vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date : XXXX XXXX To : Re : Request for Debt Validation To Whom It May Concern, This letter is being sent in response to your claim regarding the above-referenced account. Pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, I am formally requesting validation of this alleged debt. I dispute this account in its entirety and request that you provide competent evidence that I have any legal obligation to pay this alleged debt. Please provide the following documentation : XXXX. Proof of the original contract bearing my signature showing that I agreed to assume liability for this alleged debt with the original creditor. XXXX. A complete payment history, including a detailed accounting of all charges, payments, credits, interest, and fees applied to the account from the date of origination. XXXX. Documentation showing whether any insurance claim, credit protection policy, or third-party reimbursement has been applied to this account that would have satisfied or reduced the balance. XXXX. Proof of your legal authority to collect, including the complete chain of title for this account from the original creditor to your company. This must include copies of the purchase agreements, assignment records, or bills of sale that clearly identify this specific account as having been transferred to you. XXXX. The name and address of the original creditor, along with the original account number. XXXX. Proof that the amount you claim is owed is accurate, including a breakdown of the principal balance and any added interest, penalties, or collection fees. Please note that generic billing statements, summaries, or copies of statements from the original creditor do not constitute proper validation of this alleged debt. Statements alone do not establish that your company has the legal authority to collect, nor do they demonstrate that I entered into any contractual obligation with your organization. What I am requesting is documentation that verifies your companys legal standing and legitimacy to collect on this account, including clear evidence of the transfer or assignment of this specific debt and proof that the alleged obligation is valid and enforceable against me. UNTIL YOU PROVIDE THE REQUESTED DOCUMENTATION, THIS ACCOUNT REMAINS DISPUTED. UNDER FEDERAL LAW, YOU MUST CEASE AND DESIST ALL COLLECTION ACTIVITY AND REPORTING OF THIS ACCOUNT TO ANY CREDIT REPORTING AGENCIES UNTIL PROPER VALIDATION HAS BEEN PROVIDED. If you can not provide the requested validation, you must immediately cease collection efforts and remove any references to this account from my credit reports. All future communications regarding this matter must be in writing only. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
My TD Bank credit card was due to be reissued in XXXX. XXXX using the card and didnt realize it was expired. I contacted TD and tried having the card sent through the mobile banking app. I received an error and had to call customer service on XX/XX/XXXX. The rep couldnt reissue the card. I have contacted TD multiple times through the app. I was told that a new card would be reissued and sent to my address on file. After going back and forth with no resolution, I spoke to someone in the credit card company. I was finally told that my card could not be reissued due to being a credit risk. Ive had this credit card since XXXX and there is nothing that TD can do. I do not have a card holder agreement and I was NEVER notified that my card could not be reissued. According to TD, the card was for review in XX/XX/XXXX and that decision was made. But I was still able to use the card up until it expired. I have many other credit cards, a XXXX XXXX credit card that has been opened since XXXX and XXXX XXXX hasnt closed that card. Im not sure how I am a credit risk when Ive always made my payments on time. The card was then removed from my online banking profile when I had an automatic payment that was supposed to go through on XX/XX/XXXX. Due to the card being removed, the payment did not go through and now I am being charged a late fee. TD Bank should be able to notify their card holders when they decide to not reissue cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: CA

Complaint narrative:
I am a XXXX resident. I took out a loan with Uprova XXXX for {$1000.00}. To date, I have made XXXX payments of {$260.00}, totaling {$1300.00}. I have already repaid the entire principal plus {$320.00} in additional fees/interest. Despite having repaid XXXX XXXX of the principal, the lender is demanding more money based on a XXXX XXXX APR. Uprova is NOT licensed to lend in the state of California by the XXXX. Under California law, an unlicensed loan with unconscionable interest rates ( 600 % ) is void and unenforceable. I have formally revoked my ACH authorization and notified the lender that the principal is repaid. I am filing this complaint to ensure the lender : XXXX. Ceases all collection attempts. XXXX. Closes the account as 'Paid in Full. ' XXXX. Does not report any negative information to my credit reports. I have attached my loan agreement and payment history as evidence of these predatory terms and my successful repayment of the principal. ''

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 2026-03-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I am submitting this formal complaint regarding a debt collection account that is currently being reported on my credit file and has not been properly validated despite my request. I previously requested validation of this alleged debt pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. The collection agency has failed to provide adequate documentation verifying the existence of the debt, the amount owed, or their legal authority to collect it. Despite this failure to validate the debt, the account continues to be reported to the credit reporting agencies. Reporting information that can not be verified is a violation of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2, which requires furnishers of information to provide accurate and verifiable information. Additionally, continuing collection activity without proper validation may constitute a violation of the Fair Debt Collection Practices Act. Because the company has failed to provide competent evidence supporting this alleged debt, I request the following : 1. Immediate investigation of this matter. 2. Removal of this account from all credit reporting agencies. 3. Written confirmation that the collection account has been deleted. If the company believes this debt is valid, they must provide complete documentation including the original contract, full payment history, and proof of legal assignment of the debt. I appreciate your assistance in ensuring compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Multiple transactions- {$5000.00} Reference # XXXX From XX/XX/2026 to XX/XX/2026 my debit card was used to make. multiple transactions on an online merchant according to Chase called XXXX. I never heard of this merchant before or made an account with this merchant previously. After searching up information on the merchant the merchant seems to be an unregulated exchange with the CFTC. I reported the fraud to chase XX/XX/2026 and on XX/XX/2026 I got a notification in my Chase app saying no fraud was found although they did not state there investigation findings. I went to the merchants website and messaged there support who told me they have no record of these transactions or my name, email, or phone number, this is very scammy, I believe chase is either working with this " merchant '' to steal money or my identity was stolen. I have been dealing with a data leak of all my personal information through vector security I don't know if this has anything to do with this but I am also attaching to this form an identity theft report I am giving CFCB the right to publish this publicly unless chases fixes the issue then I will update the report accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
Summary of Issue I am filing this complaint because the banks transaction records for a withdrawal I made are inconsistent and were altered after the fact. The withdrawal occurred on XX/XX/year>, but it did not post until XX/XX/year>, and the transaction description changed during that time. It initially appeared in my online banking history as a cashiers check, and later the description changed to cash. I have attached screenshots showing both versions. The bank has not provided any explanation, documentation, or audit trail for this change. Details of the Incident On XX/XX/year>, I made a withdrawal at a branch. The teller did not follow standard procedures for a large cash withdrawal. I was not asked any required questions, no safer alternatives were offered, and the teller made inappropriate comments. Another teller also behaved unusually during the transaction. Immediately afterward, my online banking showed the withdrawal labeled as a cashiers check, which is not what I requested and not what I received. When the transaction finally posted on XX/XX/year>, the description had changed to cash. I have screenshots documenting both the original cashiers check label and the later cash label. Why This Is a Concern A withdrawal changing categories from cashiers check to cash is not normal customerfacing behavior. This typically indicates : teller error teller bypassing required controls backoffice correction or a system override All of these require documentation and an XXXX XXXX. The bank has not provided any. Accurate transaction records are required under banking regulations. When a banks system shows contradictory information, it raises concerns about whether proper procedures were followed and whether the banks records can be relied upon. Banks Response The bank has not provided a clear explanation for why the transaction was initially coded as a cashiers check or why the description changed later. They have not provided : teller logs correction logs internal notes or any documentation explaining the discrepancy Instead, I have received inconsistent explanations that do not match the evidence.

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 2026-03-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Servicer under contract with Federal Student Aid
State: CO

Complaint narrative:
I am submitting this complaint regarding inaccurate and misleading credit reporting associated with multiple XXXX Loan accounts furnished by the U.S. Department of Education ( Account Numbers : XXXX and others ). I attended college between XXXX and XXXX, during which time these XXXX loans originated. However, the accounts currently appearing on my credit report reflect the following information : Date Opened : XX/XX/XXXX Account Status : Closed On-time Payments : XXXX XX/XX/XXXX Collections Reporting : XXXX XX/XX/XXXX Balances : {$130.00}, {$340.00}, {$410.00}, and {$890.00} This reporting is materially misleading and suggests that these long-standing loans have been improperly re-aged. Reporting loans originating between XXXX and XXXX as newly opened in XXXX creates the appearance of a new credit obligation and may unlawfully extend the reporting period beyond what is permitted under the Fair Credit Reporting Act ( 15 U.S.C. 1681c ( a ) ). Additionally, the reporting of new payment activity and delinquency cycles in XXXX appears inconsistent with the true age of the loans and may violate the obligation to report information with the maximum possible accuracy under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ). Under 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ), furnishers must conduct a reasonable investigation and correct or delete information that can not be verified as accurate and complete. There are also additional compliance concerns unique to federal student loans, including XXXX loans. First, federal regulations governing loan rehabilitation and credit reporting require that once a defaulted federal student loan is rehabilitated, the prior default status must be removed from the consumers credit history rather than replaced with new delinquency cycles. If any rehabilitation or servicing transfer occurred, reporting the accounts with a new XXXX delinquency timeline may violate federal servicing and reporting requirements. Second, federal student loans, including XXXX loans, are frequently transferred between institutional lenders and federal servicers. Under the Fair Credit Reporting Act, a servicing transfer does not create a new account or allow a furnisher to report a new date opened. Reporting a XXXX open date for loans originating more than a decade earlier may constitute improper re-aging and materially misleading reporting. Additionally, if any portion of these debts has been cancelled, discharged, or written off, I have never received a Form 1099-C as required under the Internal Revenue Code ( 26 U.S.C. 6050P ) when a creditor cancels a debt of {$600.00} or more. The absence of such documentation raises additional concerns regarding how these accounts have been reported and accounted for.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: PR

Complaint narrative:
Subject/Issue : Violation of 15 U.S.C. 1692e ( 8 ) - Failure to communicate that a disputed debt is disputed. In XX/XX/year>, I discovered a collection tradeline on my Experian credit report for an alleged debt of {$340.00}. The debt collector reporting this was Sunrise Credit Services ]. That same day, I formally disputed this alleged debt via Experian 's dispute process, requesting competent evidentiary validation. Upon receiving notification of my dispute via the e-OSCAR system ( establishing actual knowledge of the dispute ), XXXX opted to delete the tradeline from my credit report rather than provide the requested validation. However, instead of closing the unverified file, XXXX subsequently sold, assigned, or transferred this alleged {$340.00} account to another third-party debt collector, XXXX XXXX XXXX executed this transfer without communicating to the buyer/assignee that the debt was in an active state of dispute. I became aware of this when XXXX XXXX contacted me recently to collect on this ostensibly " valid '' debt, with no acknowledgment of my prior dispute. Under the Fair Debt Collection Practices Act, 15 U.S.C. 1692e ( 8 ), a debt collector is strictly prohibited from communicating credit information which is known or which should be known to be false, " including the failure to communicate that a disputed debt is disputed. '' By transferring a file to XXXX XXXX without the legally required dispute flag to avoid compliance, XXXX engaged in a false and misleading representation of the account 's legal status.

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 2026-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: DC

Complaint narrative:
I am filing this complaint against Cash App ( Block , Inc. ) for wrongfully denying my fraud dispute and blocking all avenues of appeal. Transaction Details : Amount : {$100.00} Merchant : XXXX XXXX ( Seller : XXXX ) XXXX Tracking ID : XXXX What Happened : I purchased an item through XXXX XXXX. The order was marked " Delivered '' on XX/XX/year>, but I never received the package. XXXX XXXX tracking records confirm that only a shipping label was created on XX/XX/year> XXXX never physically received the package from the seller. The item was never shipped. This is provable, documented seller fraud. Cash App 's Response : Cash App denied my dispute, claiming their original decision was correct. When I attempted to appeal through the app, I was told " This can't be appealed you can only appeal a dispute once. '' When I attempted to contact them by email, I received an automated reply stating the email is unmonitored. When I called, I was told I can not submit anything further. Cash App has denied my dispute, blocked my appeal, blocked email contact, and refused to accept further evidence leaving me with no recourse despite clear proof of fraud. I am requesting that the CFPB require Cash App to reopen and properly review this dispute, and issue a full refund of {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CARS Acquisition, LLC
State: TX

Complaint narrative:
I was told an XXXX charge was on my account because i used account and routing number for automatic payments which had the funds to cover a XXXX dollar payment on the XXXX of XXXX and a XXXX dollar payment on the XXXX of XXXX. Funds were in the account i have documents that shows the amount i was told payment declined and ill be charged a fee due to that of XXXX dollars. Im disputing the charges because i have proof that i had the funds in the account and i was only paying my bi weekly fee not any extra fees because i wasnt the the reason it declined ive have several occasions where it was declined several times with any form of pay Now im being prevented from making any payments because the are locking my account preventing such no matter if im paying my full amount or not which in reality can charge extre fees deliberately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
CFPB Complaint Bank Closed My Complaints Prematurely Before I Could Respond or Dispute Their Statements Summary of Issue I am filing this complaint because the bank repeatedly closed my complaints prematurely, before I had the opportunity to respond, dispute their statements, or provide additional information. This pattern prevented me from participating in the dispute process and blocked me from correcting inaccuracies in the banks responses. Closing complaints before the consumer can reply is a procedural failure that interferes with my rights during an active fraud investigation. Details of the Incident Throughout my dispute, I submitted multiple complaints regarding the banks handling of my missing {$17000.00} ATM deposit. In several instances, the bank : closed the complaint before I saw their response closed the complaint while I was actively preparing a reply closed the complaint despite open questions and unresolved issues closed the complaint without allowing me to dispute inaccurate statements closed the complaint even when I requested additional time This pattern occurred repeatedly and made it impossible to correct contradictions, request clarification, or challenge the banks statements. It also prevented me from ensuring that the banks responses were accurate and complete. Why This Is a Concern Prematurely closing complaints creates several procedural and compliance issues : It blocks the consumers ability to dispute inaccuracies. It prevents the consumer from providing additional evidence. It interferes with the consumers right to participate in the investigation. It creates an unfair advantage for the bank, allowing them to close matters without accountability. It undermines the transparency and reliability of the dispute process. Consumers must be given a reasonable opportunity to review and respond to a banks statements. Closing complaints before the consumer can reply is not consistent with fair dispute handling. Banks Response The bank has not explained : why complaints were closed before I could respond why complaints were closed despite unresolved issues why complaints were closed while evidence was still pending why complaints were closed even when I attempted to dispute inaccuracies The bank has also not provided any documentation showing that premature closures comply with their internal procedures.

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 2026-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Credit Corporation
State: VA

Complaint narrative:
I saw one doctor one time at XXXX XXXX XXXXr in XX/XX/year>. I was not happy with the service so I disabled access to my patient portal and never went back. My billing preference in the portal before I disabled it was PAPER BILLING. The incompetent billing department at XXXX just kept sending useless pieces of paper that that said " balance forward '' with NO BILLING DETAILS. There was no information about the date of service, the service itself, how much my insurance paid, how much was left that I owed, etc. I repeatedly asked for the detailed information ( as is my right ) but NEVER got it. I filed a complaint with the BBB and the incompetent provider still DID NOT MAIL A DETAILED BILL TO MY HOME and instead send an email with a link to a code to log into my patient portal. I never got the code of course because I HAD ALREADY DISABLED MY PATIENT PORTAL. I'm starting to think that the charges are INVALID due to the fact that the billing department is so completely incompetent that they can't even MAIL A DETAILED BILL TO MY HOME AS REQUIRED BY LAW WHEN THE PATIENT ASKS FOR IT. If the detailed billing information is in my now defunct patient portal than it should be easy enough for them to print and MAIL TO MY HOME!! In XXXX I received a notice of collections and responded back to the letter explaining that I was disputing the charge due to the negligence of XXXX providing any detailed information that I could confirm or dispute.

Company response to consumer: Closed with explanation