vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX I sent money to a gentleman for a product he had for sale on XXXX XXXX for {$1000.00} XXXX paid him through the app for the item I had to set up freight because the item was out of state after several attempts from the freight company to contact the gentleman to confirm pickup dates and times I realized it was a scam I dont have the item even though I paid him a month ago I used cashapp for this transaction, I disputed the charge thorugh cash app and they are refusing to reimburse me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
Transworld Systems Inc. is reporting a collection account without providing proper validation. I requested validation, but the company only provided a copy of a last bill and did not provide proof of ownership, itemization, or authority to collect. 

The account previously showed closed/removed, then disappeared, and later reappeared around XX/XX/year>. The account is also being reported and updated while in dispute, causing credit harm. 

I have attempted to resolve this matter in writing. Transworld continues to report this account without properly validating it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, I was scheduled to fly on XXXX XXXX XXXX XXXX at XXXX. I arrived late and missed this flight, for which I fully accept responsibility. XXXX XXXX kindly rebooked me on XXXX XXXX at XXXX at no additional cost, which I understood to be a courtesy. 

I missed the rebooked flight XXXX due to incorrect gate instructions provided by XXXX XXXX staff at the airport. I arrived on time and relied on their guidance but was sent to the wrong gate. As a result, I was coded as a no-show. 

I submitted a dispute to Capital One regarding the charge for XXXX. I provided : Flight tickets and e-ticket confirmation emails Call logs showing multiple attempts to contact XXXX XXXX A written declaration explaining the airlines misdirection and breach of its own Contract of Carriage obligations This has been an ongoing case since XX/XX/year>. Every time Capital One closed the dispute, I called to clarify what additional evidence was needed. Each time, they said my case was missing something new, so I submitted more evidence. After each submission, they denied my case again, and I had to call back and submit additional documentation. This created a never-ending cycle, where the bank repeatedly relied on procedural deficiencies instead of evaluating the substance of my dispute. 

Capital One has repeatedly ruled in favor of XXXX XXXX, relying on evidence submitted by the airline on XX/XX/year>, without providing access to the full merchant documentation or a clear explanation of how my evidence was evaluated. 

I believe Capital One did not fully or meaningfully evaluate my evidence regarding the airlines breach of obligations and failure to provide accurate boarding instructions. The airline is relying solely on older documentation and ignoring new evidence I submitted, which directly caused the missed boarding on XXXX. This demonstrates a failure to provide a fair investigation and may violate consumer protection rules. 

I am requesting a transparent and thorough review of my dispute, taking into account the following evidence I submitted : Flight tickets for XXXX ( XXXX ) Written declaration detailing airline staff misdirection and breach of carrier obligations Call logs showing my repeated attempts to contact the airline Confirmation emails from XXXX XXXX I respectfully request that Capital One conduct a proper review of the dispute for Flight XXXX, considering all evidence I have submitted and not relying solely on the airlines prior documentation. The airlines misdirection directly caused me to miss the flight, and I should not be held financially responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
My credit reports contain duplicate tradelines from XXXX XXXX, which further inflate my reported debt and misrepresent my creditworthiness. The furnisher failed to conduct a reasonable investigation and is violating FCRA 611 and 623 by reporting unverifiable, duplicate, and inconsistently updated information. I am requesting immediate deletion of the ALL LVNV DUPLICATE ACCOUNTS. 

I am filing this complaint against LVNV Funding LLC for reporting duplicate and inconsistent tradelines on my credit reports in violation of the Fair Credit Reporting Act ( FCRA 611 and 623 ). 

LVNV Funding is currently reporting XXXX separate tradelines for what appears to be the same alleged debt. XXXX account reflects a balance of {$650.00} and the other reflects a balance of {$630.00}. These accounts are being reported simultaneously, inflating my total reported debt and negatively impacting my credit score. 

In addition to the duplicate reporting, the accounts contain inconsistent information, including different reported balances and conflicting account open dates. This raises concerns of inaccurate reporting and possible re-aging of the account. 

I have disputed these accounts previously with the credit bureaus, yet LVNV continues to verify the information without correcting the discrepancies. This indicates that LVNV has failed to conduct a reasonable investigation as required under FCRA 611 and has failed to ensure accurate reporting under FCRA 623.

Furthermore, LVNV previously attempted legal action regarding this alleged debt. Despite this, they continue reporting inconsistent and duplicative information, which is causing ongoing harm to my credit profile. I am currently in the process of securing housing, and this inaccurate reporting is materially affecting my ability to qualify. 

I am requesting the following resolution : XXXX. Immediate deletion of all duplicate LVNV Funding tradelines from all credit bureaus. 
XXXX. Correction of any inaccurate balance amounts. 
XXXX. Written confirmation that the accounts have been permanently deleted. 
XXXX. Investigation into whether improper re-aging has occurred. 

If LVNV can not provide complete documentation validating the debt, including proof of assignment, original contract, and accurate date of first delinquency, the accounts must be deleted immediately. 

I expect full compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANCO POPULAR DE PUERTO RICO
State: NY

Complaint narrative:
I am submitting this formal complaint against Banco Popular for its refusal to reimburse funds fraudulently withdrawn from my Individual Retirement Account ( IRA ). 

An unauthorized individual initiated a withdrawal request through Banco Popular, resulting in the transfer of funds across state lines without my knowledge, consent, or authorization. I was never notified of the transaction before the funds were released. Additionally, Banco Popular failed to follow reasonable internal fraud-prevention and verification procedures to verify the legitimacy of the withdrawal request before disbursing the funds. 

Upon discovering the fraud after a second attempt, I immediately notified Banco Popular and fully complied with all requirements. I completed all affidavits, submitted all documentation, and cooperated entirely with the institutions investigation. Due to the seriousness of this matter, a detective from the XXXX XXXX  Police Department ( XXXX ) was assigned to the case, and a formal criminal investigation was initiated. 

Despite clear evidence that this was an unauthorized transaction and despite my full cooperation, Banco Popular continues to refuse to return my funds. These funds were withdrawn from my IRA account, causing significant financial harm, including potential tax consequences and disruption to my retirement planning. I am also seeking reimbursement for any accrued interest or earnings that would have accumulated had the funds remained in my account. 

Banco Populars failure to safeguard my retirement account, properly verify the withdrawal request, and reimburse confirmed fraudulent activity is unacceptable and has caused substantial hardship. 

Thank you for your attention to this serious issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CREDIT WORLD SERVICES, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Credit World Services , IncXXXX used the mail to file a Fraudulent debt claim! 
They have NO right to have or use my Company information nor does the Corporation known as XXXX. They have NO CONTRACT and have been repeatedly asked by Certified Mailings to produce XXXX for the Debt and EVERGY has failed to do so!! 

Under 28 US Code sec 3002 the Definition of " DEBT '' an amount owing to the United States!! which would make Credit World Services , Inc. 's Debt Collection letter a False Claim under 31 US Code sec 3729 ( A ) and ( c ) conspires with EVERGY!! 

My corporation has been damaged, and I will be forced to file an Adverse claim against both Credit World Services , Inc. and XXXX. 

This is my NOTICE and this filing is my evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
This same debt comes up on my report every year since XX/XX/XXXX, It was disputed then and in XXXX for reporting inaccurately. This is the same debt from XXXX XXXX XXXX XXXX, that was reported by XXXX XXXX XXXX, Acct. # XXXX, and was immediately deleted both appearances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Williams & Fudge, Inc
State: OK

Complaint narrative:
The representative who contacted me was aggressive and made me feel very uncomfortable with his line of questioning, asking questions about people Ive lived with or were related to and insinuated that he would be trying to hold them responsible for my debt when I made it very clear that it was my responsibility and only my responsibility. I said I dont want people being harassed for something that they hold no responsibility for, he said no one else has been called when I know this is not true because I have already been told they were contacted. I stated several times I am willing to make a payment agreement and resolve this issue, he continued to purse an aggressive and invasive line of questioning that made me feel very uncomfortable. 

I am a clinically diagnosed person with XXXX, and aggressive or authoritative speech causes me significant distress, which this person did. 

I do not want people associated with me being bothered by this, I am still open to working out an arrangement but I do not want that man speaking to me ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am requesting a chargeback for payments made to XXXX due to misrepresentation and failure to provide the services that were promised at the time of purchase. 

I signed up for XXXX based on their explicit representations that I would earn guaranteed returns of 10 % or more per month through their trading system. I was told that profits were guaranteed, which was a key factor in my decision to enroll and make payment. 

After funding my account, there was no trading activity or account movement for approximately XXXX  days. When I contacted Kronos to ask why nothing was happening, I was told that I needed to deposit additional funds before results would appear. I deposited more money based on this instruction. 

After adding more funds, my account began losing money. When I raised concerns, XXXX stated that losses were due to bad market conditions, which directly contradicts their earlier claims of guaranteed returns. When I pressed further, they attempted to show proof of profitability, but the amounts shown were only a few dollars and did not reflect the promised performance or returns I was sold. 

The service provided does not match the claims used to sell it. I was induced to pay based on guarantees of profit and consistent high returns, neither of which were delivered. I later discovered that XXXX has been written up for fraud-related issues, specifically for selling investment services while implying guaranteed returns, which further supports my claim of misrepresentation. 

Because the service was materially misrepresented and failed to deliver what was promised, I am requesting that these charges be reversed. 

I can provide screenshots, communications, and documentation showing the guarantees made, lack of activity, losses incurred, and misleading explanations if needed. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am submitting this complaint regarding the closure of my CareCredit credit card account issued by Synchrony Bank. 

Synchrony Bank informed me that my account was closed on or about XX/XX/year>, due to two alleged missed payments. I dispute this determination for the following reasons : I did not receive adequate notice that any payment had been missed or that my account was at risk of closure. 
The alleged missed payments were not consecutive. 
The most recent item referenced was not a missed required minimum payment, but rather a rejected charge for a {$30.00} late fee that was returned on XX/XX/year>. A rejected late fee is not equivalent to a missed minimum payment obligation that would reasonably justify account closure. 

Because of these issues, I believe the account closure may involve inaccurate servicing, insufficient notice, and/or incorrect reporting of my payment history. 

This action has negatively affected my credit profile and financial stability. I respectfully request : 1. A complete written explanation of the specific basis for the account closure, including the payment history and policies relied upon.

2. Correction of any inaccurate information furnished to consumer reporting agencies.

3. Review for possible reinstatement of the account or other appropriate remediation for the harm caused.

I am seeking a fair and accurate resolution and request that Synchrony Bank investigate this matter in good faith and respond promptly. 

Thank you for your attention to this complaint.

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 2026-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THE ACCOUNT REMAINED FULLY CURRENT WITHOUT INTERRUPTION.

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 2026-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
There are two transaction that being withdraw from cashapp but not myself doing it.The first transaction is at XX/XX/year> at XXXX with the amount of {$200.00} and the second transaction is at XX/XX/year> at XXXX with the amount of {$140.00}. This app is scaming me and my account has been hacked

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

XXXX XXXX - XXXX XXXX  XXXX  XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: GA

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: IN

Complaint narrative:
Getting multiple calls a day my co-signer not me. After getting Sallie mae info that it is harassment and they can only call once a day for 7 days they refused and said they will keep calling

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: AL

Complaint narrative:
I keep getting communications from a company called MRS BPO LLC for XXXX bill which I submitted all equipment back and also should have been settled and shouldn't have been sent to this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-12 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:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ), I am submitting this formal complaint to dispute multiple unauthorized hard inquiries on my credit report, which are a direct result of identity theft. In accordance with 15 U.S.C. 1681c-2, I request that these fraudulent inquiries be blocked and permanently removed from my credit file. Attached for your review is my official FTC Identity Theft Report ( Report Number : XXXX ). 
As mandated by 15 U.S.C. 1681c-2, upon receipt of a valid identity theft report, consumer reporting agencies must block any information specified by the consumer as fraudulent within XXXX ( XXXX ) business days. 
The following hard inquiries are unauthorized and must be blocked, as they stem from the reported identity theft. I provided no consent for these credit checks : XXXX XXXX - XX/XX/year> Pursuant to 15 U.S.C. 1681c-2, I formally demand the immediate blocking of these inquiries. This block must be maintained for the duration prescribed by law, preventing any related information from being reported. 
Despite my repeated direct communications with the relevant credit bureau and the provision of my FTC report, these fraudulent inquiries remain unresolved on my file. Their continued reporting is causing tangible financial injury by unjustly depressing my credit score and hindering my access to essential credit. 
I urge the CFPB to intervene to ensure strict compliance with federal law. Your assistance in securing the permanent deletion of these inquiries from my credit history is imperative.

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 2026-02-12 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I made a dispute on XX/XX/year> with XXXX XXXX, and they never told me to send evidence for the dispute. I asked customer service if they needed evidence of the situation, and they told me they would call or email me about it, but they never did. Instead, they denied my dispute without any evidence. I called XXXX XXXX again about a month later to dispute the charge again, and I provided them with photo evidence, but they refused to reopen the case. I also sent photo evidence to Chase to reopen the case. I didn't realize they needed evidence until after I spoke with someone on the phone who told me that if I sent photos, they would reopen the case. However, they never did, and they said they wouldn't because the third party denied XXXX XXXX.

Company response to consumer: Closed with explanation