vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: VA

Complaint narrative:
This is the email I sent them XXXX month ago with no response : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern, I am writing to formally dispute the alleged debt that you have placed in collections under my name. I recently became aware of this account, which you claim originated from XXXX ( XXXX ). XXXX XXXX XXXX, along with its affiliated debtors, filed for XXXX XXXX bankruptcy on XX/XX/XXXX, in the United States BankrupXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Case No. XXXX ( XXXX ) ). These cases were subsequently converted to XXXX XXXX proceedings on XX/XX/XXXX. Despite this bankruptcy filing, you began attempting to collect this alleged debt in XXXX. This raises serious concerns regarding the legality and enforceability of your collection efforts. In addition, I dispute this debt based on breach of contract. The orthodontic treatment provided by XXXX was ineffective and did not meet the terms and expectations of the agreement. As a result, XXXX failed to deliver the promised services, rendering the contract materially breached. Any alleged balance is therefore invalid and unenforceable. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I hereby request the following : Validation of the Debt Provide proof that I legally owe this debt, including a copy of the original signed agreement and a complete, detailed payment history. Proof of Your Legal Right to Collect Provide documentation demonstrating that TekCollect has the legal authority to collect this debt, including proof of assignment and confirmation that the debt was not discharged or affected by SmileDirectClubs bankruptcy proceedings. Proof That This Debt Is Still Enforceable Provide written confirmation that this alleged debt has not been discharged, invalidated, or rendered uncollectible due to bankruptcy or breach of contract. If you are unable to provide proper validation and documentation, you must immediately cease all collection activity, remove this account from my credit reports, and provide written confirmation that this matter has been resolved. Furthermore, continued reporting or collection of this debt without proper validation may constitute violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). If such conduct continues, I am prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney Generals Office, and the Federal Trade Commission ( FTC ). Please provide the requested documentation within XXXX ( XXXX ) days of receipt of this notice. Failure to do so will be considered evidence that this debt is invalid, and I will demand its immediate removal from my credit reports. Sincerely, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: WA

Complaint narrative:
I ve disputed this over 30 times I dont need to explain anything except no contract no sale

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I downloaded an app called XXXX and it made me force to get a trial before I can use it so I did. While signing up it was mentioned I will receive a notification before the trial ends. Which I never received. Also, when i signed up I used my XXXX Debit card and the app somehow charged my Apple card. I tried disputing the charges with the apple card and they denied the claim and even denied the appeal. I emailed XXXX support and they said they can not help me and I need to contact the card issuer. And I asked them about charges to the card i did not even give information of and they have stopped responding. I followed up but no response. Charge amount was {$89.00} and it was charged on XX/XX/year>. I am not even using the app and will not be using as it is not worth the money. Please help. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX a XXXX transaction I dont recognize was sent to XXXX XXXX and another one was sent on XXXX. Both total for {$220.00}. And I request my money back as I dont recall sending the money but they block me on text and decline my XXXX request. They claim to be a professional sports bettor was supposed to help me with sports betting knowledge but never got the promised course or recover my funds and he blocked me from text and social media without giving me my money back. I want this person prosecuted for stealing and scamming and doin cyber crimes and I want my {$220.00} back. Thank you

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 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am disputing a collection account reported by National Credit Systems. I have no knowledge of this debt and requested verification through the credit bureaus. The company continues to report the account without providing proper validation of the alleged debt. Please require them to verify the account or remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> The company stated the case was closed, the issue resolved, and a refund was to be paid : no tracking system involved in the refund, no target account stipulated for the refund, no information given on a timeline, no information involved whatsoever, other than an amount pulled from thin air as compensation for breach of contract. if I had hired an attorney, this case would be going to trial. Consider this communication to CFBP to be a demand letter for {$100000.00} for financial and emotional damages, pain, and suffering, to be forwarded to the plaintiff in this case, for it to be legally resolved and the plaintiff held accountable.

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 2026-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: WA

Complaint narrative:
I ve disputed this over 30 times I dont need to explain anything except no contract no sale

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: NC

Complaint narrative:
I am filing a complaint against Current regarding unauthorized transactions on my account that were not properly investigated. In XX/XX/year>, my phone and purse were lost, which contained access to my debit card and banking app. After discovering this, I reviewed my Current account and noticed numerous transactions that I did not authorize. These charges occurred between approximately XX/XX/year> and XX/XX/year> at multiple merchants and locations. I immediately reported the unauthorized transactions to Current and opened disputes through the app. However, the disputes were closed and denied in less than XXXX hours. Current did not contact me for additional information, did not request documentation, and did not appear to conduct a reasonable investigation before denying the claims. Under the Electronic Fund Transfer Act ( Regulation E ), financial institutions are required to conduct a reasonable investigation of reported unauthorized electronic fund transfers. The extremely short timeframe in which my disputes were denied raises serious concerns that a proper investigation was not performed. These transactions total over {$1000.00} and occurred after my phone and belongings were lost. I did not authorize these purchases and I did not benefit from them. I am requesting that Current reopen the investigation, conduct a proper review of the disputed transactions, and provisionally credit my account while the investigation is conducted as required under federal consumer protection laws. I am also requesting documentation explaining how the investigation was conducted and the basis for denying my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
What happened I went to this school call XXXX XXXX in XXXX XXXX Florida back in XXXX I graduated in XX/XX/XXXX after I graduated from there I thought was going to find me a job in the medical coding billing XXXX after I finish my course they never promised me that also I did graduate in XXXX that was our graduation day they was still open the time I was going there now they permanently closed the school back in. XXXX or XXXX now they go under another name school call XXXX XXXX in XXXX XXXX Florida I send payment to XXXX XXXX XXXX XXXX Texas XXXX they phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XX/XX/year> Equifax Information Services LLC XXXX Department XXXX. XXXX XXXX XXXX, GA XXXX Subject : Notice of Intent to File Civil Action FCRA Violations To Whom It May Concern, This letter serves as formal notice of my intent to pursue legal action against Equifax Information Services LLC for violations of the Fair Credit Reporting Act. I have repeatedly disputed a fraudulent account reported by XXXX XXXX Bank. The account was the result of identity theft and was formally reported to the Federal Trade Commission. Supporting documentation, including my FTC Identity Theft Report and written confirmation from XXXX XXXX indicating the account was fraudulent, has been provided to your company on multiple occasions. Despite receiving this documentation, Equifax has repeatedly responded that the account was verified as accurate. Your actions constitute potential violations of the Fair Credit Reporting Act including but not limited to : Failure to conduct a reasonable investigation XXXX XXXX. XXXX Failure to block identity theft information XXXX XXXX. XXXX XXXX inaccurate information after notice of dispute Negligent and willful non-compliance with federal law The continued reporting of this fraudulent account has caused significant harm to my credit profile, reputation, and financial standing. If this matter is not resolved within 15 days of receipt of this notice, I will proceed with : Filing formal complaints with the Consumer Financial Protection Bureau and the Federal Trade Commission Filing a civil lawsuit in Federal District Court seeking statutory damages, actual damages, punitive damages, and attorneys fees as provided under the Fair Credit Reporting Act To resolve this matter without litigation, Equifax must : Immediately delete the fraudulent XXXX XXXX account from my credit report. Provide written confirmation of deletion. Provide the method of verification documentation requested under FCRA XXXX ( a ) ( XXXX ). Please consider this letter a good-faith attempt to resolve this matter prior to filing suit. Sincerely, XXXX XXXX Attachments : FTC Identity Theft Report XXXX XXXX XXXX Determination Letter Copies of Prior Disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I was already in contact with Navy Federal Credit Union regarding fraudulent activity on my account, where my card had been charged more than 30 times by a company ( parchment univ-docs ) without my authorization back in XX/XX/XXXX. I reported these transactions and was told the matter would be investigated.While I was waiting to hear back from the credit union, I received a phone call that appeared to come directly from Navy Federal Credit Unions official phone number. Because the caller ID showed the credit unions real number and I was already dealing with fraud on my account, I reasonably believed I was speaking with a legitimate Navy Federal representative.During this call, I was manipulated into actions that resulted in a loss of {$1300.00}. I later discovered the call was spoofed and that the individual was impersonating Navy Federal Credit Union. I reported the incident and filed a dispute, but the credit union denied my claim. I then filed an appeal and the claim was denied again. my account had already been experiencing fraudulent activity before this incident, and I had contacted the credit union about it. Despite being aware that my account was compromised, Navy Federal failed to adequately secure my account or prevent further fraudulent activity during the time their investigation was pending. Given that the scam occurred while my account was already under review for fraud and involved caller ID spoofing of the credit unions official number, I believe the investigation into my claim was inadequate. I am requesting that this case be reopened and thoroughly reinvestigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WI

Complaint narrative:
XX/XX/year> @ XXXX XXXX - {$180.00} XX/XX/year> @ XXXX XXXX - {$210.00} XX/XX/year> @ XXXX XXXX - {$230.00} I called the Chime twice to dispute my charges both times they were denied for lack of evidence. I sent screenshots of my recent XXXX purchase history. I contacted XXXX to see if I could get order numbers but they couldnt help me because the purchase was not made from my account. All purchases were made while I was at work because I work third shift. The only time I got notified was the last purchase when they flagged it. As soon as the flagged it a froze my card and called chime they told me to get a new card so I did so. I called again the next day and they told me I must wait till the charges are done pending then call them again to dispute them. I did exactly that. The first person I talked to didnt ask for much information just asked me basic yes or no questions. It was denied so I called back a few days later, that person told me it was for lack of proof I told him no one had asked me for proof in the first call. So thats when I sent him screenshots of my recent purchases. I found out it was denied again so thats when I reached out to XXXX and asked about these charges. They couldnt do anything because they were not made on my account online.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: NJ

Complaint narrative:
Debt validation requested XX/XX/XXXX. No proof provided. Account still reported to credit bureau. XXXX refused removal. I have never lived at XXXX XXXX XXXX. It is in a XXXX community. This is not a valid debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: TRUIST FINANCIAL CORPORATION
State: MO

Complaint narrative:
reference to COMPLAINT # XXXX : YOU ASKED FOR ADDITIONAL INFORMATION. ADDITIONAL INFO IS : NAME : XXXX XXXX CONTACT INFO : XXXX AND XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ACCOUNT NUMBERS : LOAN ACCOUNT NUMBER IS XXXX NOTE : I BELIEVE YOU HAVE RECEIVED ALL THE OTHER INFORMATION. THANKS, 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 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bilt Technologies, Inc.
State: NY

Complaint narrative:
I have been using the Bilt CC to pay rent. They recently changed banks and their gram where rent paid is now automatically deducted from your checking account as opposed to being on credit. I did not have the correct information in my rental portal to facilitate this change of payment so my credit card got charged along with a service fee. I have been trying to talk to someone all week about this as well as my property management company. There are no people at this company and I have yet to hear back. I have never heard of column bank as the bank they are using for these payments and I'm concerned about fraud. I want my transaction reversed along with my service fees and I'm hoping the payment can be done correctly otherwise I have to close the card. I would tell everyone not to use this scam of a card post their switch to column bank from a reputable bank like XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Reference Number : XXXX XXXX. Erroneous Misclassification : PayPal has misclassified a personal family gift of {$3000.00} as " merchant sales activity. '' I am a private consumer, not a business. This was a gift from my mother-in-law, not a payment for goods or services. 2. Arbitrary Holds Based on False Status : By treating me as a merchant, PayPal is applying business-level risk protocols to my personal property. They are holding these funds for XXXX days to mitigate " chargeback risk, '' despite the fact that the sender is a family member who has confirmed no dispute will ever be filed. 3. Conflicting & Deceptive Communication : PayPals communication has been inconsistent and unreliable. Over a period of XXXX week, I was provided XXXX separate release dates : XX/XX/year> ( Partial release promised ) XX/XX/year> ( XXXX hold per the Office of Complaints ) XX/XX/year> ( XXXX hold per standard support ) 4. Unfair Financial Hardship : Because PayPal is treating personal funds as commercial revenue, they have effectively frozen my only means of paying essential bills. I have already incurred late fees and significant stress due to their refusal to recognize this as a non-commercial transaction. Section : " Desired Resolution '' I am requesting the immediate release of the full balance of {$3000.00}. PayPal should reclassify this transaction as a personal transfer and waive the merchant-level hold period, as there is no consumer protection risk involved in a family gift.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
I've been banking with chime for years up until recently I just started back using chime to get my paychecks. On XX/XX/year> chime sent XXXX $ to a person who i don't know. Then on XX/XX/year> they sent another XXXX $ to the same person after I explained to them they made a mistake the first time. I have tried calling and telling them they made a mistake but they refuse to reimburse my funds and it's crippling my children and myself. Can someone please help me to get them to understand that they made a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 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: IL

Complaint narrative:
XX/XX/year>. Payment of " {$500.00} sent via cash app to friend. After not receiving the payment it was determined to be an old account that the recipient no longer has access to. Then an additional {$500.00} was sent to the correct account. I imidiately issues a refund request and xhecked the provided box for " payment sent to wrong person by mistake ''. For a week to follow, both my friend and myself sat side by side on separate devices following supports instructions to recover the old account and approve the refund that way. All required info was given and access to the account was denied. I filed a dispute only to be denied because my device wasn't compromised .. that's wasn't the reason for my dispute!! I then filed an appeal providing XXXX % unequivocal proof of transaction history, account ownership, and screenshot of conversation with timestamps between the recipient and myself only to be rudely denied with a too bad so sad " final decision " " case closed ''. This is completely unacceptable and also the reason the safeguards and recovery processes are in place to begin with. Not to wrongfully withhold funds that rightfully belong to someone. It's feels like blatant theft!!

Company response to consumer: Closed with explanation