
Until you provide proper verification of this alleged debt, you are required to cease all collection activities, including reporting this debt to any credit reporting agencies. Failure to comply may result in filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing all legal remedies available to me. 
Please consider this a cease and desist request under the FDCPA. I request that all future communication regarding this alleged debt be conducted in writing only. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 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: LA

Complaint narrative:
I am filing a complaint regarding Cash Apps handling of a dispute for a transaction where services were not rendered. 

On XX/XX/XXXX, I paid {$49.00} via Cash App to a nail salon for a full nail set and a full lash set. The merchant charged my card before the services were completed. During the appointment, the salon refused to complete the services as requested. I withdrew consent to continue and asked for removal of the unfinished acrylic. The merchant refused to remove it unless I paid an additional {$20.00}. 

I left the salon without receiving a completed nail set or lash set. No services were rendered, yet the merchant refused a refund. 

I disputed the transaction through Cash App under service not rendered. Cash App denied the dispute, stating the merchant fulfilled their obligation, which is inaccurate. Cash App did not request evidence from me and relied solely on the merchants claim. 

I am requesting that Cash App conduct a proper review and refund the {$49.00} for services not received. Charging for incomplete services and refusing removal without additional payment is unreasonable and should not qualify as fulfillment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I paid off the acct but left a balance of {$41.00} ( LATE CHARGE ) because the company delayed my request to show me why my balance went up by {$600.00} ... But they kept delaying and delaying, so I paid off the acct ... I AM NOT PAYING THAT LATE CHARGE ... And they just keep applying late fees and charges, and the balance that was {$41.00} is now {$130.00} ... This bank is terrible ( SYNCHRONY BANK ) ... I've sent them emails to close, and XXXX out the acct to the CEO ( XXXX XXXX )... And no response.

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 2026-01-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
this account was open not in my consent had no idea I coudnt get a account until I tried going in to open one

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
This account was part of debt consolidation. Theyve refused to negotiate payment with the debt consolidation company. Ive called on XXXX separate occasions requesting a payoff letter with address for mailing payments. Each request Im told it has been emailed but no email comes through. 

I requested to speak to a supervisor and was denied. I requested they try another email address to troubleshoot if it was my end or theirs and they refused. Ive received emails consistently from other individuals without an issue. I also asked if the document could be faxed and they refused. 

Im attempting to pay the debt and I continue to meet roadblocks but they continue to negatively report on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG Financial Services, Inc.
State: CT

Complaint narrative:
XX/XX/XXXXXXXX  we recieved a letter from the insurance company saying our insurance was lapsed for not receiving payment. We contacted the loan company and they gave us no information regarding this probably. XX/XX/XXXXXXXX   we recieved a letter from the mortgage company saying it has expired and they were going to force us into a plan but we have no information regarding why insurance was canceled or why mortgage didnt pay it through my escrow

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
ACCOUNT XXXX HAS BEEN PROVEN TO HAVE BEEN FRADULENT WELLS FARGO HAS ADMITTED TO INCONSISTENT AMONG THE CONSUMER AGENCY IF THE CONSUUMER AGENCY ISNT ACTING IN GOOD FAITH HOW CAN WE TRUST THERE INVESTIGATION, THIS ACCOUNT IS RESULT OF FRAUD WELLS FARGO HAS ADMITTED TO INCONSISTENT IN THE CONSUMER AGENCY

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 2026-01-13 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
This emotional toll has been very overwhelming. I have lost sleep, felt constant stress and experienced the embarrassment of being turned away by landlords for something that I believe should not even be on my record. This has impacted not only me, but my ability to provide safe and stable housing for my family. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished these accounts ( # XXXX, # XXXX, # XXXX ) that we didnt agree upon, and I didnt sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. They didnt follow the proper XXXX step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand these accounts be taken off immediately.

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 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I paid off my balance with Synchrony Bank on XX/XX/XXXX after asking for a payoff figure. On XX/XX/XXXX, XXXX days later, they ask for money post payment. The interest they charge is to cause people to go bankrupt. They falsely advertise payoff figures, minimum payment to cause customers to have a balance post the free interest period. They are causing bad credit and overcharging unsuspecting customers with their shady business practices.

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 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX -- * XX/XX/year> I.C. SYSTEM, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute and Request for Verification of Alleged Debt Dear Sir/Madam, I am writing to formally dispute the alleged debt that your agency claims I owe, as reported on my credit report. I have never been notified of this debt or any collection action prior to discovering it on my credit report. 
After conducting research, I have learned that I.C. SYSTEM, INC. is not licensed to operate as a debt collector in the state of Georgia. Therefore, I believe this alleged debt does not belong to me, and any attempt to collect on it is both unauthorized and unlawful. 
Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide, at a minimum, the following documentation to verify the validity of this alleged debt : An agreement showing that you have legal authority to collect on this alleged debt. 
An agreement signed by the alleged debtor, containing promises to pay the original creditor. 
A complete payment history on this account, proving that the amount you claim is accurate. 
Until you provide proper verification of this alleged debt, you are required to cease all collection activities, including reporting this debt to any credit reporting agencies. Failure to comply XXXX result in filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing all legal remedies available to me. 
Please consider this a cease and desist request under the FDCPA. I request that all future communication regarding this alleged debt be conducted in writing only. 
Sincerely, 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 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Credit Systems Intl In XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute and Request for Verification of Alleged Debt Dear Sir/Madam, I am writing to formally dispute the alleged debt that your agency claims I owe, as reported on my credit report. I have never been notified of this debt or any collection action prior to discovering it on my credit report. 
After conducting research, I have learned that CREDIT SYSTEMS INTL IN. is not licensed to operate as a debt collector in the state of Georgia. Therefore, I believe this alleged debt does not belong to me, and any attempt to collect on it is both unauthorized and unlawful. 
Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide, at a minimum, the following documentation to verify the validity of this alleged debt : An agreement showing that you have legal authority to collect on this alleged debt. 
An agreement signed by the alleged debtor, containing promises to pay the original creditor. 
A complete payment history on this account, proving that the amount you claim is accurate. 
Until you provide proper verification of this alleged debt, you are required to cease all collection activities, including reporting this debt to any credit reporting agencies. Failure to comply maXXXX result in filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing all legal remedies available to me. 
Please consider this a cease and desist request under the FDCPA. I request that all future communication regarding this alleged debt be conducted in writing only. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
XX/XX/XXXX, XXXX I paid {$330.00} and was charged a late fee. I agreed to pay half before the due date of XX/XX/year>. I checked the company website to pay the other half of the auto loan but I am forced to pay the full loan ( {$620.00} ) plus late fees. It seems like the company is trying to triple charge me plus late fees. I already talked to customer service and told them I would pay half before the due date and the other half the following week. I would do this every month. I have a bankruptcy order coming from my work paycheck but I was ordered by the court to continue to pay the auto 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