vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX ; CFPB Case # : XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX. 
Current Owner : LVNV Funding LLC Reference Number : XXXX Re : Account Number : XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX. 
Current Owner : LVNV Funding LLC/Resurgent Amount Allegedly Owed : {$360.00} Dear LVNV FUNDING C/O RESURGENT CAPITAL SERVICES I have seen some activity on this account noted : last activity XX/XX/XXXX, XXXX regarding the above-referenced alleged debt.

I dispute the validity of this debt in its entirety as mines!

this debt is disputed and validation is requested pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Please provide the following validation information before taking any further collection activity : The name and address of the original creditor.

Proof that you are legally authorized to collect this debt on behalf of the original creditor ( including any agreement assigning the debt to your company ).

The original amount of the debt when it was incurred.

A complete itemized accounting of the alleged debt, including all payments, credits, fees, interest, penalties, and how the current amount was calculated.

A copy of the agreement or contract bearing my signature that created the obligation to pay this debt to the original creditor.

Verification of the date of last payment and the date the account was charged off.

Proof that the statute of limitations has not expired on this debt in my state of California.

Your debt collector license information for the state of California ( license number, issuing agency, etc. ), as required by state law.

Until you provide the requested validation, you must cease all collection activities, including phone calls, letters, and reporting this debt to any credit reporting agencies.

If you fail to provide proper validation within 30 days of receiving this letter, or if you can not validate the debt, you must : Cease all collection efforts.

Delete any reference to this account from my credit reports.

Be advised that I will consider any further collection attempts without proper validation to be a violation of the FDCPA, and I reserve the right to take appropriate legal action.

Please provide the above information to CFPB Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
CREDENCE is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCEis a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shepherd Outsourcing, LLC
State: NJ

Complaint narrative:
I received initial validation notices from Shepherd Outsourcing , LLC regarding XXXX alleged debts purportedly owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ). 

I timely disputed both debts in writing and requested full validation under 15 U.S.C. 1692g.

At this time, no competent evidence has been provided to substantiate the debts, including but not limited to a signed agreement, itemized billing, or proof of lawful assignment.

I am concerned that the collector may attempt to furnish inaccurate or unverified information to consumer reporting agencies prior to completing validation, which would violate the FDCPA and FCRA. 

I am requesting the CFPB require the collector to : XXXX. Cease all collection activity until proper validation is provided XXXX. Confirm that no credit reporting will occur absent lawful validation XXXX. Correct and prevent any inaccurate reporting I request written confirmation of compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Attorneys USA LLC
State: TX

Complaint narrative:
This is XXXX of the emails that was sent to me We understand you do not want to resolve your debt. In this case, we have no choice but to turn this matter over to our attorneys within XXXX hours so you can deal with them. If you change your mind, please call us back within XXXX hours. 

Thank you XXXX XXXX. 

XXXX. 

I never said that I would not pay the debt. Also talked to the XXXX XXXX today and she was really rude. XXXX talked me and made threats of sending to attorney as well. Did not care what I had to say. I offered to pay XXXX right now and she was just really nasty.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I received initial validation notices from XXXX XXXX XXXX XXXX regarding XXXX alleged debts purportedly owed to Jefferson Capital Systems XXXX XXXX XXXX XXXX and XXXX XXXX ). 

I timely disputed both debts in writing and requested full validation under XXXX XXXX. XXXX. 

At this time, no competent evidence has been provided to substantiate the debts, including but not limited to a signed agreement, itemized billing, or proof of lawful assignment. 

I am concerned that the collector XXXX attempt to furnish inaccurate or unverified information to consumer reporting agencies prior to completing validation, which would violate the FDCPA and FCRA. 

I am requesting the CFPB require the collector to : XXXX. Cease all collection activity until proper validation is provided XXXX. Confirm that no credit reporting will occur absent lawful validation XXXX. Correct and prevent any inaccurate reporting I request written confirmation of compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: NC

Complaint narrative:
I do not owe this debt. I turned in all equipment and I don't owe them a XXXX. I do not want this company to contact me anymore or threaten me.

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 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bilt Technologies, Inc.
State: CA

Complaint narrative:
I have repeatedly requested that my Bilt Rewards XXXX account be closed and the associated credit card canceled. 

I have contacted Bilt multiple times via email and phone. Instead of processing my request, I have been bounced between different contacts without resolution. 

When I called customer support, I was told that the account would be closed at some unspecified point in the future, but I was not given any confirmation, timeline, or written follow-up. As of today, my account remains open.

I have made a clear and direct request to close the account immediately. The bank has failed to act on this request or provide written confirmation, despite multiple attempts on my part.

I am requesting that Bilt immediately close my account and credit card and provide written confirmation of the closure. I am also concerned about potential fees, charges, or credit reporting issues resulting from the account remaining open against my wishes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Affirm Holdings, Inc
State: IN

Complaint narrative:
On XX/XX/year> I went to purchase something on a website using affirm. When I went to sign up it said I already had an account under different information. I contacted them and they fixed the issue. All of my credit files have been frozen since then. Today I found myself on another website and the price was a bit pricey so I thought well why not sign up for affirm. Once again it says I already have an account but I dont. I call and explain how this is the second time this has happened. They clearly dont believe me and the guy tells me to download the app on my phone and try to log in using my information. I explain to to him, that doesnt make sense because the other person will see that. He explains that they wont at all everything will automatically change. I say once again, that is just impossible because Ive never received a notification for this account so why would I when I try to sign in .. knowing its not under all of my information. He says once again no they will not see. I begin to sign in and of course it immediately sends a code to the other person and he says once again oh okay one second. I can tell he realizes that it actually isnt me. So I begin to say why is it so easy for someone to make 2 accounts that dont belong to me in less than 6 months. He placed me in a hold and canceled the account. Then asked if I wanted to continue my purchase No

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Debt and creditors have illegal authorized my person information

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 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

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 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/year> I added a payment account and made it my default payment account for my CitiBank credit card. Somehow, this information was not saved and Citi Bank tried to withdraw the funds from an account that was not funded. When I noticed it happened I reached out right away to resolve and I was told there was no problem, but if I was unsure to pay the amount again and I did. Then a {$30.00} free appeared. I asked to have it reversed and was told that it would not be a problem, I just had to wait for it to be 'billed '. I chatted a third time to find out when it would be billed and they informed after my cycle close date. When I reached out today they told me there was nothing they could do. 

I feel {$30.00} is an excessive fee when what really happened was their system did not save my preference for the payment account.

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 2026-01-27 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: NJ

Complaint narrative:
Beginning in or around XX/XX/year>, my Cash App account began showing recurring charges from XXXX that I did not authorize, did not approve, and did not receive services for. At the time these charges occurred, I had not actively used XXXX for over a year and was unaware that my XXXX Applinked card was being charged. 

After discovering these transactions, I contacted Cash App support to dispute the XXXX charges as unauthorized. My first dispute was later denied without any explanation or details regarding the basis for the decision. 

I contacted Cash App support again and filed a second dispute for the same unauthorized XXXX transactions, again explaining that the charges were not approved by me and that no services were received. During this interaction, a Cash App representative stated that the dispute would be escalated and reviewed further. 

Shortly after submitting this second dispute, Cash App closed my account. I received an email stating that my account was closed due to failure to verify my identity after the dispute was flagged as potentially fraudulent. However, I was not provided with clear instructions, a reasonable timeline, or a meaningful opportunity to complete identity verification before the account was closed. 

Cash App also denied the second dispute, citing vague reasons such as account history, transaction disputes, or possible violations, without identifying any specific activity or evidence supporting the denial. 

I contacted Cash App a third time to request clarification regarding both the dispute denial and the account closure and submitted an appeal. The appeal was escalated and reviewed by a Cash App support manager. 

Following this review, I was informed that the original decision would remain in place. The appeal and dispute denial were upheld under reference number XXXX, which was filed on XX/XX/year>, and I was informed that my Cash App account would remain deactivated and that I would no longer be able to access or use my account or its features. No additional explanation or specific basis for this decision was provided. 

I believe Cash App failed to conduct a reasonable investigation into my unauthorized transaction dispute and improperly closed my account in connection with my good-faith efforts to report and resolve unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
On XX/XX/year>, I contacted Bridgecrest to ask about hardship options for my auto loan because I anticipated difficulty making my upcoming payment. During that call, a Bridgecrest representative explicitly told me that I did qualify for a payment deferral, but that I needed to call back on XX/XX/year> because it was too soon and my account needed to be 30 days past due to process the deferral. 

I relied on this information and followed the representatives instructions exactly. When I called back as directed, I was then told by another representative that I do not qualify for a deferral because my account has a late payment, which directly contradicts what I was previously told. I was further told that I misunderstood the original agent. 

This is misleading and unfair. I proactively contacted the company for help, followed the guidance provided by their employee, and am now being penalized for doing so. If being 30 days late is required to qualify for a deferral, then my account status should not now be used as the reason for denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year> a one XXXX XXXX sent me {$50.00} though XXXX  for a fundraiser I was doing. Several months later, not sure exactly when, XXXX XXXX flagged the purchase as fraudulent and asked XXXX  to refund the money. XXXX XXXX FIxed the issue with XXXX but XXXX  claimed I owed them {$50.00} and froze my account, requesting that I repay them. My accoutn showed a {$50.00} deficit. I tried to close the account but it seems I can't. 

Yesterday, a friend was suppsed to send me {$40.00} through XXXX but sent it to XXXX  by mistale and XXXX  took the money. 

To me this seems life theft. They owe me {$40.00}. There is no real way to get in touch with anyone at XXXX  who can help me with this. 

Please assist!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
I was surprised when I checked my XXXX credit score it was decreased by XXXX points because of the unpaid collection from Credence Resource Mana for {$110.00} for XXXX dated XX/XX/year> which I already settled with them long time ago. I don't owe them any single XXXX! I hope you could help me with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
We had a prior mortgage for another property with Freedom Mortgage and we only escrowed our property taxes and not our homeowner 's insurance. We pay our homeowners policy ourselves. An Out of Cycle escrow analysis was requested and refund. Furthermore, there has been multiple issues with processing of payments that require diligence from the owners to remind the servicer how payments should be applied to the loan.

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 2026-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: TX

Complaint narrative:
Information to Include in Your Complaint To ensure your complaint is effective, include the following details from your document : Company Name : Selene XXXX  XXXX. 

Account Number : XXXX. 

The Problem : Failure to issue a refund of {$420.00} following payment activity in 2025. 

Supporting Documents : Attached the 2025 Annual Statement you provided as evidence of your account activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank of America took money out of my account without authorization. About {$2800.00} XXXX said because my brother deposited a bad check the liability falls on us. 
To our defense my mom XXXX XXXX and brother XXXX XXXX had called and went into the bank to verify the check was good ( inheritance check ). Hes XXXX and never XXXX had anything like that so he wanted to triple check everything was good. Bank of America confirmed it was good and proceeded with cashing the check. In the calls and notes you can confirm. The liability should 100 % fall on the bank for negligence on their end. We did our part to confirm. Now my money is gone. I have bills to pay. It was all I had and I had nothing to do with this situation. 

BofA has over and over allowed fraud and failed to follow protocols. Not only did they take our money but they also have that money insured and double dipped. XXXX Bank of America

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 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: NRA Group, LLC
State: NJ

Complaint narrative:
XX/XX/year> - at XXXX NRA Group sent a text message regarding payments to an account. I never signed anything with them or have done business with them. Per FCRA and according to 15 US Code 1692 G, you have violated my rights by in-lawful communications. Please remove this collection off my credit report.

Company response to consumer: Closed with explanation