vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX, I received collection correspondence from XXXX XXXX XXXX XXXX on behalf of Bank of America, N.A., asserting that I am personally liable as a guarantor on a business credit account ending in XXXX with an alleged balance of {$72000.00}. On XX/XX/XXXX, I sent a written dispute and validation demand requesting : ( XXXX ) a signed, executed personal guaranty bearing my signature; ( XXXX ) the underlying credit agreement ; ( XXXX ) complete account statements ; ( XXXX ) an itemized balance calculation ; and ( XXXX ) proof of default and Bank of America 's authority to collect. Bank of America responded only with a letter stating the account was opened XX/XX/XXXX, that the balance is {$72000.00}, and providing generic dispute instructions. No executed guaranty, no credit agreement, no account statements, and no itemized balance were provided. This response is insufficient. A personal guaranty is a separate contractual obligation that must be evidenced by a signed writing. Providing a balance figure does not establish that I am personally liable as a guarantor. Bank of America, as a furnisher of information under the FCRA ( 15 U.S.C. XXXX ), is prohibited from reporting information it can not substantiate. Continuing to report or pursue collection of a personal obligation it can not document is misleading and potentially violates 15 U.S.C. XXXX ( a ). I request that the CFPB require Bank of America to produce the executed guaranty and supporting account documentation, or cease all collection activity directed at me personally and correct any inaccurate credit reporting related to this alleged obligation.

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 2026-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing a formal complaint against LVNV Funding LLC regarding a collection account currently being reported on my credit file. According to my credit report, LVNV Funding LLC is reporting an account with the following details : Balance : {$680.00} Account Status : Open Remarks : Placed for collection Date Opened : XX/XX/year> I dispute the accuracy and validity of this account for the following reasons : 1. Lack of Proper Validation I have not received adequate documentation proving that this debt is legitimately mine or that LVNV Funding LLC has the legal right to collect on it. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to full validation of this debt. 2. Inaccurate / Misleading Reporting The account is listed as open, which is misleading for a collection account. This may be negatively impacting my credit report unfairly. 3. Failure to Provide Original Creditor Details The report does not clearly identify the original creditor or provide sufficient account history to verify the debt. I am requesting that the CFPB require LVNV Funding LLC to : Provide full validation of the debt, including original creditor information, account statements, and proof of ownership of the debt Correct any inaccurate reporting immediately Remove this account from my credit report if proper validation can not be provided If LVNV Funding LLC can not verify this debt in accordance with federal law, it must be deleted from all credit reporting agencies. I expect a timely investigation into this matter and appropriate action taken to ensure my rights are protected under the FDCPA and Fair Credit Reporting Act ( FCRA ). Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Annual fee of {$95.00} was charged XX/XX/2026. Account was closed XX/XX/2026. I called to have the annual fee reversed, or prorated and the agent agreed. He contacted the back office operations team and they attempted to reverse the fee, but could not as the account was already closed. A system limitation should not prevent the reversal of a fee. Especially after the agent agreed to reverse it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I reported unauthorized transactions on my Wells Fargo checking account that occurred in XX/XX/year>. These included multiple ATM withdrawals totaling approximately {$3400.00} and cash withdrawals totaling approximately {$6500.00}. I did not authorize these transactions and did not benefit from them. I filed fraud claims with Wells Fargo, but both claims were initially denied. I continued to dispute the decision and requested reinvestigation through Wells Fargo and the Consumer Financial Protection Bureau. After further review, Wells Fargo recently issued a partial reimbursement of approximately {$3500.00} related to the ATM transactions. However, the remaining disputed transactions totaling approximately {$6500.00} have still not been reimbursed. Since Wells Fargo has already determined that part of my claim was valid and issued reimbursement, I believe the original investigation was incomplete or incorrect. I maintain that the remaining transactions were also unauthorized. I am requesting a full reinvestigation of the remaining disputed transactions and reimbursement for the outstanding amount.

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 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am filing a complaint against TD Bank regarding the handling of a dispute claim and the service I received at a branch located at XXXX XXXX XXXX, XXXXXXXX XXXX I visited the branch to file a dispute regarding a returned refund and brought supporting documentation with me to ensure my claim could be processed efficiently and to avoid delays in receiving a provisional credit. During my visit, I worked with a store supervisor, XXXX XXXX. I specifically asked him to include my documentation with the initial claim and to properly document key details related to my situation. He informed me that there was no option to include documentation at the time of filing and that I would have to wait for the fraud department to request it. Before leaving, I asked him directly for the fraud departments phone number so I could confirm the timeline for receiving a provisional credit and ensure I had provided everything necessary to avoid delays or denial. Instead, he gave me a general customer service number, which would have caused additional delays due to transfers. After leaving the branch, I contacted the fraud department myself and was informed that customers are encouraged to submit documentation upfront to help expedite the claim process. This directly contradicts the information I was given at the branch. As a result, I was unable to submit my documentation at the appropriate time, which may delay my claim and could potentially impact my ability to receive a provisional credit. I now have to take additional time to correct an issue I attempted to handle properly during my initial visit. Additionally, the lack of knowledge and guidance from a supervisor, along with a dismissive attitude, contributed to a negative experience and unnecessary inconvenience. Claim number XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
XX/XX/2026 I request : XXXX of the original signed agreement Proof of ownership and assignment Full account history If you can not verify this information, you are required to delete these accounts immediately. Please provide documentation of your investigation. I am filing this formal complaint against the above-referenced entity for violations of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ). The company is currently reporting a collection account on my consumer credit reports that I formally dispute in its entirety. Despite my dispute, the company has failed to provide adequate validation of the alleged debt as required under FDCPA 809 ( a ) and continues to report this account to consumer reporting agencies. To date, I have not been provided with : A copy of the original signed agreement bearing my signature Documentation proving the alleged debt is valid and accurate Proof of legal assignment or ownership of the debt ( chain of title ) A complete payment history or itemization of the amount claimed The continued reporting of this account without proper validation constitutes the furnishing of inaccurate and unverifiable information in violation of FCRA 623 ( a ) ( 1 ) ( A ), which prohibits reporting information known to be inaccurate or that can not be substantiated. Additionally, the companys actions represent unfair and unconscionable collection practices under FDCPA 807 and 808 by attempting to collect and report a debt without proper legal standing or verification. Furthermore, any verification provided to credit reporting agencies without conducting a reasonable investigation violates FCRA 611 ( a ), which requires that disputed information be thoroughly investigated and verified. Due to these violations, I am demanding the following : Immediate deletion of this account from all consumer reporting agencies ( XXXX XXXX XXXX ) Cessation of all collection activity related to this alleged debt Written confirmation that the account has been permanently removed and will not be reinserted Documentation of the investigation process used to verify this account, if applicable If the company is unable to provide competent evidence of the alleged debt, continued reporting constitutes willful noncompliance with federal law and may subject the company to liability under FCRA 616 and 617. I request that the Consumer Financial Protection Bureau investigate this matter and ensure that my rights as a consumer are upheld.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I request a complaint of unauthorized account created and charge for the amount of {$4300.00} without my acknowledgement and a full investigation in numerous time on the phone with the bank and physical to the bank for the same request on XXXX of XXXX, XXXX and XX/XX/XXXX. Also I reported to the police on XX/XX/XXXX. Previous calling to the bank for update but always advise disregard the billing that were sent to me repeatedly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
USAA responded to a bank lien by withdrawing my entire account and allegedly sending it to Virginia Tax. However, three weeks later the check has still not arrived at Virginia Tax. USAA admits that it does not have a tracking number or any other proof of mailing this payment to Virginia Tax. For all I know, USAA board members are spending my money on cocktails in the XXXX XXXX. Meanwhile, interest continues to accumulate on the balance that USAA never sent.

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 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Credit Karma, LLC
State: TN

Complaint narrative:
I am extremely frustrated with how this situation has been handled. After submitting my dispute, my account was closed, and since then every agent I have spoken with has provided different information regarding the status of my account and my remaining funds. At this point, it feels like my money is being held for the maximum amount of time without a clear explanation. I am requesting accurate and consistent information from your team. Please provide the exact reason for the hold, the amount of remaining funds being released, and the specific date I should expect to receive them. I also need clarification on why I have received conflicting information from multiple agents. This has been unnecessarily stressful, and I expect this matter to be handled fairly and without further delay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint regarding a collection account being reported on my credit file by Midland Credit Management , Inc . Account XXXX : Company : Midland Credit Management , Inc . Reported Balance : {$410.00} Date Opened : XX/XX/year> Account Status : Open / Placed for Collection I am disputing this account because I have not received proper verification of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). Despite the account being reported, I have not been provided sufficient documentation proving that this debt is valid, accurate, and legally owed by me. This account is negatively impacting my credit report and financial standing. My concerns are as follows : 1. Failure to provide adequate debt validation upon request 2. Reporting potentially inaccurate or incomplete information to credit bureaus 3. Continued reporting of this account without proper verification Requested Resolution : Provide full validation of the alleged debt, including original creditor information, account history, and proof of my obligation Or immediately remove this account from all credit reporting agencies if verification can not be provided Ensure all reporting is accurate and compliant with federal law I am requesting that the CFPB investigate this matter and ensure that Midland Credit Management , Inc. complies with all applicable consumer protection laws. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX XXXX. XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 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: TX

Complaint narrative:
I checked my transactions and saw an unauthorized withdrawal on Cashapp. I looked to see {$200.00} dollars taken on XX/XX/2026. Then another transaction of {$500.00} on XX/XX/2026.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
I am submitting this complaint regarding Rocket Mortgages handling of my request for Private Mortgage Insurance ( PMI ) cancellation under the Homeowners Protection Act ( HPA ). I purchased my home located at XXXX XXXX XXXX, XXXX, TN for {$550000.00}. Under the XXXX, I have the right to request PMI cancellation once the loan balance reaches XXXX % of the original value ( {$440000.00} ). I recently made a principal-only payment that brings my loan balance to at or below this XXXX % threshold. I am current on my mortgage payments, have a satisfactory payment history, and there are no junior liens on the property. I submitted a formal written request to Rocket Mortgage to cancel PMI based on reaching XXXX % of the original value. This request is not based on property appreciation. Despite this, Rocket Mortgage has : Failed to respond to multiple written requests Required documentation of significant improvements, which is not required under the Homeowners Protection Act for borrower-requested cancellation at XXXX % of original value Been unreachable by phone despite extended hold times exceeding XXXX hours My understanding of the Homeowners Protection Act is that a servicer may require verification that the property value has not declined, but may not require proof of significant improvements when the borrower has reached XXXX % of the original value through principal paydown. I am requesting that Rocket Mortgage : Acknowledge and process my PMI cancellation request under the Homeowners Protection Act Confirm that my request is being evaluated based on XXXX % of the original value, not appreciation Provide a clear explanation of any remaining requirements necessary to complete cancellation I am seeking prompt resolution and compliance with federal law. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I pulled my annual credit report form Equifax. I saw on there was a 3rd party debt collector claiming I owe some debt that I have no knowledge of. I never received communication from this third-party debt collector. I contacted Equifax to verify all that information. it took them less than 2 days to come back with the alleged best as " verified ''. This is ( are ) clear FCDPA violation ( s ). I received no factual proof that I have an agreement with the third-party debt collector to pay them the debt that they bought. This negative collection account must be removed from my credit report immediately. I demand that Equifax and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX provide the following. Equifax and XXXX XXXX are violating my rights as a consumer, and they deliberate violations are negatively impacting my financial health pursuant to 15 U.S.C. 1611,15 USC S.S.1692g and 15 USC S.S. 1692c. I Demand that : An actual validation of the alleged debt referenced Equifax and XXXX XXXX communication. Under Fair Debt Collection Practices Act ( XXXX ). They are required to provide full verification before any collection activity. Specifically, I request : A signed purchase agreement or assignment agreement, signed by all parties involved, showing a complete chain of title and legal transfer of the alleged debt. Documentation providing your company is legally authorized to collect debts in my State, including your current State license and bond information. A full itemized accounting of the alleged debt, including original creditor, dates, amounts, and any added fees. Until this information is provided, you must cease all collection efforts, phone calls, and reporting to any credit bureaus. I require strict proof of ownership and legal authority, pursuant to 15 USC S.S.1692g and 15 USC S.S. 1692c. Delete this collection from my credit reports writing 30 days. If you continue your collection efforts without proper validation and this alleged debt is not removed, will be documented as a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Genesys National Recovery, Inc.
State: PR

Complaint narrative:
I am submitting this complaint regarding the conduct of a debt collection agency attempting to collect an alleged debt related to a membership account. I requested that the company cease telephone communication and communicate only in writing. Despite this, they continued to make phone calls. Additionally, the company contacted a third party ( my mother ) and disclosed information about my alleged debt. During this communication, they informed her that I would be taken to court for fraud. This statement is false. This is a civil matter related to an unpaid membership, and no fraud has occurred. I also requested validation of the debt, and while I received a balance breakdown, the company continued to use aggressive and misleading communication practices, including discussing my debt with third parties and using language suggesting criminal consequences. I believe these actions may violate the Fair Debt Collection Practices Act ( FDCPA ), including improper third-party communication and the use of false, deceptive, or misleading representations. I am requesting that the company cease all telephone communication, refrain from contacting third parties, and communicate only in writing moving forward.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I requested closure of my Coinbase account on XX/XX/XXXX and was informed by a Coinbase representative on XX/XX/XXXX that my account was closed. I did not receive an email confirmation of closure. Despite this, Coinbase began charging me {$29.00} per month for Coinbase XXXX starting on XX/XX/XXXX and continued charging thereafter. I only discovered these recurring charges later. When I contacted Coinbase support, I was repeatedly told to wait for an 8-day settlement period and that they could not proceed with investigation until internal system conditions were met. I was also asked repeatedly to provide screenshots before any investigation could proceed. I requested escalation to a billing investigation team and a refund for all charges from XX/XX/XXXX onward, but Coinbase did not escalate the case and instead continued delaying. Coinbase also refused to provide a full chat transcript, stating they are not authorized to do so. I am requesting a full refund of all Coinbase XXXX charges starting from XX/XX/XXXX and a review of why billing continued after account closure was confirmed.

Company response to consumer: Closed with monetary relief