vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Services Association
State: OH

Complaint narrative:
Constant representatives continuing to call me through out the day and night asking for a debt I know nothing of. Ive had text messages throughout the night, also had a representative threatened tot have me in jail.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-28 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: Credit Bureau Services Association
State: OH

Complaint narrative:
Received random calls throughout out my work day and to my employer over a debt that was never confirmed. Never received proof of the debt even though I requested it.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Credit Bureau Services Association
State: OH

Complaint narrative:
Received multiple voice messages stating that federal actions would be taken against me due to an outstanding debt, Contacted the company via the number, constant threats to as well as threats about coming to my place of employment over my debt. Ongoing calls from multiple numbers that are similar.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Complaint Description : I am filing a complaint regarding Chase Banks denial of my fraud claim ( Claim Number : XXXX ). I paid {$1300.00} to a seller for a product that was explicitly advertised and agreed to be {$1300.00} shipped with no additional fees. The seller stated the item would be shipped via XXXX or XXXX, and there were no disclosures of any additional costs at the time of purchase. After payment was completed, I was contacted by a supposed shipping company requesting an additional {$700.00} insurance fee. This is not a legitimate or standard practice, as buyers are not required to pay separate insurance fees after completing a transaction. Payment methods requested included XXXX, XXXX XXXX, and similar non-protected methods, which is a known indicator of fraud. I refused to pay the additional {$700.00} because it was clearly not part of the original agreement. After I refused : The seller failed to ship the item No valid tracking information from XXXX or XXXX was provided The seller stopped responding to my messages I never received the item I never received a refund despite multiple requests This situation is not a billing dispute or buyers remorse. This is a clear case of : Misrepresentation of terms at the time of sale Introduction of undisclosed fees after payment ( bait-and-switch ) Non-delivery of goods Fraudulent attempt to extract additional funds through a fake shipping company I provided Chase Bank with extensive documentation , including screenshots of : The original agreement showing {$1300.00} shipped The fraudulent request for a {$700.00} insurance fee My refusal to pay and repeated requests for a refund Lack of shipment and lack of response from the seller Despite this evidence, Chase determined that this was not fraud. I am requesting that Chase : Reopen and properly investigate this claim as fraud and non-delivery of goods Reverse the {$1300.00} charge Provide a detailed explanation of how this situation does not meet fraud criteria If this issue is not resolved, I will pursue further escalation as this is a clear example of a common online purchase scam involving fake logistics companies and post-payment fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC.
State: WI

Complaint narrative:
debt collector hallstead collection called about XXXX debt paid settlement of XXXX a month ago confirmation # XXXX never report to credit agencys and not the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Revolut Technologies Inc.
State: CA

Complaint narrative:
With Revolut, I attempted to open a financial account and completed the required identity verification process, including providing my full Social Security Number, passport image, and a biometric facial scan. After submission, my application was denied. I was not provided access to an account or a functional customer support channel to manage my data. When I attempt to access support, the system requires additional biometric verification, which I do not consent to provide. As a result, I am effectively locked out of any ability to access, manage, or delete the personal and biometric data I previously submitted. I submitted a formal written request to the company asking for deletion of all personal and biometric data associated with my application. The company acknowledged receipt of my request but has not provided deletion confirmation or substantive resolution. At this time : My sensitive personal and biometric data ( including SSN, passport image, and facial scan ) is retained I have no accessible method to verify, access, or delete this data through normal account or support channels The only response received has been a generic acknowledgment without resolution I am requesting that the company be required to : Delete all personal and biometric data associated with my application Provide written confirmation of deletion Disclose any third parties with whom my data has been shared Provide the legal basis for retention of any data they claim can not be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
Debt was paid and I was send to collections for {$29.00}. Never have I been late on my payments. This payment was just a few days late not even weeks and it was unnecessarily sent to collections. This is so upsetting for {$29.00}!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Speed1, Inc
State: IL

Complaint narrative:
While I was an inpatient and bedridden at XXXX XXXX XXXX from XX/XX/2026 through XX/XX/2026 for syncope and collapse, unauthorized charges totaling {$11000.00} were made on my XXXX XXXX XXXX credit card through the Speed Wallet app without my knowledge or consent. Many of the charges occurred while I was hospitalized ( including XX/XX/XXXX, XX/XX/1415, and XX/XX/2026 ) and several were international charges from XXXX. I filed timely disputes on XX/XX/2026 ( Dispute IDs : XXXX for {$2600.00} and XXXX for {$8800.00} ). Current initially denied both disputes claiming the transactions were authorized by me. On XX/XX/2026 I provided Current with the exact additional evidence they requested in writing : my full official Discharge Summary ( admitted XX/XX/2026 discharged XX/XX/2026 ). This is the complete hospitalization release paperwork showing I was physically unable to access my phone or authorize any transactions. Current denied my appeal the same day, first claiming the records were already provided on XX/XX/XXXX, then sending a final denial stating they had reviewed everything with utmost care. They have refused to reopen the appeal or reverse the charges despite the clear proof of incapacity. I have attached the full Discharge Summary, all denial letters, and the complete email thread with Current.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Reliant Capital Solutions, LLC
State: GA

Complaint narrative:
At XXXX XXXX, Reliant Capital Solutions messaged me saying " XXXX, Reliant Capital Solutions, a debt collector, has business of yours. For additional details and payment info visit '' then gave me a link to their website and their phone number XXXX. My name is not XXXX, nor am i a woman and i am not in debt. I have already called them and when i mentioned that i am a man and not named XXXX they hurriedly said " we can remove it '' i have already checked out their website and before you even see it they have many complaints about poor business tactics and harassment. It seems they send out auto messages to as many people as they can, praying that some poor soul will freak out and pay them. i just don't want someone getting financially hurt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
Sent a money transfer from a US based account into my own XXXX based account via debit card and was told the transfer was instant 0-4 hours duration. This was completed on XX/XX/year>, today XX/XX/XXXX transfer is still ongoing citing receiving bank has not " accepted '' transfer. This should not happened as funds were withdrawn from my account instantly and deposit as they claimed should be in 0-4 hours. I think this institution is misrepresenting themselves or they have financial issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-10 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: TX

Complaint narrative:
I do not recognize these debts or have any information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
COMPLAINT SUMMARY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing this formal complaint against Resurgent Capital Services regarding account # XXXX for persistent inaccuracies in debt reporting and violations of state and federal debt collection laws. 1. Violation of Texas Finance Code 392.202 ( Statutory Timeline ) I formally disputed this account in XX/XX/year>. On XX/XX/year>, XXXX sent a written admission stating they were " unable to validate '' the debt at that time ( see Attachment 1 ). Under Texas law, a debt collector has a 30-day statutory window to verify the debt or delete the item. Resurgent failed to meet this deadline, providing an " Account Summary '' nearly 60 days later, well outside the legal timeframe. 2. Gross Mathematical Discrepancies & Inaccurate Amount Resurgent is currently reporting a balance of {$480.00} to the credit bureaus. However, the internal documentation they provided to " validate '' this amount is mathematically inconsistent and fails to reconcile : Source Document A : Shows a total due of {$460.00} ( Attachment 2 ). Source Document B : Shows a total due of {$320.00} ( Attachment 3 ). Agent Communications : A third amount of {$50.00} was previously cited. Reporting and attempting to collect four different amounts for the same alleged debt is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and Texas Finance Code 392.304 ( 8 ) regarding the misrepresentation of the character, extent, or amount of a consumer debt. 3. Documented Financial Harm This inaccurate reporting by Resurgent is currently preventing me from refinancing my vehicle, causing direct and ongoing financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-10 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: TX

Complaint narrative:
On XX/XX/year>, I mailed a formal debt validation request via certified mail to LVNV Funding LLC XXXX Resurgent Capital Services. This correspondence was delivered on XX/XX/year>, at XXXX XXXX, as confirmed by XXXX tracking. The accounts in question are as follows : Account # XXXX Account # XXXX Account # XXXX As of the date of this complaint, more than 30 days have passed since delivery of my request, and I have not received proper validation of these alleged debts. Specifically, I requested documentation including, but not limited to, verification of the original creditor, a copy of the original contract or agreement bearing my signature, and a complete accounting of the debt. Despite this, LVNV Funding LLC XXXX Resurgent Capital Services has failed to provide sufficient validation. If they have continued reporting or verifying this account with the credit bureaus without providing validation directly to me, this constitutes a violation of my rights under the FDCPA. Instead of providing documentation, the company continues to send collection attempts. ( emails which I have included )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX, TX XXXX XX/XX/year> LVNV Funding LLC Subject : Formal Dispute and Request for Validation Under the FDCPA and FCRA To Whom It May Concern : I am writing regarding the above-referenced account allegedly associated with LVNV Funding LLC and originally attributed to XXXX XXXX XXXX XXXX XXXX Bank XXXX Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), including 15 U.S.C. 1692g and 15 U.S.C. 1692c ( c ), as well as the Fair Credit Reporting Act ( FCRA ), I formally dispute the validity, accuracy, and completeness of this alleged debt and request full validation. Account Information : LVNV Funding LLC Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX I request that you provide the following : 1. A complete accounting of the alleged debt, including : o the original balance, o all fees, interest, and charges added, o and the current amount claimed due. 2. Copies of any original agreement, contract, or application bearing my signature demonstrating that I agreed to assume this obligation. 3. Documentation establishing that LVNV Funding LLC has legal standing and authority to collect on this account, including proof of assignment or transfer from the original creditor. 4. Verification that the information being reported to any consumer reporting agency is complete, accurate, and legally verifiable. If you can not provide competent evidence validating this account, you must : ce ase all collection activity, cease reporting this account to any consumer reporting agency, and request deletion of any related tradelines from my credit reports immediately. Additionally, pursuant to 15 U.S.C. 1692c ( c ), you are hereby notified to cease further communication with me regarding this alleged debt except : to provide the requested validation, to notify me that collection efforts are being terminated, or as otherwise permitted by law. Please note that reporting inaccurate, incomplete, or unverifiable information to consumer reporting agencies may constitute violations of the FCRA and FDCPA. I request that all future correspondence be made in writing. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RSI Enterprises, Inc.
State: AZ

Complaint narrative:
I was told on the phone with RSI Enterprises that if I paid the account balance ( {$170.00} ), this information would be given to XXXX XXXX who would close the account and it would appear as " paid '' on the account on my credit. They lied. They took a portion of the balance, reported the balance as only partially paid to XXXX XXXX in the amount of {$130.00} with a balance of {$34.00}, leaving my credit still affected. They now want me to pay even more money to get it " fixed ''. They say I underpaid my balance because I " did not pay the {$42.00} in collection fees, '' which I was never informed about to being with. They now claim that it's " too late to pay those fees, because they have grown, we would need much more to settle the account. ". The debt collector is RSI Enterprises collecting for XXXX XXXX. They lied to me, and all I have is the receipt exactly equivalent to the owed account balance to back me. I should have gotten everything in writing/email, which I am doing moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I contacted Santander to request a review of my auto loan because my XXXX XXXX requires accessible transportation, and our current vehicle can not be safely modified for her medical and mobility needs. During my call, I was transferred to the care department. I asked where I should send my physicians signed medical necessity letter and whether there was an accommodation team, hardship department, or someone who reviews XXXX transportation issues. The representative told me they have nothing like that, and there is no department for XXXX accommodations or medical hardship related to vehicle accessibility. I was told my only options were to voluntarily surrender the vehicle or trade it in and absorb the negative equity, credit damage, and additional down payment required for another loan. This creates a serious hardship because I am paying over {$700.00} per month for a vehicle that is not medically suitable for safely transporting my XXXX XXXX. My childs condition has become more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I provided a physicians signed medical necessity letter and requested meaningful review, but I was not offered any reasonable resolution beyond a financial penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
I am filing this complaint against Select Portfolio Servicing ( SPS ) for a violation of Regulation X, 12 C.F.R. 1024.41. SPS set a deadline of XX/XX/year>, for me to submit supporting documents for a loan modification. My representative, XXXX XXXX with XXXX XXXX XXXX XXXX, successfully faxed the complete 17-page application and all required documents to SPS at XXXX on XX/XX/year> ( one day before the deadline ). I have the fax confirmation log proving this successful transmission. Despite this timely submission, SPS sent me a denial letter claiming they did not receive the documents in time. They have now scheduled a foreclosure sale for XX/XX/year>. This is a clear case of " XXXX XXXX '' and a failure of reasonable diligence. SPS is moving forward with a foreclosure sale based on an erroneous claim of an incomplete application, in direct violation of federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CO

Complaint narrative:
This company has been sending me collection notices for an amount I never owed, was never due, is not reported to any credit bureaus and i am just sick of it. They " offered to settle it '' i noticed in my spam email folder ; XXXX and XXXX are complicit in deleting the emails while i was downloading them and I have a screen recording to prove this. I have the " debt request '' printed out in paper. There's no disputing the criminal behavior of this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
Add more charges, as well as add more interest and not going to the principal.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-13 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
Theres an open loan in the amount of {$3200.00} that I did not open or authorize open XX/XX/year> XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sezzle Inc.
State: FL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I contacted the XXXX and the company responded with a detailed history showing the bi-weekly payment is not being applied until the second payment is received. According to a mortgage associate with a different company this is illegal since approximately 2017. The bi-weekly payment is to be applied immediately and not held in escrow. I can not seem to receive any resolution to this complaint.

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