vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Ok on the dark web these are the complaints I have no knowledge of none of these XX/XX/2022 no address zip code XXXX phone no XXXX then XX/XX/2022 phone no XXXX no address also XX/XX/2022 phone no XXXX Ok I had a XXXX account ending in XXXX or XXXX something like that either one is it anyway my debit card was {$300.00} as of XX/XX/XXXX XXXX the balance was {$170.00} Ok so they switched over when I was making my payments on line faithfully now all of a sudden they switched up on me then my payments wouldn't go through online so now they're saying I have a XXXX XXXX XXXXard ending in XXXX XXXX knows I never had a XXXX XXXX nothing but I was also thinking if you could look up the no anda see what names come up XXXX send them to me so they can be prosecuted for doing what was done this company sending me XXXX Bills even though what they're trying to do is destroy my credit but it's not going to happen I get offers daily asking me do I want to borrow money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Valor Intelligent Processing, LLC
State: NC

Complaint narrative:
In XXXX XXXX, I received a text message from Valor Intelligent Processing, LLC., ( a debt collection agency ), on behalf of XXXX to resolve a past due balance of {$170.00} XXXX indicated that in order to resolve this issue they would accept a lesser amount of {$100.00}. In early XXXX, I called XXXX, XXXX and explained in detail why I felt I did not owe XXXX any outstanding balance. VALOR indicated they would reach out to XXXX and inform XXXX of my dispute. XX/XX/year>, I received a " XXXX XXXX '' from Valor stating XXXX is willing to accept {$0.00} to settle my balance in full. Recently, XXXX filed a collection notice on my credit report which has lowered my XXXX credit score to XXXX. I have not had a credit score below XXXX in XXXX years! As soon as I noticed this entry from XXXX, I reached back out to Valor XXXX and they stated the message I received from them was an error. I strongly feel that Valor 's error should not be costing me a XXXX point hit on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I transferred funds from my XXXX checking account to an Affirm money account. That transfer took fours days, when I asked to have it returned I was told that it will take up to five business days to be returned. That is an unreasonably long delay on the part of Affirm. No explanation was given for the extended length of time for an electronic transfer. At the time of this writing it is now up to day three. Companies such as Affirm should not be allowed to inconvenience consumers, while also financially benefiting from a delay in transferring funds. Affirm should be required to make same day electronic transfers, not offer an deliberately ambiguous time frame ( 1 to 5 business days ). Their website also lists my transaction as " pending '', with no further information given. It's not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Roosen, Varchetti & Olivier, PLLC
State: MI

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX and their legal representatives, Roosen , Varchetti & Olivier , PLLC, for reporting inaccurate information and engaging in illegal debt re-aging. On XX/XX/XXXX, I discovered a garnishment notice for an alleged debt of {$1700.00} originating from a {$440.00} balance. Upon reviewing my credit report, I noticed this account is listed with a 'Date Opened ' of XXXX. However, the law firm representing the collector has claimed the account was opened in XXXX. Both of these dates are factually impossible and represent a violation of the Fair Credit Reporting Act ( FCRA ). I moved to XXXX in XXXX and have been residing abroad since that time. I was not in the United States in XXXX to open or manage such an account, and I have passport stamps and residency documents to prove my presence in XXXX during this period. Furthermore, I was never served with a Summons or Complaint regarding this debt, which denied me my right to dispute the original {$440.00} amount before it was inflated to {$1700.00}. By reporting a XXXX ' opening date for a debt they claim originated in XXXX, the collector is illegally re-aging the debt to extend its reporting life on my credit file. I request that the CFPB compel XXXX XXXX XXXX to provide a full 'Chain of Title ' for this debt, a complete breakdown of the added fees, and a copy of the 'Proof of Service ' for the original lawsuit. I also request that this inaccurate and re-aged information be removed from my credit report immediately. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
I am submitting this complaint regarding my mortgage servicer, Select Portfolio Servicing ( SPS ), for mishandling my mortgage assistance application and potentially violating required loss mitigation timelines while my property is in active foreclosure status. I submitted a complete mortgage assistance ( loss mitigation ) application on or around XX/XX/year>, which included all required supporting documentation such as income verification and bank statements. These documents were sent via overnight delivery in good faith to ensure timely review due to my scheduled foreclosure sale date of XX/XX/year>. This was all in an attempt to get reevaluated for a second loan modification. I was late with my payment which automatically restarted the process. At this time, I have reason to believe my submitted documentation was not properly received or processed. The delivery tracking has not updated as expected, and I have since escalated this issue with the United States Postal Service ( USPS ) by initiating a formal service request to locate the package. I have retained the service request number for documentation and tracking purposes. Despite my timely submission, I was informed by SPS that a denial letter was issued on or around XX/XX/year>, which was only one day after my documents were sent. This raises serious concerns that my complete application was not properly reviewed prior to denial, or that the decision was made without consideration of the full documentation I submitted. When I contacted SPS for clarification, I was told that : My application or review had been closed No retention or assistance options were available There was no clear confirmation that my full package had been received or evaluated I was previously approved as a successor in interest and have been actively working with SPS regarding this mortgage. I have made every effort to comply with their requirements and submit all requested documentation in good faith. Given the extremely short timeline between my submission and the denial, along with the lack of confirmation that my documents were properly reviewed, I am concerned that SPS has : Prematurely denied or closed my application Failed to properly review submitted documentation Potentially violated required loss mitigation procedures and timelines, especially given the proximity to my foreclosure sale date This situation has placed me at immediate risk of losing my home without a fair and complete review of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I am filing this complaint against LVNV Funding LLC and their legal representatives, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, for reporting inaccurate information and engaging in illegal debt re-aging. On XX/XX/XXXX, I discovered a garnishment notice for an alleged debt of {$1700.00} originating from a {$440.00} balance. Upon reviewing my credit report, I noticed this account is listed with a 'Date Opened ' of XXXX. However, the law firm representing the collector has claimed the account was opened in XXXX. Both of these dates are factually impossible and represent a violation of the Fair Credit Reporting Act ( FCRA ). I moved to XXXX in XXXX and have been residing abroad since that time. I was not in the United States in XXXX to open or manage such an account, and I have passport stamps and residency documents to prove my presence in XXXX during this period. Furthermore, I was never served with a Summons or Complaint regarding this debt, which denied me my right to dispute the original {$440.00} amount before it was inflated to {$1700.00}. By reporting a XXXX ' opening date for a debt they claim originated in XXXX, the collector is illegally re-aging the debt to extend its reporting life on my credit file. I request that the CFPB compel LVNV Funding LLC to provide a full 'Chain of Title ' for this debt, a complete breakdown of the added fees, and a copy of the 'Proof of Service ' for the original lawsuit. I also request that this inaccurate and re-aged information be removed from my credit report immediately. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
This is a follow-up to my previous complaints regarding the same issue. Previous complaint references : - XXXX - XXXX My account currently has restricted access. I am unable to make transfers or update my profile. In the banks response to my previous complaint, I was advised that if I wished to close my account, I should either call customer service or submit a notarized request by mail. However, when I contacted customer service, I was told that they could not proceed with any action due to the restriction on my account. This creates a situation where I am unable to proceed through any of the options provided by the bank. As specifically requested in the banks most recent response, I provided my previous debit card details, prior U.S. address, and all information available to me. However, since providing this information, I have not received any response. I have also left multiple voicemails and sent follow-up emails, but have received no reply. I am currently overseas and no longer have access to my previous U.S. phone number, and I can not visit a branch in person. I am fully willing to complete alternative identity verification, such as submitting my passport or participating in a video call, but no such options have been offered. At this point, the bank has provided only standard responses without any workable solution, and has not followed up after requesting additional information. I am requesting that the bank first remove the restriction on my account so that I can regain access. Once access is restored, I will then be able to decide whether to continue using the account or proceed with closing it. Given the current restriction, it is unclear whether submitting a notarized request by mail would even be accepted or processed, which makes this option unreliable. As a result, I am completely unable to access or close my account due to the banks lack of response and failure to provide a practical solution.

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 2026-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

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 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I attempted to reach out to ChexSystems regarding my claims but i have not gotten a 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 2026-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: MN

Complaint narrative:
I am submitting a complaint against Waypoint Resources Group regarding a collection account that has been reported on my credit file without proper notification or validation. I do not recognize this debt and have no knowledge of any account associated with this company. Prior to this account being reported, I did not receive any written notice, validation letter, or communication, as required under the Fair Debt Collection Practices Act ( FDCPA ). I was not given an opportunity to dispute or verify the debt before it was reported to the credit bureaus. Additionally, the phone number listed for Waypoint Resources Group on my credit report is not a working number. This has prevented me from contacting the company to request validation or resolve the issue. The lack of valid contact information raises concerns about the accuracy and legitimacy of this account. Because I have not received proper notice and have no ability to verify this debt, I believe this reporting may be inaccurate and noncompliant with the Fai r Credit Reporting Act ( FCRA ) and FDCPA. I am requesting that Waypoint Resources Group provide full validation of this debt, including the original creditor, account details, and proof that this debt belongs to me. If they are unable to properly verify this account, I request that it be removed from my credit report immediately. I also request that they provide accurate and functional contact information so consumers can properly address alleged debts. Thank you for your assistance in this matter.

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 2026-03-24 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: CA

Complaint narrative:
In or around XXXX, my Cash App debit card was charged for unauthorized transactions labeled XXXX in XXXX increments of {$20.00}, totaling {$80.00}. I did not authorize these charges and reported them to Cash App immediately. Cash App refunded only {$40.00} of the {$80.00} and did not provide a clear explanation for denying the remaining amount. Shortly after reporting the fraud, my Cash App Card was permanently canceled. Since that time, I have been unable to obtain a new Cash App Card. My account remains active, but I have been denied access to a debit card with no explanation, no appeal process, and no evidence of any wrongdoing on my part. I have contacted Cash App multiple times requesting clarification. Each time, I was told that they could not explain the reason for the restriction and that the decision could not be reversed. I reported unauthorized transactions in good faith and followed proper procedures. Instead of being fully reimbursed and protected, I was penalized by losing access to my Cash App Card permanently. I am requesting : 1. A written explanation for why my Cash App Card was permanently canceled 2. A review of the decision to deny me access to a new Cash App Card 3. Clarification of Cash Apps policies regarding fraud disputes and account restrictions This situation is unfair and lacks transparency, as I have been denied access to a basic service after reporting fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
NATIONAL CREDIT ADJU is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT XXXX is a debt collector. They are falsely reporting on my credit!! Account number is xxx XXXX is falsely reporting XXXX my credit file XXXX is against my rights XXXX fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: DE

Complaint narrative:
Name : Radius Global Solutions, LLC Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX I am formally demanding the immediate deletion of this trade line from my XX/XX/XXXX report. I paid the original creditor, XXXX XXXX XXXX, the full balance of {$220.00}. I never entered into a settlement agreement with Radius Global Solutions, and I have never signed any documentation agreeing to settle for less than the full amount. Radius Global is reporting this as 'Settled, ' which is a factual inaccuracy. Because this account is being reported inconsistently ( it does not appear on my XX/XX/XXXXorXX/XX/XXXX reports ), and because Radius Global can not provide documented proof of a signed settlement agreement, they are in violation of the FCRA. If they can not provide a signed contract proving a settlement was reached, they have no legal basis to report this status and must delete the collection entirely from my credit profile.

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 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Repeated phone calls and emails XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> after being told to stop calling and emailing all times of the day and night threatening to take it to court further legal actions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CA

Complaint narrative:
This complaint concerns an alleged debt related to XXXX XXXX for a device ( XXXX ) that was returned. I do not owe this debt. I previously disputed this account and requested full validation, including a signed agreement, account history, and proof that the device was not returned. In response, Jefferson Capital Systems , LLC sent a generic letter that does not provide any meaningful validation. They failed to provide : - Any signed agreement or contract - Proof that I am legally responsible for this debt - Evidence that the device was not returned - Any account history or billing statements Additionally, their communication was sent through a non-reply channel, and they do not provide a clear or accessible way to respond or continue the dispute. This prevents me from properly exercising my rights under the FDCPA. Despite the lack of proper validation, the company continues to attempt to collect this debt. This debt is inaccurate and unverified, as the device was returned. I am requesting : - Immediate removal of this account from all credit reporting agencies- Cessation of all collection activity - Written confirmation that the account is closed and no longer reported

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: COLUMBIA BANKING SYSTEM, INC.
State: CA

Complaint narrative:
I went to XXXX falsely XX/XX/XXXX, my wallet was seen stolen out of my room with my bank ATM card in it after. While I was in Jail a female I was talking to named XXXX XXXX XXXX birthdate XXXX XXXX XXXX was frauding my account using my bank ATM without my permission. Despite me showing my bank the arrest date XX/XX/XXXX and release date XX/XX/XXXX and reporting the fraud to them, they decided to close my account that was frauded by XXXX XXXX XXXX with giving me a reason after almost 10 years I have been with them.

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 2026-03-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been doing for months now, XXXX I have not seen any of the request after their investigate thru XXXX XXXX/or the other credit bureaus. I am sure they are aware of the the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX or these XXXX party have XXXX provide XXXX of XXXX in order XXXX wet signature XXXX proceed in the any collection where I did not agree now given consent on this matter or Do I have any knowledge this company at all.

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