vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: MoneyLion Inc.
State: PA

Complaint narrative:
Company : MoneyLion , Inc.

Product : Cash advance / virtual wallet / consumer loan Issue : Charged more than expected / problem with refunds/ account handling Complaint Description I am submitting this complaint against MoneyLion , Inc. for unfair, deceptive, and harmful financial practices related to its Instacash and related services.

I received cash advances through MoneyLion and later discovered that the total amounts withdrawn from my bank account exceeded the amounts I actually received, due to fees, repayment structures, and deductions that were not clearly disclosed or reasonably explained at the time of use. Despite making payments and attempting to manage my account responsibly, the net result was that I paid back more than I borrowed.

When I contacted MoneyLion to dispute these charges and request a clear accounting, I was met with inconsistent explanations, delays, and a lack of transparency. At no point was I provided a clear, itemized breakdown showing how the repayment amounts were calculated. Instead of resolving the dispute, MoneyLion continued to withdraw funds, contributing to financial hardship.

These practices interfered with my ability to meet basic financial obligations and created ongoing instability across my bank accounts. I believe MoneyLion failed to provide adequate disclosures, failed to properly investigate my dispute, and engaged in unfair practices by continuing collections while the issue remained unresolved. 

I am requesting CFPB review due to the pattern of overcharging, lack of transparency, and failure to resolve a legitimate consumer dispute

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 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I discovered a collection account on my credit report from Credit Collection Services in the amount of approximately {$97.00}, opened on XX/XX/XXXX, and still being reported as active in XX/XX/XXXX. 

I do not recognize this debt and do not recall ever receiving any bill, contract, or prior notice regarding this account. I have never been provided with documentation showing the original creditor, the nature of the alleged debt, or any agreement bearing my signature. 

I am disputing this account and requesting full written debt validation under the Fair Debt Collection Practices Act ( FDCPA ), including proof that this debt belongs to me and that the company has the legal right to collect it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
I ordered a new card and had it sent to my homegirls house. At the time, I was XXXX using her account because Ive had multiple incidents where officials have tried to make me go broke. She received one card, but then claimed the other one was lost or missing. Because of that, I reported the card stolen.

After that, my sister allowed me to stay at her home, so I changed the delivery address and had the replacement card sent to my sisters house. I did receive that card however, it arrived after I had already reported it stolen. 

This is now the second time this bank has sent my card back to that same womans address, and both times my card ended up missing until she later claimed she found it. Now there is another incident where the bank stated my card would be arriving on my birthday. I believe this was said to make me look forward to receiving the card, because I urgently need transportation. I have to obtain a rental or I risk losing my license if I can not travel back and forth to Georgia. 

Additionally, representatives have repeatedly hung up on me. They keep sending my cards to this womans address, and then tell me they can not provide me with her address. I know where the home is located, but this is my bank account, and I should be able to access full information regarding where my card is being shipped. 

There have also been multiple cyber breaches involving my phone. I have proof of this, and I am not exaggerating the situation. 

On top of that, there is a name added to my account for money transfers, and I do not know this person at all. However, the person has the same name as my mothers boyfriend, including his last name. 
The name is XXXX XXXX. For money transfers. 
At this point, I am formally requesting an investigation into these incidents. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I paid XXXX XXXX for an XXXX package and they told me to send two XXXX payments to third-party individuals. After receiving the money, they failed to provide required travel documents and I could not take my trip. Communication stopped and the XXXX recipients disappeared. I contacted Wells Fargo multiple times, but they denied my claim without a proper Regulation E Review. I am requesting that Wells Fargo reopen and refund the $ XXXXdue to Fraud, misrepresentation and non-delivery of services.

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 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
This is a follow up complaint regarding my previously closed CFPB case : XXXX against Cash App. The solution provided by Cash App did not resolve my issue, and my federally protected Social Security XXXX funds remain inaccessible. 

As stated in my original complaint, on XX/XX/XXXX, Social Security deposited two XXXX back-pay payments into my Cash App account in the amounts of {$23000.00} and {$7600.00}. The Social Security Administration confirmed in person that both deposits were successfully delivered to Cash App. Cash App Support has also confirmed that at least one of these payments is currently held in my old account. 

I no longer have access to that account because my phone and Cash App card were stolen. I have repeatedly contacted Cash App Support, completed identity verification, confirmed ownership of the account, and verified access to the original email address on file. Despite this, Cash App continues to refuse to restore account access or release the funds. 

During my prior CFPB complaint, I was working with a Cash App representative named XXXX. However, once the claim was closed, communication stopped and no resolution was provided. Cash Apps only proposed solution has been continued attempts to recover the old account, an effort that has failed since day one while completely ignoring the core issue : the release of my federally protected XXXX funds. 

Cash App has still not : Restored access to the account Released or transferred the funds Returned the deposits to Social Security Provided any lawful justification for withholding the funds Social Security has informed me the deposits can not be reversed because Cash App accepted them, meaning resolution must occur on Cash Apps end. Cash Apps ongoing refusal to release these funds is causing severe financial hardship and is preventing me from accessing XXXX benefits to which I am legally entitled. 

Because the original complaint resulted in no resolution, I am requesting CFPB intervention to require Cash App to immediately release or return my Social Security XXXX funds without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Someone open 2 capital credit card using my information that i have no knowledge of.am asking for help to remove these accounts as it's affecting my account and report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: WI

Complaint narrative:
I am filing a complaint regarding a denied dispute for a fraudulent transaction processed through Cash App. 

On XX/XX/XXXX, I paid {$35.00} via Cash App to a seller identified as XXXX for an online purchase. The seller accepted payment but never delivered the goods. 

After non-delivery, I contacted the seller multiple times and requested a full refund. The seller refused to issue a full refund and instead repeatedly offered partial refunds ( 20 % and later 40 % ) while providing unverifiable tracking numbers through a non-carrier tracking website. The tracking information never showed confirmed delivery. 

I submitted a dispute to Cash App and provided documentation showing non-delivery, seller communications, and refusal to refund. Cash App denied my dispute and later denied my appeal on XX/XX/XXXX, stating the decision was final. 

I believe this transaction qualifies as fraud and non-delivery of goods. Cash App failed to reasonably investigate despite clear evidence that goods were never received and the seller engaged in deceptive delay tactics. 

I am requesting regulatory review of Cash Apps handling of this dispute and appropriate resolution, including reimbursement and corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: SC

Complaint narrative:
I was a member of XXXX XXXX  ( A gym/health club ) at XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX in XXXX. I had a monthly membership and also paid extra for a personal trainer. My membership number was XXXX. 
On or about XX/XX/XXXX of XXXX, I cancelled my membership due to medical issues and that I was making plans to move back to XXXX. I had fulfilled the terms of my contract and I also notified XXXX, the personal trainer, that I was leaving and would no longer be a client. 
On XX/XX/XXXX of XXXX, my account was once again debited for a monthly charge, approximately {$300.00}, and I contacted the gym to get them to reverse the charge, as I had already cancelled and was no longer a member. Every time I called, I was told the person who could do that was unavailable, but they would let him know and either he would call me back or it would be taken care of. No one ever called me back and it wasn't taken care of, so I finally disputed the charges with my bank, XXXX. I provided them a copy of the contract and my proof of payment and they reversed the charge and notified the gym. 
I still never heard from anyone, and I assumed it was over until XX/XX/XXXX, when I received an email from Aldous and Associates, a collections law firm that represents XXXX  and other gyms ( attached below ). They stated in the email that I owed {$910.00}. I immediately contacted XXXX in XXXX and asked to speak to the person in charge and was again told he was " unavailable, '' but would call me back. This went on for a few days with no call back, but someone at the front desk finally gave me his email address, so I emailed him. He ( XXXX XXXX, XXXX XXXX ( XXXX ) XXXX ), then responded and we had a series of emails that went back and forth ( attached below ) where he asked for additional information, which I provided. 
On XX/XX/XXXX, he emailed me that the account had been settled and that I had been removed from collections. The email also included communication from the debt collector confirming the same. 
Then, on Thursday, XX/XX/XXXX, I received a phone call from Aldous and Associates still trying to collect the debt. I told them it was waived by XXXX and I had it in writing. They wouldn't listen and kept talking about offering me a " settlement. '' They have continued to call and today, I received two letters in the XXXX mail still stating that I am in collections for {$910.00}, but drafted on two different days, XX/XX/XXXX under reference number XXXX and on XX/XX/XXXX under reference number XXXX ( attached below ). 
This is extreme incompetence at best and harassment and unfair business and collection practices at worst. This complaint is toward both XXXX XXXX and Aldous and Associates for the above. They have not honored their agreement and continue unfair and improper collection practices against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Professional Collectors Corp.
State: WI

Complaint narrative:
Professional Collectors responded tXXXX XXXX XXXX  as such, but has done nothing to update the ( XXXX ) credit reporting agencies. 
XXXX XXXX  is closing the file on your complaint # XXXX. The debt collection agency, Professional Collectors Corporation ( PCC ) is ceasing operations and is required to delete all filings with the credit reporting bureaus. Any accounts in your name reported to the credit bureaus by PCC should be deleted soon. 

FORMAL NOTICE OF CONTINUED FDCPA NONCOMPLIANCE FAILURE TO PROVIDE LEGALLY SUFFICIENT DEBT VALIDATION ON ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Professional Collectors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : This letter serves as formal notice of continued noncompliance with the Fair Debt Collection Practices Act ( " FDCPA '' ), 15 U.S.C. 1692, following your response to my prior validation demand. While you provided generic billing statements, payment histories, screenshots, or summaries, you failed to provide legally sufficient validation as required under 15 U.S.C. 1692g ( b ). Where a signed contract or original agreement was requested, such documents DO NOT satisfy federal validation requirements and are insufficient to establish contractual liability in court. Your failure constitutes ongoing violations of, including but not limited to : - 15 U.S.C. 1692g ( b ) Continued collection activity without proper validation - 15 U.S.C. 1692e Misrepresentation of legal compliance and debt status - 15 U.S.C. 1692f Attempting to collect an unverified and legally unsupported debt - 15 U.S.C. 1692c ( c ) Unlawful communication absent proper validation # # # Required Documentation ( Not Provided ) To date, you have failed to produce : - An original contract or agreement bearing my signature - A complete chain of assignment - Competent evidence establishing my legal obligation - Proof of lawful authority to collect # # # Wisconsin-Specific Licensing & Authority Additionally , any attempt to collect within the State of Wisconsin without proper licensing and authority constitutes violations of Wis. Stat . 218.04, 218.12, and related administrative rules, including the requirement to maintain valid registration and lawful authority to engage in collection activity. Failure to demonstrate such authority renders any collection activity unlawful. # # # Credit Reporting Any reporting of this unverified debt to consumer reporting agencies constitutes violations of the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( b ). All collection activity remains prohibited until full compliance is achieved. Continued noncompliance will result in regulatory complaints and preservation of evidence for civil action. All rights reserved. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing this complaint regarding an account being collected by LVNV Funding LLC and serviced by Resurgent Capital Services. The original creditor was XXXX  XXXX, XXXX, and the last known balance on the original XXXX  XXXX XXXX XXXX credit card ( ending in XXXX ) was {$390.00}, as shown on the attached billing statement dated XX/XX/year>. 

LVNV/Resurgent is now attempting to collect {$920.00} on a different account number ending in XXXX, with no explanation or itemization of how the balance increased from {$390.00} to {$920.00}. This is more than double the original amount, and no documentation has been provided to justify this increase. 

I requested validation of this debt, and Resurgent responded with a generic account summary that does not meet the requirements of the Fair Debt Collection Practices Act ( FDCPA ). They did not provide : A copy of the original signed agreement A full itemization of the balance A chain of assignment showing legal transfer from XXXX  XXXX to LVNV Funding Because the debt has not been properly validated and the balance appears inaccurate, I am requesting that the CFPB investigate this matter and require LVNV Funding/Resurgent to : Provide full and proper validation of the debt, including original documentation and a complete accounting of the balance, or Remove the account from all credit reporting agencies and cease collection efforts. 

This unverified and inflated balance is harming my credit and financial standing. I am attaching the XXXX XXXX statement and the Resurgent letter for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Requested documents showing accurate information in the contract I have with them and to show it belong to me and was told no and refuse to provide requested information. Was threatened and told they were going to file a lawsuit against me and it would not come off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
The company started texting me out of no where on XX/XX/year> at XXXX. Texted me on four more occasions after that and I ask them to stop on XX/XX/year>. They sent me a message saying they unsubscribed me from Sunrise Alerts. Something that i never subscribe to and I am also on the XXXX list. So im unsure why they are contracting after i ask them to stop.

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 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank sent me a text message asking me to confirm if I had requested a change of pin for my Debit Card with them. I called them and clarified that I did not. As per their advice immediately we visited the Citi Bank branch and closed the existing checking account and opened a new account. On the very next day ( XX/XX/year> ) they sent me another text message asking me if I requested for a new Thank you Credit card, I reported no and upon checking I found that the card was compromised. Immediately I reported it to the fraud department of Citi Card. They promised to investigate and let me know. I don't have to pay for it until the investigation is finished. 
Today XXXX XXXX, XXXX  I received this letter from Cardmember Services stating that they concluded the investigation and I have to pay the balance transferred amount which is {$4000.00}. 
I have never transferred this money to any of my existing accounts or new account and this transaction has been done without my explicit knowledge and or permission. Therefore I am not responsible to make this payment. Also the Cardmember Service threatened me that they may report my account as past due if I do not make minimum payment. 
Thank you, 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 2026-01-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: CT

Complaint narrative:
Source Receivables XXXX. Debt Validation Request This letter is regarding this account which you claim I have a collection with your organization. This notice is to let you know your Claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you Please also be aware that any negative mark found on my credit report with XXXX  from your company or any company that you represent, for a debt that I don't owe, is a violation of the Ear Debt Collection Practices Act FDCPA 807 ( 15 USC 19620 ), therefore, if you can not va date the debt, you must request that all credit reporting agencies delete the entry Pending the outcome of my investigation of any evidence that you submit, you are instructed to take any action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of the certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for 1 ) Defamation 2 ) Negligent Enablement of identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fal : Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my arca. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to connect your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. Your name : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action Best Regards

Company response to consumer: Closed with explanation