vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XXXX XXXX Date : XX/XX/year> Subject : Formal Complaint Violation of the FTC Holder Rule by Service Finance Company , LLC To Whom It May Concern, I am writing to file a formal complaint against Service Finance Company , LLC for failure to honor my rights under the FTC Holder Rule ( 16 C.F.R. 433.2 ). I entered into a consumer credit contract financed through Service Finance Company , LLC for the purchase of goods/services from American Impact Windows and Doors. The seller subsequently engaged in a breach of contract and left the work incomplete before filing for bankruptcy. Service Finance Company , LLC is legally subject to all claims and defenses that I could assert against the original seller. On XX/XX/year>, I formally notified Service Finance Company , LLC of these claims and requested that they investigate the dispute. They did not respond to my request until XX/XX/year> with a statement that they were unable to review the dispute and would continue to collect on our debt. I then sent an email asking them to stop collection efforts and refund the payments that have been made. To date, Service Finance Company , LLC has failed to properly resolve this matter and remains in violation of the FTC Holder In Due Course Rule by continuing to enforce a debt that is subject to a valid defense. I request that the FTC investigate Service Finance Company , LLC 's non-compliance with federal consumer protection laws. Thank you for your time and assistance with 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 2026-06-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My father wrote me a check from his personal XXXX XXXX account which I went to my bank, Wells Fargo at the branch store and deposited with a banker in person on Monday XXXX. I have a receipt stating that a small portion of the funds deposited into my savings account would be available next business day, XXXX and then the remainder of the check amount today, XX/XX/XXXX. The night of the XXXX I received a notification that my funds were being held until XX/XX/XXXX, at the same time the funds were immediately taken out of my Fathers account. It has been XXXX hours since the funds have been taken out of his account, and I have not received a single dollar since Monday. XXXX XXXX was able to verify funds however, Wells Fargo requests a letter be sent with verification and I was told that XXXX does not do this, to have Wells Fargo call him and he can confirm. However, Wells Fargo does not do phone calls so no one is communicating on this issue. I have filed several complaints with Wells Fargo already and am being told that there is nothing that they can do. I can't even dispute the charge becasue the funds were already taken out of my Fathers 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 explanation
Consumer complaint received 2026-06-11 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: CA

Complaint narrative:
i purchased ( 2 ) hotdogs from a street vendor in XXXX XXXX XXXXXXXX over a year ago using my Apple card via apple pay tap processing. I noticed the tap processed for XXXX though the ( XXXX ) hot dogs cost XXXX each for a total of XXXX. When the vendor would not make corrections in person I contacted Apple card. I was told the charge would be disputed and that because of the small amount there would be vindication either through the merchant or a courtesy by the card company. Having been told this and the fact I did eat the hotdogs, I did agree to pay XXXX of the disputed XXXX. Leaving a disputed balance of XXXX. I closed the account on XX/XX/25 which generated an email detailing the account had a XXXX balance due. As of XXXX of this year I am receiving collection calls from Goldman Sachs and my credit reports are being impacted negatively. I paid the account in full each month. My credit scores were impacted by over XXXX points negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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:
- Sent debt validation request via certified mail dated XXXX - Requested proof of ownership -requested verification there is valid basis for claiming I owe the current amount trying to be collected -requested Details about the age/amount of the debt including copy of last billing stmt from original creditor -requested Detailed explanation of any interest added and the legal authorization for the interest -requested the date original creditor claims debt became delinquent Received an account summary from Resurgent on behalf of LVNV ( states this is owner of acct ) with none of the information requested above except for an amt of debt and date of debt which hasn't been validated. There is not enough information on this summary to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
On XX/XX/2026, I formally notified M & T Bank ( Account # XXXX ) that XXXX XXXX XXXX ( Dealer License # XXXX ) fraudulently submitted a {$78000.00} auto loan contract without my authorization and on false premises. I provided M & T Bank with actual, documented notice of the following facts : XXXX. Revoked Acceptance : I legally surrendered the vehicle back to XXXX XXXX XXXX last week due to a major defect and formally revoked acceptance. The vehicle is physically sitting on their lot. XXXX. Unfunded/Void Contract : The {$10000.00} down payment required to legally fund this loan does not exist. {$5000.00} is under an active fraud chargeback with my financial institution ( XXXX XXXX Claim # XXXX ), and the dealer is illegally withholding the remaining {$5000.00} in physical cash. This contract is mathematically unfundable. XXXX. Active State Investigation : The Florida Department of Highway Safety and Motor Vehicles ( FLHSMV ) has an active fraud investigation open against XXXX XXXX XXXX for this exact transaction. Despite this explicit warning, M & T Bank representatives across XXXX different departments ( Customer Service, Tier 2, Asset Management, Fraud, and Loan Origination ) refused to investigate, refused to halt the funding wire, explicitly instructed me to 'make the first payment ' on a fraudulent loan, and ultimately told me to 'seek legal advice. ' M & T Bank is now a knowing and willing participant in this unauthorized transaction.

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 2026-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
You might want read. Before filing this complaint, I also filed complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), Attorney General 's Office, and XXXX XXXX XXXX regarding this matter. Spring Oaks Capital continues to claim this account was verified and validated. However, the reporting is inconsistent and raises serious questions regarding accuracy. The same alleged debt is being reported with the same balance of {$2700.00} and account number ending in XXXX, yet it appears under multiple reporting descriptions. XXXX reports SPRINGOAKS as a collection account with a payment status of " Late 120 Days. '' XXXX and XXXX report SPRINGOAKCAP ( XXXX XXXX : XXXX ) as a collection account with a payment status of " Collection/Charge-Off. '' XXXX reports SPRINGOAKS and SPRINGOAKCAP separately even though both reflect the same account number, same balance, and same underlying debt. XXXX reports the account opened on XX/XX/year>. XXXX reports the account opened on XX/XX/year>. XXXX reports a different Date Last Active than XXXX. If this account was verified, explain how the same debt can be reported with conflicting account characteristics across the credit bureaus. I am also disputing that I never received an initial written notice for either reporting status. I never received an initial collection notice from Spring Oaks Capital, and I never received documentation explaining why the account is being reported as both a collection account and Collection/Charge-Off. If Spring Oaks Capital claims this debt was validated, I am requesting the records used to validate it, including the documents reviewed and the basis for reporting the account in multiple ways.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: MRS BPO, LLC
State: GA

Complaint narrative:
This dedt was charged off back in 2020 by XXXX XXXXXXXX. I have no agreement with this collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 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: NY

Complaint narrative:
XX/XX/XXXX, I called Nordstrom XXXX card at XXXX to request the overpayment of {$97.00} in a form of a check to my home address on file. However, I never received the check. XX/XX/XXXX, I called to inquire the status of the overpayment check. Was informed an investigation would be initiated. XX/XX/XXXX, I called again to inquire the status of the check. Was told it would take XXXX month to find out if the check was cashed. I filed a complaint. The supervisor said someone would get back to me within XXXX business days. XX/XX/XXXX, I called again since nobody called me back. Still no news of my overpayment check. I need help to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC
State: AR

Complaint narrative:
I disputed a collection account appearing on my XXXX credit report. XXXX responded that the account was verified and continued reporting it. I requested information supporting the verification and whether a reasonable reinvestigation occurred. I request : * The method of verification used; * The date the furnisher responded ; * The records reviewed ; * Whether the investigation was automated or manual; * Copies or description of documents supporting ownership, balance, dates, and account status. If verification was completed without a reasonable reinvestigation or without reviewing information submitted in my dispute, this may implicate : Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ) reasonable reinvestigation of disputed information Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ) reasonable procedures to assure maximum possible accuracy Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ) furnisher investigation duties after receiving notice of dispute Delete the collection account XXXX. According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a formal complaint against Cash App ( Block, Inc. ) for a persistent clerical and mathematical error regarding a card dispute that their management team refuses to manually correct. On XX/XX/year>, I made a valid transaction for {$110.00} at XXXX XXXX # XXXX using my Cash App XXXX card ( ending in XXXX ). On XX/XX/XXXX, I physically returned XXXX unused items from that purchase to the original merchant. Due to a point-of-sale terminal error on the merchant 's end, the register could not look up the transaction history and process a standard debit card refund. Instead, they forced a restricted store credit card on me for exactly {$72.00}. The XXXXXXXX XXXX credit remains entirely untouched at an exact verified balance of {$72.00}. I filed a partial dispute for the {$72.00} return amount. Cash App 's automated systems and Support Manager ( XXXX ) repeatedly denied my claim because they are blindly reviewing the full original total of {$110.00}, which was a valid charge, instead of evaluating the requested {$72.00} partial return error. Cash App 's chat team openly acknowledged the merchant 's technical error but corporate support has refused a manual override. I am requesting a manual adjustment credit of {$72.00} to my account balance to resolve this processing error, and the unspent store credit card can be deactivated

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The company is Portfolio Recovery They keep calling from various numbers, at all hours. They ask about a person who no one in our family recognizes or even knows who it is. They just start rambling about a person with this number, and as much i keep telling them repeatedly that we do not know who it is. It just keeps on going nonstop.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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:
- Sent debt validation request via certified mail dated XXXX - Requested proof of ownership -requested verification there is valid basis for claiming I owe the current amount trying to be collected -requested Details about the age/amount of the debt including copy of last billing stmt from original creditor -requested Detailed explanation of any interest added and the legal authorization for the interest -requested the date original creditor claims debt became delinquent Received an account summary from Resurgent on behalf of LVNV ( states this is owner of acct ) with none of the information requested above except for an amt of debt and date of debt which hasn't been validated. There is not enough information on this summary to validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
This serves to amend my complaint # XXXX dated XX/XX/year>. Rather than receiving an email with the XXXX party verification website information that the AMEX XXXX in the security dept said he would be sending yesterday, I instead receive an email from AMEX stating I need to physically go to a bank and verify my identity. This entire situation is beyond the pale and I am no longer willing to do business with AMEX, period. I am attaching the AMEX offer from the XXXX website. I want my XXXX tickets I purchased through the XXXXAMEX offer XXXX and refunded. I will agree to pay for the one and only other charge that AMEX has let me make since they approved the card XXXX weeks ago and then want the card cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am filing this complaint regarding the repeated, unexplained freezing and subsequent deactivation of my XXXX account : Email : XXXX Phone # : XXXX This is the second time in approximately 30 days that XXXX has frozen my funds., my account was frozen XX/XX/year> - XXXX with over {$4000.00} of my personal and business capital. Despite my attempts to resolve this and being late on rent, bills, and unable to purchase necessities like food and water, no explanation was provided for the hold. Following this I was informed of a second freeze and that my account is being permanently closed as of XX/XX/year>. XXXX has failed to provide a specific reason for this action as well despite my repeated requests. I have no history of disputes, no chargebacks, and no unresolved issues with any of my customers. My transactions are 100 % legal and legitimate. XXXX is currently withholding over {$3800.00} of my funds, citing a XXXX hold period, without providing any justification or evidence of a policy violation. This sudden and repetitive seizure of my capital is causing severe financial distress and is preventing me from meeting my business and personal obligations. I have requested information regarding the reason for this closure and a path for an immediate withdrawal of my funds, but I have been told only that they " can not disclose '' the reason. I am requesting an immediate human review of this account and the release of my funds. l am prepared to provide any documentation necessary to verify the legitimacy of my transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/year>, I discovered XXXX unauthorized transactions on my Wells Fargo debit card totaling approximately {$8000.00}. I did not make or authorize these transactions.I reported them to Wells Fargo and filed a claim the same day, XX/XX/year> ( Claim # XXXX ). I also filed an FTC report ( Report XXXX. XXXX ) XXXX XX/XX/year>, I called Wells Fargo and was told my claim was denied. When I asked why, the representative said they could not provide a reason. The only explanation given was that an automated system did not detect fraud. No details about the investigation or the basis for the denial were provided.Under Regulation E ( 12 CFR 1005.11 ), Wells Fargo must conduct a reasonable investigation and provide a written explanation of its findings, plus copies of documents relied upon if requested. I have received no written explanation, and the denial of XXXX separate transactions appears to be based solely on an automated fraud-screening result rather than any individualized review. I requested the investigation documents and have not received them.I request that Wells Fargo : ( 1 ) reopen and properly investigate my claim, ( 2 ) provide the written denial explanation and all documents relied upon, and ( 3 ) reimburse the unauthorized transactions as required under Regulation E.

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 2026-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CO

Complaint narrative:
I received a debt collection notice dated XX/XX/year> from Credence Resource Management , LLC attempting to collect {$270.00} on behalf of XXXX XXXX. The account number referenced in the notice does not belong to me, and I have no record of any balance owed to XXXX XXXX. I contacted XXXX directly and confirmed no debt under my name was referred to any third-party collection agency. This is the second separate collections company to contact me regarding an alleged XXXX debt. A prior dispute was filed with XXXX XXXX XXXX XXXX XXXX regarding the same alleged original creditor. On XX/XX/year>, I submitted a formal written dispute to Credence Resource Management via email at XXXX disputing the debt in full, requesting debt verification, and requesting the name and address of the original creditor per my rights under the FDCPA. To date, Credence Resource Management has provided no verification that this debt belongs to me. I am requesting that the CFPB investigate this matter and that this account be removed from my credit report if verification can not be provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I am filing a formal complaint against [ Credence Resource Management XXXX XXXX XXXX XXXX ] for intentional and illegal credit re-aging in direct violation of the Fair Credit Reporting Act ( FCRA ). The original debt is for a [ XXXX XXXX XXXX XXXX XXXX ] account that went into permanent delinquency in XXXX when I moved out of my home. Under federal law, this debt hit its XXXX reporting limit and became entirely obsolete by XXXX. This collection agency purchased or took over the debt in XXXX and has intentionally falsified the 'Opened Date ' to XXXX on my credit file. Furthermore, they have inaccurately listed themselves as the 'Original Creditor. ' This is a blatant attempt to trick the credit bureau 's automated system into keeping an obsolete, expired debt on my report for an extra XXXX years ( until XXXX ). I disputed this previously and the collector falsely verified the rigged data. I demand that this obsolete trade line be completely and permanently deleted from my credit file immediately I filed a dispute several times. The one from XX/XX/XXXX had some results. However they are still listed on my report.

Company response to consumer: Closed with non-monetary relief