vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 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: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Issue Category : Deposit Account Unauthorized transaction Company : Bank of America XXXX XX/XX/year>, Bank of America illegally and unauthorizedly withdrew {$1000.00} from my savings account ( # XXXX ) to cover a negative balance in my closed checking account ( # last 4 digits - XXXX ). This transfer was 100 % UNAUTHORIZED. I never opted into overdraft protection. I never signed any agreement linking my savings account to my checking account for overdraft coverage. I received ZERO NOTICE before they took my money. This is THEFT and a clear violation of : Regulation E ( Electronic Fund Transfer Act, 12 CFR 1005 ) unauthorized electronic fund transfer Federal banking law prohibiting unauthorized account deductions California consumer protection laws ( I reside in XXXX, CA ) Bank of America has no legal right to take money from my savings account without my explicit written authorization, especially when I did not opt into overdraft protection. This is not a " right of offset '' situation because no authorization or account linkage existed. I DEMAND : Immediate full refund of {$1000.00} to my savings account Investigation into this illegal withdrawal Written confirmation that this was an error and will not happen again Bank of America has refused to reverse this unauthorized transfer. This is theft of my funds and I am filing this complaint to recover my money and hold them accountable. Time sensitivity : This withdrawal occurred on XX/XX/year> and I am within the 60-day Regulation E dispute window. I need provisional credit within 10 business days as required by federal law. Desired Resolution : Full refund of {$1000.00} to my savings account immediately, written confirmation of the investigation, and assurance this will not happen again. Attachments : Screenshot of my savings account showing the {$1000.00} withdrawal Bank statement highlighting the unauthorized transaction Any communication with Bank of America about this issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
XXXX and XXXX paid by zelle I contacted the bank and people and nothing is getting resolved XXXX went to XXXX ( XXXX ) XXXX XXXX went to XXXX it was supposed to be so i can XXXX XXXX my boyfriend thru XXXX and I found out it was a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 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: Sunbit, Inc.
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as XXXX - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that this company has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: AZ

Complaint narrative:
I was sent a ledger saying I owed {$5000.00} But my credit report showed {$13000.00} I sent a registered letter asking for all information. The right to collect and full ledger. What i recieved was uncompleted ledger and no proof of ownership and any legal signatures or what this collection company paid for it. I asked credit reporting company experian to remove but they said it was correct. XXXX removed it with 5 days

Company response to consumer: Untimely response
Consumer complaint received 2026-04-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On [ XX/XX/year> ], Wells Fargo withdrew {$11000.00} from my savings account without prior notice to satisfy a credit card debt through a right of setoff. This action has caused significant financial hardship, as the amount taken exceeds what I can afford and has impacted my ability to pay essential living expenses such as rent, utilities, food, and transportation. I understand the bank may have certain rights under the account agreement ; however, the size and impact of this withdrawal is unreasonable and has placed me in a financially unstable situation. I am requesting that Wells Fargo review this matter and provide a partial refund of the funds taken, or otherwise work with me on a reasonable solution that allows me to meet my basic living needs while addressing the debt. I would also like a full explanation of how this amount was calculated and confirmation that the funds taken did not include any protected funds. Even though those bills arent paid from this account, this is the money I rely on for my living expenses. The {$11000.00} withdrawal has created financial hardship and XXXX requesting a partial refund so I can cover essentials. I am seeking a fair resolution and immediate assistance due to the urgency of my financial situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
XX/XX/XXXX I submitted my final bill to conservice. National credit systems began contacting me XX/XX/XXXX about a debt owed that was sent for collections stating I never paid upon move out. I provided proof of payment to XXXX and XXXX XXXX the company that sent it to National Credit systems for collections stating amount was paid. XXXX XXXX said they would correct it with the manager for the collection company and did not follow up when I asked them to get it in writing they would rectify the issue they stopped answering phone calls and communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I am filing a formal complaint against USAA Federal Savings Bank for willful non-compliance with the FTC Holder in Due Course Rule ( 16 CFR 433 ) and for engaging in Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ). I financed a vehicle through USAA ( XXXX # XXXX ) for {$48000.00}. The vehicle was sold to me by a dealership and has subsequently been identified as substantially impaired, triggering state Lemon Law / defective product liability. My Promissory Note with USAA contains the federally mandated FTC Holder Rule clause, which explicitly dictates that the creditor ( USAA ) is subject to all claims and defenses I have against the seller. Consequently, because the fraudulent act of the seller allows for the unwinding of the purchase contract, USAA is legally bound to the same restitution. On XX/XX/year>, a USAA Member Advocacy representative ( " XXXX '', XXXX. XXXX ) formally denied my demand to freeze the loan and cease credit reporting. In his written denial, USAA acknowledged the vehicle is a " lemon '' but stated : " USAA is providing the substitution of collateral as a resolution... Consequently, your request to close the loan... has been denied. '' This is a deceptive and abusive practice. As a consumer, I am under no legal obligation to accept a substitute vehicle from a dealership that committed fraud or sold a defective product, nor am I obligated to maintain a financing agreement tethered to a voidable contract. USAA is actively misrepresenting federal law in an attempt to deny me my legal restitution and force me into a localized dealer collateral swap to keep a {$48000.00} loan artificially active on their books. Furthermore, a USAA representative previously attempted to bypass my legal rights by demanding I agree to a " cease and desist '' over a recorded phone linea massive UDAAP violation utilizing coercive administrative pressure against a consumer invoking their federal rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
XXXX XXXX transfer errors funds debited but not delivered, no access to investigation team I am filing a complaint against SoFi regarding repeated electronic funds transfer errors involving XXXX. On XX/XX/year>, I initiated a XXXX transfer. The funds were debited from my SoFi account, but the transfer was never completed. SoFi has confirmed that the transaction did not process through XXXX, yet my money has not been returned. I reported the issue immediately. I was told I must wait up to XXXX business days for investigation and provisional credit. However, I have been unable to access my funds during this time, and customer support repeatedly states that no oneincluding supervisorscan directly contact the investigations team. On XX/XX/year>, the exact same issue occurred again with another XXXX transaction. This demonstrates a pattern of error or system failure on SoFis side. I am experiencing financial harm due to lack of access to my funds, including difficulty paying bills. Despite repeated calls over multiple days, SoFi has refused to provide immediate provisional credit or escalate the issue. This appears to be a violation of my rights under the Electronic Fund Transfer Act and Regulation E, which require prompt investigation and appropriate handling of errors. I also have more emails and chat logs in which I couldn't attach possibly because of the size but can provide if needed for more proof.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Block, Inc.
State: NY

Complaint narrative:
I have Cash App for awhile now and I needed a loan. I took out the loan and paid it back when I got paid. I took the same loan out and this morning ( XX/XX/year> ) a family emergency happened and my brother sent me XXXX to buy a round trip train ticket be with him and the rest of my family in Tennessee. My due date for this loan is XXXX. XXXX on XX/XX/year> my brother sent me XXXX for a family emergency and not even XXXX seconds after he sent it, Cash App removed it for repayment. It did not say anything in the fine print about them automatically removing any money from the balance to repay a loan. Since then I have been calling them and demanding to speak with a manager or supervisor about this and all they do is email someone and tell me that they cant reverse an automatic payment. I kept telling them they can do that but their to lazy to push the button to send it back and they can reverse an automatic payment, I have seen, heard, and had it happen to me in the past. Plus I told them that I spoke with someone from square and they said to refund me the money back. I called them back at XXXX and told them that they have to according to what the agent from square said and they said and did the same thing. Now square is giving me the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: I.C. System, Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: MoneyLion Inc.
State: AL

Complaint narrative:
MoneyLion closed my account without notice while a payment was processing. I paid in full on XX/XX/XXXX, but they have blocked all communication and won't explain the closure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am formally disputing the XXXX XXXX XXXX listed on my XXXX credit report. This item does not appear on my XXXX credit reports, which raises concerns regarding the accuracy and completeness of the information being reported by XXXX Additionally, this bankruptcy was dismissed and not discharged. Please verify that all information, including status and dates, is being reported correctly. Under the Fair Credit Reporting Act, I am requesting a detailed description of the method of verification used to confirm this public record. Please include the source of the information and how it was verified. If XXXX is unable to properly verify this item, I request that it be deleted from my credit file immediately. Sincerely, [ XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am writing to formally dispute the accuracy of my mortgage account and to request a full investigation under the real estate settlement procedure Act ( RESPA ). My mortgage loan was previously serviced by TD Bank, and has recently been transferred to XXXX XXXX. I did receive proper notice of this transfer. Summary of issues : 1. I have consistently made my monthly mortgage payment of {$960.00}, and have documented cancelled checks, bank statements, proving timely payments through XXXX of XXXX. 2. I pay my own property and homeowners ' insurance directly from my account as of XX/XX/XXXX. I have no escrow balances as confirmed by prior official statements. 3. Despite my payment history, I have received multiple conflicting statements from TD Bank showing incorrect and fluctuating escrow balances, for example, XX/XX/XXXX escrow shortage of {$26000.00} ; XX/XX/XXXX {$12000.00} ; these are a few of many statements I have received that are inconsistent and inaccurate. 4. On XX/XX/XXXX, I went to pay my mortgage and was told my account was closed. I was given a phone number on a sheet of paper by the bank teller, and instructed to call that number. 5. On XX/XX/XXXX, I tried to get a better understanding of my account at another TD Bank location, and was told no account was found under my name. I am now receiving statements from XXXX XXXX claiming I owe {$14000.00}. I am disputing this amount because it does not reflect my payment history or loan terms. TD Bank has not provided me a proper or clear explanation of the transfer. Proof of documentation can be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: IN

Complaint narrative:
I placed an order with XXXX. The shopper had started shopping the order. Before they could check out XXXX had a system outage where I couldnt communicate with support or the shopper. After about an hour the shopper messaged me and asked me to cancel the order because she couldnt and she couldnt check out because of the system outage. I requested a refund they ( XXXX ) said they issued it and they did not. I filed a dispute with screenshots of my chat with the shopper and XXXX yet they have no settled the dispute and when I call its an act of XXXX to get a human on the phone and then they provide an empty apology and can do nothing to help. Id give you the agents names but I couldnt understand what they were saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
XX/XX/XXXX - Transaction of {$1800.00} Charged to My Credit Card XX/XX/XXXX XXXX Reported Fraud to Bank of American Immediately XX/XX/XXXX - Received notification from Bank of American Fraud Claim Denied XX/XX/XXXX - Called BofA and let them know it was fraud and further investigation was needed. XX/XX/XXXX - Claim was reopened and was told it can take up to 45 days to review XX/XX/XXXX - I sent an email to the address located on the forms that Bank of America provided me and requested a refund immediately XX/XX/XXXX - Merchant responded they would refund XX/XX/XXXX - Faxed copied of emails to BofA fraud department for proof of fraud and for claim to be updated XX/XX/XXXX - Called BofA fraud Dept and requested an update XX/XX/XXXX XXXX - Called again for an Update and escalated a response XX/XX/XXXX XXXX- Spoke to a Manager and was told she would personally monitor the transaction and a result would be made by the XXXX XX/XX/XXXX - Called Bank of American and asked for an update XX/XX/XXXX - Bank of American Denied Fraud Claim for the 2nd Time XX/XX/XXXX - We have reopened fraud claimed and based on the documents THEY RECEIVED from the merchant we noticed several discrepancies. Most importantly that WE DID NOT PURCHASE OR EVER RECEIVE THIS ITEM BECAUSE ITS FRAUD.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am writing to formally dispute a debt collection account reported by Portfolio Recovery Associates LLC, which is erroneously listed on my credit reports from XXXX, XXXX, and XXXX. This account, with a balance of {$700.00}, is shown under the account number ending in XXXX and is marked as being in collections. However, I assert that this debt is not mine, and I have no knowledge of any such account or outstanding balance. The presence of this account on my credit reports has significantly impacted my credit scores, which are currently XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX. My date of birth is XX/XX/year>, and the last four digits of my Social Security Number are XXXX. I have never received any correspondence or documentation from Portfolio Recovery Associates LLC regarding this account, nor have I been able to verify any original account details. This suggests the possibility of either identity theft or a clerical error. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to validation of this debt. However, I have not been provided with any such validation by the creditor. This erroneous collection account has caused undue stress and financial harm, as it is unjustly dragging down my credit scores and affecting my ability to secure favorable terms for credit and loans. I am requesting the complete removal of this account from all three major credit bureausXXXX, XXXX, and XXXXto rectify this situation. I have taken preliminary steps by contacting the credit bureaus to dispute this account, but I expect Portfolio Recovery Associates LLC to take immediate action to investigate and resolve this dispute by removing the erroneous information from my credit reports. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation