vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-17 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: VA

Complaint narrative:
On XX/XX/year>, an unauthorized {$5000.00} transaction occurred through my Cash App account. Funds were transferred from my linked bank account into my Cash App account and were then fraudulently transferred out of my Cash App account to another account without my authorization or consent. I did not authorize this transfer, did not authorize anyone else to access or use my Cash App credentials, and did not intend to send funds to the recipient account. I contacted Cash App within approximately 30 minutes of the unauthorized transaction and immediately attempted to have the transfer stopped or reversed. I also filed a police report identifying the transaction as fraud and unauthorized activity. Cash App denied my claim and stated that the transaction was authorized by me or someone I authorized to use my credentials. This statement is incorrect. I never authorized any person to access my account or send this transfer on my behalf. This transaction is entirely inconsistent with my account history and normal usage patterns. I have never previously conducted transactions remotely close to {$5000.00} through Cash App. Cash App also instructed me to contact my bank and XXXX XXXX XXXX regarding the transfer. However, my bank successfully completed the transfer into Cash App. The unauthorized activity occurred afterward within the Cash App platform. I do not have any relationship with XXXX XXXX XXXX and can not investigate recipient account activity or transaction routing within Cash Apps processor network. I requested additional information regarding the denial and attempted to dispute the determination further, but Cash App closed the case. I believe Cash App failed to properly investigate this unauthorized electronic fund transfer and improperly denied my fraud claim despite : * immediate reporting, * immediate attempt to stop the transfer, * a police report, * and transaction activity inconsistent with my normal account usage. I am requesting : * reimbursement of the unauthorized {$5000.00} transfer, * reopening of the fraud investigation, * and copies of all records, logs, and investigative materials relied upon in denying my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding restricted access to my funds on Crypto.com. For more than six weeks, I have been unable to withdraw approximately {$600.00} from my account. Despite repeated attempts to resolve the issue through customer support, I have not received a clear explanation for the restriction, a timeline for resolution, or any meaningful assistance. I have fully cooperated with support and remained responsive throughout the process. However : No additional verification documents have been requested from me I have not been informed of any compliance issue, fraud concern, or account violation I continue receiving generic responses stating that the matter is being reviewed Support representatives have been unable or unwilling to provide a timeframe for resolution I have requested : A written explanation for the restriction Confirmation of whether any action is required from me Escalation to a supervisor or compliance specialist A timeline for restoring access to my funds To date, none of these requests have been meaningfully addressed. I am requesting that Crypto.com provide : A written explanation for the restriction on my withdrawals Prompt restoration of access to my funds if no additional action is required from me A clear timeline and point of contact for resolution I have retained screenshots and records of my communications with support documenting the ongoing issue. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Fairway Capital Recovery, LLC
State: OH

Complaint narrative:
I contacted Fairway capital recovery 4 times to ask for debt validation letter and they refused to work with me. I asked them to email me the validation letter and they sent me a blank page. I asked if I can dispute this with them and they refused. This company is reporting to credit beuro with wrong information and ruining my credit. I cant rent any place because of them. Im not the original owner of this debt but yet its reported under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to report that Capital One has failed to honor a special deposit of XXXX XXXX dollars in U.S. Treasury bond credits to my account number XXXX. The instrument number is XXXX. This instrument is the document recorded on the U.S. Treasury account, account bookkeeping ledger. These are XXXX XXXX gold backed credits. Capital One has trustee and fiduciary obligation over my account and how the account is set up to accommodate this transaction. The private banker who handles this transaction is entitled to a commission of 15 percent of the transaction. As the creditor, I provided instructions for the bank to deposit these U.S. Treasury bond credits into my account upon demand. The fiduciary and trustees of this account are obligated to set up whatever necessary account that is necessary for this deposit to happen in a positive financial manner on my behalf. Please investigate this matter and enforce compliance. Thank you for your assistance. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: KY

Complaint narrative:
Cash app App won't let me order a replacement debit card

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
A collection account by the name of LVNV Funding LLC has been recently added to my credit report. I do not recognize this debt, and dispute it being on my report. I would like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I deposited an {$800.00} check via mobile deposit as there is no physical BMO location near me within a reasonable distance. Deposit happened on Thursday XXXX XX/XX/XXXX at XXXX CST. The check came from a community based victims advocacy center for immediate emergency out of state relocation and it was processed on Friday the XXXX and the amount is in my current balance ledger but not in available balance. Customer service representative and account specialists refused to give even a temporary credit against the balance and hung up on me the second I asked for their name and employee ID number. I need access to said funds to continue being safe and the absolute refusal to make the already processed funds available isnt going to allow me to stay safe.

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 non-monetary relief
Consumer complaint received 2026-05-17 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: Velocity Portfolio Group
State: CA

Complaint narrative:
I am formally disputing this debt and requesting full validation under 15 U.S.C. 1692g. Please provide the original creditors name, account number, complete account statements, fee documentation, and proof of your legal authority to collect. You must cease all communication except to notify me that collection efforts are terminated. All communications will be documented, and any violations of the FDCPA will be reported to the Consumer Financial Protection Bureau and my State Attorney General. XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Veros Credit, LLC
State: TX

Complaint narrative:
XXXX CLOSED Veros credit I need this removed from all 3 credit bureaus the company never responded never sent reinvestagation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 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: TekCollect Inc.
State: OH

Complaint narrative:
I am filing a formal harassment and billing dispute against TekCollect regarding an account originating from XXXX. XXXX, TekCollect is flagrantly violating the FDCPA by calling my phone over 10 times in a 48-hour period from XXXX to XXXX after I explicitly issued a verbal cease-and-desist demand. Second, the amount of the balance is not correct. Third, the underlying debt is entirely invalid. I only received and used the very first set of aligner trays because they did not fit, meaning the contracted XXXX XXXX were never delivered. XXXX has since gone completely bankrupt and ceased global operations, making it impossible to fix the fit or fulfill their 'Lifetime Smile Guarantee '. Under the FTC Holder Rule, TekCollect can not legally collect a debt on a completely breached, defective consumer service contract. Furthermore, this XXXX default date places the account near the expiration of the Ohio statute of limitations. I demand TekCollect permanently cease all contact, fully validate the original delivery of services, and completely remove this collection file from my credit records.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 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: TX

Complaint narrative:
I already have a complaint open, complaint number XXXX. Submitted XX/XX/year>. And the same collector ( Portfolio Recovery Assc. ) Continues to contact me via telephone call. Again, I have no idea why they are calling and continue to call after repeated certified mail to them asking to stop harassing me. This last call was on a Sunday as well. This is my last and final notice before filing suit against said company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Contacted XXXXXXXX XXXX XXXX to settle an outstanding debt collection that had a judgement. We agreed on a payoff amount over the phone but they refused to send any type of agreement in writing. I do not even have an accurate payoff amount for the full judgement and the claim was because the interest rate charged changes daily to the amount owed. I asked if I paid the agreed amount over the phone in that moment would I receive a receipt stating paid in full and they said no I would have to contact another number with the attorney who was assigned to that claim. I called the number provided to speak directly to the attorney and it just called the same automated number. As of now they claim they can not give anything in writing and one person stated that the phone call was recorded and that was enough!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: FL

Complaint narrative:
Ive paid XXXX. Towards the loan. The credit balance is XXXX. That could take 10 years. I took this out to avoid eviction. Im in hardship I cant afford it. The Fess are to excessive. Ive attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: WI

Complaint narrative:
I discovered inconsistent and potentially inaccurate debt collection reporting related to an alleged XXXX XXXX account. On or around XX/XX/year>, I reviewed my credit/account information and noticed that XXXX XXXX XXXX XXXX was reporting a collection account with a balance of approximately {$530.00}. The account was reported as opened on or around XX/XX/year>. I also received a separate collection communication from Sequium Asset Solutions regarding what appears to be the same XXXX XXXX account. However, Sequium Asset Solutions claimed the balance owed was approximately {$790.00}. The balances, reporting information, and collection details are inconsistent between the companies. I am concerned that : the debt amount is inaccurate, duplicate collection activity may be occurring, ownership of the debt is unclear, and inaccurate information is being reported to credit bureaus. I dispute the accuracy of this alleged debt and request full validation, including : proof of the original XXXX XXXX account, itemized accounting of the balance, proof that the collector has legal authority to collect, and verification of the correct balance and ownership. At this time, the conflicting information has caused confusion and may be negatively affecting my credit reporting. I am requesting that the inaccurate or unverifiable information be investigated and removed if it can not be properly validated. I have supporting documentation and screenshots showing the conflicting balances and reporting information from the different collection companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: TX

Complaint narrative:
Cedars Business Services LLC placed a {$3600.00} collection on my credit report in XX/XX/XXXX claiming I owe a debt to XXXX XXXX I have never attended XXXXXXXX XXXX. I have never enrolled, applied, or had any financial relationship with this institution. I am a confirmed identity theft victim with an FTC Identity Theft Report documenting fraudulent accounts opened using my personal information stolen in multiple confirmed data breaches including XXXX XXXX XXXX in XXXX which exposed my government ID, date of birth, and home address. Cedars violated FDCPA 1692g by never sending a validation notice before reporting this debt. I had no communication from Cedars before this collection appeared on my credit report in XX/XX/XXXX. Reporting without prior validation notice is a violation regardless of whether the underlying debt exists. Cedars can not independently verify this debt. Their own interim CFPB response on complaint XXXX dated XX/XX/XXXX states they forwarded the matter to XXXXXXXX XXXX for an update. A debt collector who must ask the original creditor to verify the debt does not independently possess the documentation required to report under FCRA 1681s-2. Additionally Cedars is reporting a balance of {$3600.00} while XXXXXXXX XXXX 's original amount is {$3000.00}. That {$610.00} discrepancy has never been explained. Reporting an inflated amount that exceeds the original creditor balance with no documentation of how the additional {$610.00} was calculated violates FCRA 1681s-2 maximum accuracy requirements. Three separate violations exist simultaneously. No validation notice before reporting. No independent documentation to verify the debt. Inflated balance with no explanation. None of these violations require waiting for XXXXXXXX XXXX to respond. They exist in the current record and require immediate deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.

Complaint narrative:
I am filing a formal complaint against LVNV Funding LLC and Resurgent Capital Services regarding a wage garnishment initiated on a debt I do not recognize and for which I was never properly served. Despite living at my current address for the past 11 years, I never received a summons, complaint, judgment, or any notice of legal action. No adult in my household ever received documents on my behalf. However, the court record states that I was physically served, which is factually incorrect. I only became aware of this alleged debt and the underlying XXXX judgment when my employer deducted wages. Prior to that, I had no knowledge of the lawsuit, the judgment, or any collection activity. I was never provided with validation of the debt, the original contract, or proof that LVNV Funding legally owns the account. Because I was never served, I was denied the opportunity to dispute the debt, appear in court, or exercise my rights under the Fair Debt Collection Practices Act ( FDCPA ). I believe LVNV Funding and Resurgent Capital Services obtained a default judgment without proper service and are now enforcing a garnishment based on a judgment entered without due process. I have already filed a Motion to Vacate the Default Judgment in XXXX XXXX XXXX, requesting that the judgment be set aside due to improper service and lack of notice. The motion is currently pending review by the court. I am requesting that the CFPB investigate the following : Whether LVNV Funding and Resurgent Capital Services used improper or false service of process Whether they attempted to collect a debt without providing required validation Whether they are enforcing a judgment obtained without proper notice Whether the garnishment is lawful given the lack of service and lack of consumer notification I am requesting that LVNV Funding provide : Proof of proper service A copy of the original signed contract A complete chain of title for the debt A full accounting of the amount claimed This situation is causing financial hardship, and I am requesting immediate review and corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am demanding that this account be taken off my 3 credit report from XXXX, XXXX and XXXX immediately pertinent to The Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: PA

Complaint narrative:
This account appears on my XXXX credit report under XXXXecurity Credit Services in the alleged amount of {$250.00}. I previously disputed this with the credit bureau and it was not removed. I have sent a debt validation letter requesting proof of the debt, chain of ownership, and original creditor documentation. The company has not properly validated this debt. I am requesting immediate removal from all credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have an open fraud claim for {$490.00}. Wells Fargo only issued {$190.00} in credit. The account is now closed, and the online portal is frozen on 'processing ' with no updates for weeks. I need Wells Fargo 's executive office to manually review the remaining {$290.00} and issue a physical check for the stolen funds. '' The claim was open on XX/XX/XXXX last update was XX/XX/XXXX. They close my account two day after the XXXX credit as I ask them to on XX/XX/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 2026-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This account appears on my XXXX credit report under LVNV Funding LLC in the alleged amount of {$310.00}. I previously disputed this with the credit bureau and it was not removed. I have sent a debt validation letter requesting proof of the debt, chain of ownership, and original creditor documentation. The company has not properly validated this debt. I am requesting immediate removal from all credit bureau reports.

Company response to consumer: Closed with non-monetary relief