vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
- On XX/XX/XXXX, I contacted XXXX and cancelled future services. At that time, I had XXXX balance on my account, and had paid for services through the month of XXXX. Please see screenshot attached which demonstrates a XXXX XXXX XXXX bill in the amount of {$54.00}, and an ACH Check payment on XX/XX/XXXX paying this balance in full. 
- On XX/XX/XXXX, in the screenshot attached, there is a bill for services for the month of XXXX, with a partial adjustment of XXXX and a balance indicated for {$20.00}. Given that I cancelled services on XX/XX/XXXX and was paid in full at this time, the XXXX charge for XXXX services is not valid in its entirety, inclusive of the {$20.00} balance. 
- On XX/XX/XXXX, XXXX attempted to charge me for this pro-rated XXXX service. Given that I had already both cancelled the service and disconnected all XXXX devices in my home, not only should no service have been billed, but no service was provided at all past the date of XX/XX/XXXX. Given the charge history demonstrates I was paid in full through XX/XX/XXXX, the disconnection of all devices by or before XX/XX/XXXX should have been covered in the previous paid amount. 
- I began to be harassed by debt collectors on behalf of XXXX by XX/XX/XXXX. I received a letter from their debt collection agency in XX/XX/XXXX and made contact with them via phone call on XX/XX/XXXX, at which date I requested a copy of the documentation that demonstrated I owed the debt. I stated that I had been paid in full at the time of cancellation, which the collection company agreed with in our phone call. 
- The collection company did not provide documentation to me until XX/XX/XXXX, over XXXX calendar days after my initial request. 
- The documentation provided does not demonstrate I owe the debt in any way. The documentation provided consists of XXXX pages of material that show essentially the same thing : XXXX 's unlawful attempt to bill for me for a {$20.00} balance on XX/XX/XXXX and the reversal of that unlawful XXXX attempt, and on XX/XX/XXXX a bill showing a balance of {$20.00}. This documentation does not demonstrate the time period that this balance is billed for. This documentation does not include that information because the time period for the balance would demonstrate that this is an unlawful attempt to collect a debt that is not owed. In my XX/XX/XXXX cancellation phone call, I was not informed that any balance was owed or would be billed to me, nor did I agree to any such additional charge. I was not subject to any contractual agreement with XXXX given my existing contract had expired prior to my cancellation date of XX/XX/XXXX, meaning I was on a month to month billing plan. As a result, I was paid in full at the time of my cancellation and any subsequent charges are unauthorized by me and unlawful ( fraudulent ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Cascade CISS Holdings, LLC
State: MI

Complaint narrative:
On XX/XX/year>, I answered a phone call from an unknown local number. The individual calling immediately asked for verification of my or my child 's birthdate and/or mailing address and indicated they were calling on a recorded line. When I asked for her to identify herself or the name of the organization/business, she refused, instead instructing me to " XXXX the phone number '' on my phone and I would " recognize '' the caller. She told me she could " lose her job '' if she identified the company she was calling from, and that it was " against federal regulation '' to identify herself or the company without first verifying my identity. 

I refused and the caller threatened to indicate in my " records '' that I was refusing to be " compliant '' and that my " account '' would be in default. She used both my first name and my XXXX year-old 's son 's name in reference to the information on record. 

I identified the business as XXXX XXXX XXXX  a debt collection agency. It's my understanding that under the FDCPA, agencies must identify themselves when contacting debtors. This identification was not only missed, but refused several times when requested through the course of this phone call. The agent was using aggressive tactics to force my compliance, as well as deception regarding the reason for the call and the identity of the company itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: AL

Complaint narrative:
A purchase was made on XX/XX/year> from a website that claimed to be a boutique clothing store named XXXX XXXX. When the clothing arrived, it was not as described and was very, very cheaply made. It was so cheap that you can actually see through it. Our first clue was when the charge hit out card, it was from a place called XXXX XXXX XXXX XXXX. We attempted to resolve this through contacting the merchant. However, they only offered a {$50.00} store credit for returning the {$99.00} order. We did not accept this since the product was not as described and obtaining a store credit for half of what we paid and only being able to use that credit for more cheap clothing that no one would wear wasn't a fair resolution. 

We filed our charge back request with the Apple Card ( Goldman Sachs ) and provided all the information they requested. While gathering the evidence we found others, through a simple search of the internet, that have also been scammed by this company. There are even XXXX videos from the online stores, where XXXX XXXX copies photos from and posts them to their site, warning people about the scam. After submitting the documentation we waiting a few weeks and our claim was denied. We reopened the request and provided more information and links to show that the company is a scam and waited a few more weeks. Our second claim has been denied and we now have no way to resolve our dispute.

It is very clear, now after research, that the site is a scam. There is proof all over the internet. Using a credit card is supposed to provide some consumer protection from this type of issue but we have been left with XXXX protection with this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I am submitting this complaint regarding the handling and disposition of electronic refund transactions attempted to a closed Santander Bank checking account. 

XXXX refund transactions totaling {$600.00} were initiated on XX/XX/year> by XXXX XXXX XXXX and routed through the XXXX XXXX to a debit card ending in XXXX XXXXXXXX. That debit card was linked to a Santander checking account that was closed on XX/XX/year>, prior to the refund attempts. 

Santander representatives have advised me that the refund transactions are visible in Santanders system as incoming credits ; however, the representatives have been unable to determine where the funds were ultimately posted, whether they were returned through the payment network, or whether they were placed in an internal suspense or exception account. No funds were credited to any account accessible to me, and I did not receive the refund proceeds. 

XXXX  has provided the following Acquirer Reference Numbers ( ARNs ) for the XXXX transactions : XXXX XXXX XXXX XXXX As a consumer, I have been advised that Santander customer service representatives can not perform ARN-level tracing or provide written confirmation of final disposition. As a result, I am unable to obtain documentation independently to determine whether the funds were returned to the originator, placed in suspense, or otherwise misapplied.

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 2026-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
My home mortgage is procesed by Mr. Cooper. 
I received a statement from a difference company called XXXX XXXX. 
I never received any notification from Mr. Cooper handing off processing to XXXX XXXX. 
Thus I suspect that the statement from XXXX XXXX  is potentially fraudulent. 
I have tried to contact Mr. Cooper by phone and website and certified letter but been completely unable to reach them. 
At this point I have no way of confirming the current status of my loan and whether the new statement is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
To Whom It May Concern, I am submitting this letter as a formal dispute and request for reconsideration regarding several transactions that were previously denied by SoFi and incorrectly attributed to me. 

The disputed charges occurred during a period in which both my mobile device and debit card were stolen. These transactions were not authorized by me, nor were they conducted with my knowledge or consent. I reported the theft promptly and took immediate steps to secure my accounts. 

Despite this, my dispute was denied without what appears to be a formal or reasonable investigation. I was informed that the transactions were determined to be mine ; however, no supporting explanation or evidence was provided to substantiate that conclusion. 

Attached is official documentation from my mobile service provider confirming that my device was reported as stolen and subsequently deactivated. This documentation directly contradicts the assertion that the disputed transactions were conducted by me, as I did not have possession or control of my device at the time the transactions occurred.

I am formally requesting that SoFi reopen and conduct a thorough investigation into these unauthorized charges, taking into account the attached carrier documentation and the circumstances surrounding the theft. The denial of my dispute without proper consideration of this evidence is inaccurate and does not reflect the facts of this case. 

Please confirm receipt of this dispute and advise on the next steps in the reconsideration process. I expect a written response outlining the findings of any renewed investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Two fraudulent charges dated on XX/XX/year> and XX/XX/year>. These were named XXXX XXXX, which is typically charges from the reload of the transit card here in the XXXX XXXX XXXX XXXX. Due to the recent transitions to their new XXXX, there has been changes to payment as well. Multiple unauthorized charges have since been posted to the card in question and other cards. I was initially given a provisional credit, as usual, during the investigation but one of the disputes has already been ruled to be an authorized charge. The other one is pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX - Balance : {$470.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX - Balance : {$0.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the alleged XXXX XXXX XXXX  account currently being reported under my name and to demand proper validation of this debt.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the legal right to request full verification and validation of any debt being reported as mine. At this time, you have failed to provide competent evidence proving that I am the lawful owner or obligor of this XXXX XXXX XXXX account. 

To be clear, validation must include actual, verifiable proof, not internal account summaries or billing statements. Acceptable proof includes, but is not limited to : A copy of a signed contract or service agreement bearing my signature Proof of identity verification used at the time the account was opened Documentation showing my explicit authorization or consent for the account Evidence that you have the legal right to collect and report this alleged debt Absent such proof, continued reporting of this account constitutes inaccurate and unverified information, which is a violation of the FCRA. Furthermore, any attempt to collect or report this debt without proper validation may be considered deceptive and unlawful under the FDCPA. 

If you are unable to provide the above documentation, you are legally obligated to : 1. Cease all collection activity, and 2. Delete this account from all consumer reporting agencies immediately.

Failure to comply may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, as well as potential legal action. 

Please provide your response in writing within the time allowed by law. If no valid proof is provided, I expect written confirmation that this account has been permanently deleted from my credit reports. 

This letter is not an acknowledgment of liability nor an admission of responsibility for the alleged debt.

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 2026-01-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
My old apartment complex pavilion on Central located in XXXX, XXXX moved out in XX/XX/year> they are charging me {$470.00} for a carpet charge that is normal wear and tear and I never received my security deposit when I moved out, I am requesting proper documentation due to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
Re : account # XXXX Cease and Desist & Debt Dispute To whom in XXXX Concern, This serves as a formal notice that I dispute this alleged debt in its entirety. 

I am requesting written verification of the alleged debt, including : 1. Proof that I am legally obligated to pay this debt 2. Documentation that you are authorized to collect on this account I received a new collection notice on my credit reports from XXXX XXXX in the amount of {$580.00}. On my credit report it states that the original creditor was XXXX XXXX XXXX. I don't have or never had XXXX XXXX XXXX for anything. I had to have this remove from my credit report once before. I DONT OWE THIS COMPANY. 

It states that the this account was open on XX/XX/year>. I correctly have another carrier for my cell phones and internet service, that I have had for years. I would like this moved from my credit reports ASAP!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
RE : DELL PAY CREDIT | I am contacting the cfpb regarding bogus interest charges from Dell Bread Financial \ ( Comenity Bank ). In XXXX of XXXX I paid Dell Bread Financial \Dell Pay Credit {$190.00} for a deferred Dell Promotional Plan balance. The Dell Promotional Plan is for a year of tech support for one of my desktop computers that I am still financing and pay a monthly minimum balance for. On XXXX, XXXX, XXXX I received an email from Dell Bread Financial \Dell Pay Credit that states that I must pay {$190.00} on or before XXXX, XXXX, XXXX or incur late and interest fees on the {$190.00} balance. I followed up with Dell Bread Financial \Dell Pay Credit via the phone number they provided. I was given the runaround by a Dell rep who stated that Dell Bread Financial could NOT go back and credit my account and that I must pay an additional {$190.00} in addition to my regular monthly credit balance on or before the XX/XX/XXXX due date. Again the deferred Dell Promotional Plan balance of {$190.00} was paid in full in XX/XX/XXXX along with the minimum balance. Dell Pay Credit and Bread Financial ( Comenity Bank ) have refused to credit my account and stated that the {$190.00} I paid for the Promotional Plan balance was allocated toward other purchases? I am still baffled as to how or even why Dell Bread Financial ( Comenity Bank ) are allowed to get away with this. I have disputed the {$190.00} balance with them. There is tangible irrefutable proof I paid the {$190.00} balance in XX/XX/XXXX under statements and transactions which Dell Bread Financial ( Comenity Bank ) has on file. I am sorry but I can not and will not pay the additional {$190.00} to avoid bogus late fees and charges because it is NOT fair and is NOT feasible for me to do so. I am asking that the cfpb intervene on my behalf. Dell and Bread Financial lead me to believe that if I paid the {$190.00} Deferred Dell Promotional Plan balance of {$190.00} which I did pay in addition to my regular monthly minimum payments I would NOT incur late fees or charges. Needless to say I am furious with Dell Bread Financial as there is record of the payments I have made to date on time without fail. I have spoken to them via the phone and I have email correspondence on file with them. They have done nothing to offer any type of resolution. Again I paid the {$190.00} balance in full and they refuse to credit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
WAKEFIELD & ASSOCIATES is falsely reporting on my credit. I have never had any accounts with them. Per my research WAKEFIELD & ASSOCIATES 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 non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On Monday, XX/XX/year>, at approximately XXXX my wife made an ATM cash deposit at the Citibank drive-up ATM located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX. The cash deposit amount was {$3000.00}. The ATM was unable to accept the deposited amount and returned some of the cash. The ATM screen confirmed receipt of {$1900.00}, however, {$1100.00} was returned- so the actual deposited amount was {$1800.00}. The ATM did not provide a receipt for the transaction and my current/available balance on the screen did not reflect any of the deposited funds. An error message then appeared on the ATM screen stating, " This ATM can't dispense cash right now ''. I immediately called CitiBusiness customer service and reported the ATM/deposit issue. A claim was opened. I visited the branch the following day ( XX/XX/year> at XXXX ) and was told my concern could not be addressed in the branch. I again called CitiBusiness customer service and was told my claim would be assigned to an investigator that day. I have yet to receive any follow-up email regarding my claim. I again visited the branch today ( XX/XX/year> at XXXX ) and was told there is nothing that can be done in the branch. I have called CitiBusiness numerous times and my claim remains at a standstill. No one has acknowledged an ATM issue or a resolution to my deposited funds. I was told by one CitiBusiness customer service representative that provisional credit for the deposited amount would be applied to my account, that has not happened.

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 monetary relief
Consumer complaint received 2026-01-23 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: Chime Financial Inc
State: NY

Complaint narrative:
I disputed unauthorized charges from XXXX XXXX XXXX XXXX and was told future charges would be blocked. Despite this, the same merchant charged my account again. Chime failed to prevent recurring fraud and denied my dispute. I am requesting reimbursement and permanent prevention.

Company response to consumer: Closed with explanation