vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: VIRTUOSO SOURCING GROUP, LLC.
State: CA

Complaint narrative:
I am disputing a debt being collected by Virtuoso Sourcing Group that stems from a security services contract originally with XXXX XXXX and later managed by XXXX. The debt is invalid because the services I contracted for were not provided. The equipment I was paying forincluding indoor and doorbell cameras and security equipmentstopped functioning. I reported the issue multiple times directly to XXXX via phone, but the problem was never repaired or resolved. I was told to continue paying for non-functioning equipment. I paid for a few months and then stopped because I was not receiving the contracted services. I called Virtuoso and spoke to a team member and then a manager who ignored my dispute, stating that XXXX said my services were not paid and thats the reason for the debt collection and just recommended I pay the amount. I then submitted a written dispute via email to XXXX on XX/XX/XXXX, explaining that the debt is disputed due to non-functional service. Virtuoso responded that they only handle matters over the phone ( even though over the phone the manager wouldnt accept my dispute or even investigate it ) and refused to accept any written dispute. This refusal is improper under the Fair Debt Collection Practices Act, which allows consumers to dispute debts in writing. Virtuosos investigation was inadequate. They claimed that because I stopped paying, my account was canceled, which ignores the central issue : that XXXX failed to provide functional service per the original contract. Virtuoso has not provided any proof that the service was operational, nor any repair or service logs, they are simply not responding or accepting my dispute because of their claims that I stopped paying but ignoring the central issue. I am seeking assistance from the CFPB because : XXXX. XXXX failed to provide the contracted services. 2. Virtuoso is attempting to collect a debt for services that were not delivered. 3. Virtuoso refuses to accept or properly investigate a written dispute. 4. I am concerned this disputed debt may be reported to credit bureaus despite the service failure and my legitimate dispute. I request that the CFPB investigate this matter and ensure the debt is either validated properly or removed from collection, and that my rights under the FDCPA are enforced.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I am filing a complaint regarding a $ 25 monthly maintenance fee charged on XX/XX/scrub>XXXX XXXX XXXX On XX/XX/year>, I contacted TD Bank customer service to understand how to avoid the monthly maintenance fee. During that interaction, the representative did not inform me that setting up direct deposit would waive the fee. Instead, I was only advised to maintain a daily minimum balance. However, my billing cycle begins on the XXXX of each month. By the time I received this information on XX/XX/XXXX, it was no longer feasible to meet the balance requirement for that billing period. Had I been properly informed about the direct deposit option, I would have taken action to avoid the fee. I subsequently contacted TD Bank multiple times to request a one-time courtesy waiver, explaining that the fee resulted from incomplete or misleading information provided by their representative. Despite this, my request was repeatedly denied. I was also instructed to visit a branch, which created additional inconvenience, and the issue still remains unresolved. I am a good-faith customer and have clearly stated that I will fulfill the direct deposit requirement going forward. This fee could have been avoided if accurate and complete information had been provided initially. I respectfully request a one-time refund of the {$25.00} maintenance fee due to the circumstances described above.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this complaint regarding the continued inaccurate reporting of a credit card account. This account was previously delinquent but has since been resolved and settled. The account is no longer active, and no balance remains. Despite this, the account continues to be reported as a charge-off. I took action to resolve this account in good faith. Since then, I have made efforts to address the reporting directly with the company, requesting that the account be updated to reflect its resolved status. However, the account continues to be reported in a manner that does not accurately reflect its current condition. The continued reporting of a charge-off status is misleading and negatively impacts my credit profile despite the account being satisfied. I am requesting that this account be properly updated to reflect accurate information or removed if it can not be fully verified as accurate under reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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 tried to paid my landlord ( monarch property management ) {$1600.00} on XX/XX/year> from my chime account. On that day there was an outage/cyber attack that prevented the payment from being made which resulted in a {$25.00} returned check fee and a {$150.00} late fee from monarch. I called chime and asked for proof that I had funds in the account which they sent a generic statement of my deposits from that time period. However, when asked to confirm the " outage '' ( they wouldn't admit to a cyber attack because " that implies breach of data '' ) they said they could not confirm it for me and to send my landlord information about it from XXXX. My landlord wont accept this because it doesn't prove the lack of payment was due to the outage and they insist upon the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MO

Complaint narrative:
I am filing a complaint against Chime Financial regarding a delayed check deposit. I deposited a check into my account, and Chime is holding my funds without providing a clear or reasonable explanation. This delay has caused me financial harm, as I was unable to pay my rent on time and have now incurred a late fee. I rely on access to my funds for essential living expenses, and this situation has created hardship. I am requesting that the funds be released immediately and that I be reimbursed for any late fees or damages caused by this delay. Additionally, I am requesting a full explanation of why the hold was placed and why it has not been resolved in a timely manner. This issue requires urgent attention.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I closed my XXXX XXXX on XX/XX/XXXX but have an active XXXX and XXXX card. Capital One is refusing to consolidate my XXXX miles to my active accounts, effectively stealing ~ {$3000.00} in value by only offering a low-value cash-out. I am within the 90-day redemption window and am an active customer

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: CO

Complaint narrative:
XXXX XXXX was charging me a balance I already paid and sent me to collections which dropped my credit score by XXXX points. I called the collection company and they sent me another collection staement.

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 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I got noticed from my employer that a garnishment order had been processed and that the creditor would be taking money from my wages. I immediately called the collection agency asking if there were any options to stop the garnishment and make payment arrangements which they said no it was not. I proceeded to be really emotional because of life hardships and I cried over the phone the representative then started laughing as I was on the phone explaining my situation. The next representative then give me misleading information telling me that I owed XXXX and that even after garnishment is successful and nothing is owed he was threatening that wasnt accurate and that the garnishment would not be stopped even if I paid what I owed. Which I know that is not right and the representative even proceeded to say that is why you keep getting hung up on because you are being very rude and not letting representatives talk even though I was being told the wrong information and I only made a comment that my employer will not wait for them to send a garnishment release they will stop it automatically. The reps from this creditor wanted to argue me about how my company does these processes and I got disconnected multiple times even called a representative a foul word because I was so upset and angry and felt like no one was listening and they kept saying things that I didnt even ask about. I want to make a complaint because after XXXX is gotten from my wages these people should not be taking anything out and my job will stop this automatically they are not waiting for them to release garnishment XXXX days after they have taken money already. I am filing this complaint because the communication tactics are terrible and they talk to you as if you were scum on the bottom of a shoe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This is a job scam fraud that I got pulled into by below individuals pretending to be XXXX XXXX company, they offered me a offer letter, took my driver 's license & SSN. They transferred money to my checking account ( it cleared the bank ), and asked me to XXXX that amount to individual vendors ( they were scammers ). I XXXX {$2000.00} amount to the scammers, then I realized the fraud and alerted my bank of America. Bank made this claim # XXXX XXXX Scam XXXX, but denied the claim twice. I gave them the email evidence of scam, made police report case # XXXX, XXXX complaint XXXX. But the representative in fraud department in BOA are still not understanding the issue and keep denying my claim. Can you please help me to settle this claim and get my funds back ( {$2000.00} ) Conversation below is with XXXX XXXX XXXX representative XXXX XXXX : ( I also send all my email communications to BOA ) I reported this fraud to Bank of America and also made a police report regarding this : case # XXXX ( police report ). Also please be aware these below individuals are using XXXX XXXX to generate job offers, company check. My communication with them is captured in the email responses I forwarded to you earlier. XXXX ) XXXX XXXX ) XXXX XXXX, phone # XXXX ( XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX, XXXX ) Also, the person below was accepting wire transfers on your behalf regarding equipment purchase ( see attached pictures ). XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Account Type XXXX XXXX Checking Account Number XXXX Routing Number XXXX Please report these individuals to the right authorities as they are using Premise Health job offers, checks to scam job seekers. Thank you for your attention to this matter : Sincerely, XXXX XXXX

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 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SECURITY CREDIT SYSTEMS INC
State: TX

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Good morning, I was contacted by an individual who impersonated Wells Fargos fraud department and provided detailed information about my account that made the call appear legitimate. The caller stated that my accounts were under immediate threat and that I needed to follow their instructions to secure my funds. Throughout the interaction, I believed I was speaking directly with Wells Fargo and that I was complying with official bank security procedures. The individual used urgency, fear, and repeated warnings about potential losses to pressure me into acting quickly. Under this deception, I was instructed to withdraw {$19000.00} of my own funds from my checking after they claimed to transfer Wells Fargo money to my checking account but was from my savings account as they hacked into and transferred from my savings account to my checking. and could not view my accounts as they crashed my online banking app. I was instructed to withdraw my own funds so they could be verified and protected. I was told that a Wells Fargo representative would collect the funds as part of the fraudprevention process. I followed these instructions because I believed they were coming from Wells Fargo and that I was preventing further unauthorized activity. At no point did I intend to give my money to a stranger or authorize any third party to take possession of it. My actions were the direct result of fraudulent inducement by someone falsely claiming to be Wells Fargo. I acted under manipulation and duress, believing I was following legitimate bank instructions. The funds were ultimately taken by the impersonator who misrepresented themselves as a Wells Fargo employee. I did not voluntarily transfer or gift the money ; it was obtained from me through deception. I am requesting that this incident be classified correctly as fraudulent inducement/impersonation fraud, not an authorized transaction, and that Wells Fargo XXXX XXXX and conduct a new reinvestigation consistent with Regulation XXXX and current federal guidance on bankimpersonation scams. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2026-04-08 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: MA

Complaint narrative:
I have disputed these accounts multiple times with the credit bureaus and directly with the companies. I requested full validation of the debt, including a signed agreement, complete payment history, and documentation proving that this debt is legally mine. The companies failed to provide proper validation. Instead, they continue reporting this account as verified without providing any signed contract or sufficient proof. The information is also inconsistent across different credit bureaus. Despite my previous disputes, the account remains on my credit report without proper verification. This is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that these accounts be removed immediately from all credit bureaus due to failure to properly validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo cut their ties with XXXX credit card, so they automaticall transferred my balance to a new credit card I didn't want. Since I had a balance, I had to wait to close that credit card before finishing up the payments. I called Wells Fargo every single week for the last month after making payments asking them to reduce the interest fees or I'd close the account, they refused and kept charging me even after I request closure of the card. The first month they charge me {$68.00} on XX/XX/2026, which was acceptable. Then on XX/XX/XXXX they charged me again but now the interested was {$150.00}. So by then I started to call them every single Friday trying to make arrangements to pay it all off before being charged again. I told them I'd close the credit card if they couldn't help me waive the fees. They didn't waved the fee, so I first called to close on Friday XX/XX/XXXX, and was told the {$50.00} fee would be waved. By monday, XX/XX/XXXX, it wasn't waved. So I did the last balance payment of {$50.00} and asked to speak to a supervisor who assured me the credit card was closed for good. He even read the disclaims and all that. Today, XX/XX/XXXX, i got an email saying i have to pay {$70.00} balance on my account, which I thought was already closed. I called to complain and they said they would start a investigation but couldn't reimburse me and close the account. I feel cheated on and that they acted on bad faith, since I've been trying to call them and negotiate my interest fees, and they kept promising that would be waved. It wasn't ever waived, and they charged me more even after I closed the 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