vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 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: PA

Complaint narrative:
An authorized transaction was completed on my account on XX/XX/XXXX. For {$2800.00}. I contacted Cash App immediately about this and they began an investigation that evening, which they said the 1st day was the following day after 10 days. I have not heard back from their for all department or investigation scene, and when I reached out to their customer service team, I was told that they are still investigating today 's the 11th day of that investigation and I have reached out to them. Requesting the provisional credit under regulation e and they are refusing to comply.And everyone is telling me I have to wait to be contacted by someone from the investigations team even though they are outside of their investigation window. I've called in several times in the agent 's refuse to let me speak to anyone on the management team or on the back end, they keep telling me that they will have someone reach out to me from the escalation team, but no one has reached out to me about this transaction yet.I have waited patiently passed 10 day window.I have talked to several different customer service agents.Several of which hung up on me instead of trying to resolve the issue, I have asked for who was in charge of regulation, he compliance for them and they refused to put me in a concept with anyone who can appropriately assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am submitting a complaint regarding inaccurate and unverified debt collection reporting. On XX/XX/year>, I sent a written request for debt validation to the company regarding accounts they are reporting on my credit report. The request was made pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). In my letter, I requested documentation to validate the alleged debt, including the original signed agreement, a complete payment history, and documentation showing the company has legal ownership of the debt. As of today, the company has continued reporting this account to credit reporting agencies without providing the requested validation or proof that the debt is mine. Reporting a disputed and unverified debt may be a violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I am requesting that the company either provide proper validation of the debt or immediately cease reporting the account and remove it from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: IN

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I completely paid off my outstanding balance on a credit card that I had been using and was in good standing for the past XXXX years and as soon as I paid it off, they decreased my credit limit from {$2300.00} to {$250.00} on that account and also decreased the credit limit on the other XXXX balance account I have with them from {$2000.00} to {$250.00}. That was wrong and unfair and I requested them to fix it online and wrote a letter to the XXXX office. I receved a call back stating it was done based on a credit report that indicated my overall credit balances to credit limits were too high and thats why it was decreased and couldnt be increased at this time. I never gave them permission to request a credit report in the first place, and it is very unfair that after XXXX years of them not worrying about my credit scores they would decrease my credit limit further damaging my credit scores after I paid off a balance with interest. Also, none of my other credit cards, with higher credit limits, were changed because of any credit scores or reports. Finally, my credit scores have been consistent over the last XXXX years and they didnt make changes when I had a balance, so their explanation makes no sense and has no merit. It represents horrible Customer Service and care to a loyal customer and I want them to return my credit limits back to what they were.

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 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX deposited a cashiers check issued by XXXX XXXX XXXX for XXXX XXXX into its Chase Platinum Business Checking account on XX/XX/year>. The deposit was accepted and posted to the account by JPMorgan Chase. Shortly afterward, the bank decided to close the account. After the account closure, Chase applied a transaction labeled Debit DDA Check Charge in the amount of USD XXXX and the account balance was reduced to {$0.00}. However, the company did not receive the funds associated with the cashiers check nor any clear explanation regarding where the funds were sent. When we contacted Chase to resolve the issue, we were informed that the bank requires a phone verification from a branch of the issuing bank regarding the cashiers check. However, the issuing bank has confirmed that the check had already been processed and that such branch-level verification calls are not a standard or feasible procedure. As a result, XXXX XXXX XXXX XXXX is unable to access funds that were legitimately deposited and accepted by Chase. We respectfully request that Chase clarify the disposition of the funds associated with the cashiers check and provide a reasonable method to release the funds to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
XX/XX/XXXX, payment submitted to bring account current. Payment not applied and was returned with no valid explanation except we made a mistake all payments from that time forward were on time and loan was paid off XX/XX/XXXX. I requested a credit report from XXXX to ensure proper ratings were submitted, and they were not. XXXX and XXXX of XXXX, still reported delinquency and subsequent months of on time payments were not reported. Requested correction XXXX times and have not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I requested a debt validation request asking for : Original loan contract Full payment history Repossession notice Notice of vehicle sale Auction sale documentation Deficiency balance calculation Instead they just closed my account and only provided partial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: PA

Complaint narrative:
Apple Card Dispute Sworn Statement Cardholder Name : XXXX XXXX Case Number : XXXX Dispute Type : Merchandise Not Received / Fraudulent Merchant I, XXXX XXXX XXXX certify that the following statement is true and accurate to the best of my knowledge. Transaction Summary : A purchase was placed online on XX/XX/year>. Payment was successfully processed. Immediately after submitting payment, the order disappeared. No confirmation screen appeared, and no order number was generated. No confirmation email, receipt, or tracking information was ever received. No merchandise was received. Absence of Documentation : Because the order disappeared immediately after payment, no documentation exists. The lack of documentation is due solely to the merchants failure to provide any proof of purchase. Merchant Response : Information later supplied by the merchant contains details that were never provided to me. The merchant has not proven delivery or receipt of merchandise. Certification : I affirm that I did not receive the merchandise, did not benefit from this transaction, and that this dispute is submitted in good faith. Signature : ________________________________ Printed Name : XXXX XXXX Date : _________

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
SPRING OAKS CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL LL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: TX

Complaint narrative:
I am filing this complaint against IQ Data XXXX regarding their improper collection and reporting of an alleged debt. Company Information : IQ Data XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Information : Account Number : XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Issue : IQ Data XXXX has failed to properly validate the alleged debt after I requested validation. I sent a written request asking them to provide proof of the debt, including documentation showing that I have a legal obligation to pay this account. Despite my request, the company failed to provide adequate validation or supporting documentation. They have also failed to properly respond to my request within a reasonable timeframe. This conduct appears to violate federal consumer protection laws, including : Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g Debt collectors are required to provide validation of a debt upon request. This includes verification of the debt and documentation supporting the collectors claim that the consumer owes the alleged balance. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ) Furnishers of information must investigate disputes and ensure the information they report to consumer reporting agencies is accurate and verifiable. Reporting information without proper verification may constitute inaccurate reporting. My Concerns : IQ Data XXXX failed to provide proper validation of the alleged debt. They have not provided documentation proving the debt is valid or that they have the legal authority to collect it. They have failed to adequately respond to my written request for validation. If they are reporting this account to credit reporting agencies without proper verification, this may constitute inaccurate reporting. Requested Resolution : I respectfully request that the CFPB investigate this matter and require IQ Data XXXX to : Provide proper validation of the alleged debt, including documentation proving the debt is legitimate and that they have the authority to collect it ; OR Cease collection activity and delete any credit reporting related to this account with all credit reporting agencies ; and Ensure that any inaccurate or unverified information is removed from my credit file. I appreciate your assistance in resolving this matter and ensuring that my rights as a consumer are protected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX United States Debt XXXX Name : XXXX XXXX XXXX Collection Agency Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Notice of Dispute and Request for Validation Account Number : XXXX XXXX XXXX XXXX To Whom It May Concern, This letter serves as formal notice that I dispute the validity of the alleged debt referenced above. This request is made pursuant to my rights under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). I am requesting full validation of this alleged debt. Until such validation is provided, you must cease all collection activity on this account as required by federal law. Please provide the following documentation : 1. The name and address of the original creditor. 2. The complete amount of the alleged debt, including a detailed breakdown of principal, interest, fees, and charges. 3. Copies of the original signed contract, agreement, or instrument bearing my signature that proves I have a legal obligation to pay this debt. 4. Documentation showing that your company has the legal authority or assignment to collect this debt. 5. Proof that the alleged debt has not been paid, settled, discharged, or otherwise resolved. 6. Documentation verifying that the statute of limitations for this debt has not expired. If you are unable to provide the requested documentation, you must immediately cease collection efforts and remove any reporting of this account from all consumer reporting agencies. Furthermore, if this account is currently being reported to any credit reporting agency, you must mark the account as DISPUTED pursuant to the Fair Credit Reporting Act ( FCRA ). Reporting information that you can not verify may constitute a violation of federal law. Be advised that failure to comply with this request may result in complaints being filed with the Consumer Financial Protection Bureau, the Federal Trade Commission, and the Attorney General in my state. All future communication regarding

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 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Branch Messenger, Inc.
State: SC

Complaint narrative:
On XX/XX/year>, I was the victim of a social engineering and impersonation scam involving an individual falsely representing themselves as Uber Support. As a result of the deception, I transferred {$490.00} from my Uber Pro Card account to an external card and incurred a {$10.00} transfer fee, totaling {$500.00}. I reported the fraud to Branch on XX/XX/year>. A dispute was opened. On XX/XX/year>, Branch denied my dispute, stating the transfer was authorized because it was completed using biometric authentication within the app. My account was opened in my personal name only. I do not operate an LLC or corporation. I am a sole proprietor, and the account holds my personal earnings. Despite this, Branch and its partner bank, XXXXXXXX XXXX XXXX XXXX, have classified the account as a business account and denied applicability of Regulation E ( 12 CFR 1005.3 ( a ) ). The denial relied solely on the fact that biometric authentication was used. Authentication alone does not establish authorization when a transaction is induced by impersonation and deception. The investigation did not meaningfully evaluate the fraud circumstances, the impersonation evidence, or the fact that the transaction occurred as a direct result of social engineering. No provisional credit was issued during the investigation. On XX/XX/year>, XXXXXXXX XXXX XXXX XXXXXXXX issued a final denial stating that neither Branch nor Evolve would provide a refund because the account is considered a business account and not subject to Regulation E. I am requesting regulatory review of whether the investigation was commercially reasonable and whether labeling this personal-name account as " business '' is being used to avoid consumer protection obligations. I am requesting a refund of {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
My bank regions is making a habit of stealing money from me and distorting what really happened to not claim responsibility. A few years back i started a payment to a " realtor '' for XXXX dollars to rent a home. After a very unsettling walk through process with said realtor I decided not to rent and called to cancel the XXXX payment waiting on a verification with a representative. While trying to have the person delete the payment she instead sent it through unknowingly when it would have automatically deleted itself with a time period. I tried to get the money back from said realtor and she would not pick up my calls and the bank claimed complete deniability. Then after receiving a XXXX XXXX or XXXX days ago when I check my account daily it said I had XXXX dollars from XXXX sent from XXXX on the XXXX and XXXX with a XXXX and XXXX XXXX deposit that was never deposited until yesterday but the transaction dates had been manipulated by regions. After paying XXXX bill thinking my return has been increased from XXXX for some reason I woke up this morning with negative XXXX with the money being taken out my account magically. I have been sick and homeless on and off since XXXX and with how much this society allows government and business to abuse the public I am at the point of diffculty in life XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX because crime keeps getting committed against me and nothing happens because I am poor

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 2026-03-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
For XXXX that debt started in o think XX/XX/year> because that's when I started to receive emails about a bill I owed but I was paying over a {$1000.00} for a phone bill but my last payment was {$1000.00} but it says I owe around {$2000.00} which I did not know about I called them but they wanted me to pay them which I'm not understanding because on my credit report the amount says {$1700.00} but in the email that was sent to me it says {$2000.00}. XXXX XXXX which is in my credit report as XXXX XXXXXXXX XXXX XXXXXXXX XXXX which is a loan servicing on my credit report for the amount of {$1000.00} which I don't know about so I called their number but they wanted me to pay them but I dont feel I need it because my bill was already paid before leaving this company. Sunrise Credit services group is on my credit report for this amount of {$2200.00} and the Original creator on my credit report says XXXX XXXX XXXX but I have never had an account with XXXXXXXX XXXX XXXX XXXX is on my credit report as XXXX as the original creator for the amount of {$140.00} but I did not have an account with att, so! don't know how my name is on it. XXXX XXXX XXXX I used years ago but don't use it now and I don't have a negative balance on that account but on my credit report it says under pay status current account, under terms it says paid monthly with a high balance

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 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation