vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc.
State: WI

Complaint narrative:
I am filing this complaint regarding a derogatory account that is being reported on my credit file that does not belong to me. Account number : XXXX I have reviewed my credit reports and identified an account listed under my name that I do not recognize and did not authorize. I have never opened, used, or benefited from this account in any way. This appears to be the result of a reporting error or potential identity theft. I have previously disputed this account with the credit reporting agencies and/or the furnisher, but the inaccurate information remains on my credit report. This is negatively impacting my creditworthiness and financial standing. Under the Fair Credit Reporting Act ( FCRA ), I have the right to have inaccurate, incomplete, or unverifiable information removed from my credit file. I am requesting that this account be thoroughly investigated and permanently deleted from my credit reports. I also request that the furnisher provide proper documentation bearing my signature or other proof that I am legally responsible for this debt. If such documentation can not be provided, the account must be removed immediately. Please ensure that all credit reporting agencies are notified to delete this account and that I am provided with written confirmation once the correction has been made. Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, my home suffered a total-loss fire, leaving my family displaced and forcing us to rely on ALE ( Additional Living Expense ) insurance funds for basic survival. On XX/XX/year>, I paid several laborers who were helping me clear out the only room that survived the firemy garage. These individuals had worked for me before, and I had previously paid them through Cash App. When I typed the name XXXX into Cash App, the app automatically populated a recipient, just as it normally does for people I have paid in the past. However, the person selected was not the XXXX I had previously paid, and Cash App did not display any warning, verification prompt, or new recipient confirmation, even though this was a completely different individual. Cash App has previously required verification when sending money to a new recipient. That safeguard did not occur here. I sent the payment, only for the correct XXXX to inform me he never received it. I was forced to resend his payment using my ALE funds. My insurance carrier will not reimburse duplicate payments made in error. Dispute & Cash Apps Refusal to Correct the Error I immediately disputed the misdirected payment with Cash App. The unintended recipientwho lives in XXXX and has no connection to medeclined the refund. Cash App then refused to return my {$250.00}, providing no justified explanation. I also disputed the transaction with my bank, XXXX XXXX. Cash App responded by stating that I authorized the transaction, despite the fact that : - The app auto-populated a strangers name - No new recipient warning was provided - The payment was clearly misdirected - I reported the error immediately Cash App has refused to correct the issue, even though the misdirection resulted from their systems failure to provide required consumer warnings. This occurred during the most devastating period of my life, when my family had just lost everything in a house fire. Cash Apps refusal to correct an obvious system error has caused additional financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Public record information inaccurate
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
Please see the attached documents. These are letters from the Department of Education and their various partners with my notes on them explaining how their information is incorrect, wrong, or basically untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XXXX XXXX Chime closed my checking and savings account. I also have a credit builder account that they never told me if they closed, but they never sent me the money I put in that account as well. I have sent several emails in regards to this matter and they send me the same responses. They put me in a financial hardship and XXXX trying to get my money back from them. I had {$1500.00} in my checking account, {$2000.00} in my savings account, and {$1500.00} in my credit builder account. When they closed my account I was no longer able to access my money or check my balances. I received a check for {$2000.00} which I am assuming is from my checking account. I never received anything more although I had {$1500.00} in my checking and {$1500.00} in my credit builder account. I am trying to get whats owed to me and Chime should not be able to just steal peoples money. Its also been over XXXX years so Im entitled to interest and hopefully a lawsuit for this. ( Please note that the email I used with chime is XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: CITIBANK, N.A.
State: MI

Complaint narrative:
Subject : Complaint Against Citibank ( Costco Card ) for Denial of Fraudulent Transaction Claims Citi Costco Credit Card I am filing this complaint against Citibank regarding unauthorized and fraudulent transactions on my Citi Costco Anywhere Visa Card, which the bank has improperly denied after dispute. Between XX/XX/year>, and XX/XX/year>, multiple unauthorized transactions were made on my credit card at various Costco warehouse locations in USA. I did not authorize, participate in, or benefit from any of these transactions. I was not physically present in these locations at the time. Below is a summary of the fraudulent transactions : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX {$340.00} XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX {$360.00} XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$420.00} XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$230.00} XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$340.00} XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$390.00} XX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$440.00} XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$220.00} XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA {$300.00} XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$420.00} XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$450.00} XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1.00} XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$260.00} XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$320.00} XX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$330.00} The total fraudulent amount exceeds {$4800.00}. I reported these transactions promptly to Citibank and filed a dispute. However, my claim was denied without adequate explanation or supporting evidence. Citibank has failed to provide documentation from the merchant or any proof that I authorized these transactions. This pattern of transactions clearly indicates fraud : Multiple transactions across different cities within short timeframes Transactions occurring in locations where I was not present Repeated high-value charges in rapid succession I am requesting the following actions : Immediate reversal of all fraudulent charges Full reimbursement of all disputed amounts Written explanation of the basis for denial Copies of all documents and evidence used in the investigation I respectfully request the CFPB to investigate this matter and ensure that Citibank complies with its obligations to protect consumers from fraud. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Subject : Inaccurate Charge-Off Reporting Capital One I am filing a complaint regarding inaccurate reporting by Capital One on my credit report. Account : Capital One Balance : {$480.00} This account is being reported as a charge-off ; however, there are multiple inaccuracies : - The account continues to report as past due and updating monthly despite being charged off, which is misleading. - The balance exceeds the original credit limit without proper explanation. - The account is marked as closed at consumer request, which is incorrect and was not authorized by me. - The reporting is inconsistent and does not accurately reflect the true status of the account. Under the Fair Credit Reporting Act ( FCRA ), all reported information must be accurate and complete. I am requesting : - Immediate correction or deletion of this account- Verification of all reported information - Removal if the account can not be properly verified as accurate If these inaccuracies are not corrected, I will pursue further action for violations of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
There was late reporting on my credit report. I went back over and looked at the history of my report, all my previous months were on time when I contacted the company, they told me at first it was an error they're going to correct it. And I have been going back-and-forth since XXXX Regarding this situation told on multiple occasions, it was going to be handled and get the late removed. I have made XXXX phone calls and I have gone through the portal messing center that was provided to me by supervisors that have told me to put my dispute in through there and they will remove it. I have been getting nothing but the runaround for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westcreek Financial
State: TX

Complaint narrative:
I am filing this complaint against XXXX regarding an alleged debt that I have requested to be validated. On or around [ XXXX ], I sent a written request asking for full debt validation, including proof of the original agreement, itemized breakdown of the amount, and verification of their legal right to collect this debt. Since then, I have sent follow-up communications, but I have only received generic automated responses that do not provide any of the requested documentation. The company continues to attempt collection without providing proper validation of the debt. This lack of response and continued collection efforts without validation may constitute a violation of the Fair Debt Collection Practices Act. I am formally disputing this debt and requesting that the company either provide full validation or cease collection efforts and remove this account if they are unable to validate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: NJ

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged debt Collection LVNV FUNDING LLC claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Pursuant to this law, I respectfully request that you provide the following information : 1. The name and address of the original creditor. 2. A detailed statement of the alleged debt, including the amount and how it was calculated. 3. A copy of the original signed debt collection agreement or contract. 4. Proof that you are legally authorized to collect this debt. 5. A full accounting of payments, interest, fees, and charges applied to the alleged balance. 6. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt. Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry. This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within XXXX days from your receipt of this letter. regarding an alleged debt you claim I owe. Please be advised that this is not a refusal to pay, but a request for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Pursuant to my rights under the FDCPA, I request that you provide the following information : 1. The name and address of the original creditor 2. The amount of the alleged debt, including a breakdown of all fees and interest 3. A copy of the original agreement or contract bearing my signature look the same on my Id 4. Proof that you are authorized to collect this debt 5. A complete payment history, starting with the original creditor While awaiting verification, please : * Cease all collection activities, including phone calls, letters, or reporting to credit bureaus. * Do not contact me at my place of employment. * Do not contact any third parties about this debt. If you can not provide the requested verification, you must stop all collection efforts and remove any related information from my credit reports. Please respond to this request in writing. I recommend all future communication be done via mail only. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LAKEVIEW LOAN SERVICING, LLC
State: OK

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting on my mortgage account. I entered into a loan modification agreement with my mortgage servicer on XX/XX/year>. Under the terms of this agreement, I have been making the required payments as agreed. Despite this, my mortgage account continues to be reported as delinquent to the credit bureaus. This reporting is inaccurate because I am in an active loan modification and am complying with its terms. I have attempted to resolve this issue directly with the servicer on XX/XX/year>, but the problem has not been corrected. This inaccurate reporting is negatively impacting my credit profile and causing financial harm. I am requesting that the servicer : 1. Correct the reporting on my account to reflect that I am current under the loan modification agreement 2. Remove any inaccurate delinquency or late payment marks reported after the modification effective date 3. Provide written confirmation once corrections have been made Please investigate this matter and ensure that my account is reported accurately going forward.

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 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XXXX, Citicards abruptly closed all my XXXX open Credit Card accounts without providing a clear explanation. Citi suggested I apply for a new card, as they were unable to reopen any of the closed accounts, which conflicted with what a Citi supervisor told me, I had at least XXXX months to a year to reopen any of the closed accounts. I applied for a new Citi credit Card and was DENIED. I received a letter stating I am " restricted from opening accounts ''. I have contacted Citi multiple times by phone. Each time I have been transferred to at least XXXX different departments, all with the same response, nothing can be done. I have not received a clear written or verbal explanation identifying the cause of this restriction. I have a XXXX credit card linked to XXXX XXXX I use frequently. I've been advised that account to being transferred to Citi. I fear they will close this account too. I am requesting : XXXX. A written explanation of why all my accounts were closed, even though a payment was never missed. XXXX. A written explanation for why I am now restricted from opening new accounts, even though I maintain a high XXXX XXXX ( XXXX ) XXXX. Identification of any consumer report, internal review, or any other information used in making their decisions I would like Citi to provide a specific and complete response rather than a general statement that no one can tell me why. Thank You for your assistance in this matter. 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 2026-04-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: CO

Complaint narrative:
In XX/XX/year>, I was notified by my mortgage lender that a collections account from Harris & Harris appeared on my credit report attributed to XXXX / XXXX. I have no knowledge of this debt and have never had an outstanding balance with XXXX. I contacted XXXX directly and they have no record of any account, balance, or collection activity associated with me. On XX/XX/year>, I sent Harris & Harris a written debt validation request via XXXX XXXX Mail, disputing the debt in full and requesting they cease all collection activity and credit reporting until the debt is validated. I have received no response. I am requesting the CFPB investigate this matter and ensure the account is removed from my credit reports if Harris & Harris can not validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: FL

Complaint narrative:
I submitted a dispute due to receiving damaged goods from a company I had made a purchase with. I submitted picture proof of the damage, confirmed that I tried to resolve with the merchant, and the credit card company still refuses to fulfill my dispute. As a longtime customer, Im not being protected nor receiving appropriate reconciliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I am writing to formally demand that you immediately cease all communication with me regarding any alleged debt. I dispute this debt in its entirety, as I have no knowledge of, nor have I entered into, any agreement or contractual obligation with XXXX XXXX XXXX or any entity you claim to represent. Despite this, I continue to receive repeated and unsolicited phone calls from your company. These calls are excessive, harassing in nature, and in some instances appear to be masked or spoofed to resemble local or county phone numbers in an attempt to compel me to answer. This conduct is deceptive and unacceptable. Be advised that your actions may be in violation of federal law, including but not limited to : The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. : 1692c ( c ) : I am exercising my right to request that you cease all communication with me. 1692d : Prohibits harassment or abuse, including repeated calls intended to annoy or harass. 1692e : Prohibits false, deceptive, or misleading representations, including the use of misleading caller identification. The Telephone Consumer Protection Act ( TCPA ), which restricts the use of autodialed, prerecorded, or misleading calls without proper consent. Accordingly, you are hereby directed to : Immediately cease and desist all calls, texts, emails, and any other form of communication with me. Stop using any spoofed, masked, or misleading phone numbers to contact me. Provide written validation of the alleged debt, including the original creditor and proof of my legal obligation, should you intend to pursue this matter further. If you fail to comply with this notice, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I will also consider pursuing legal action for any violations of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
I got behind a bit with One Main Financial and setup payment arrangement with their corporate office paid on time even though I was difficult to at times. There have been changes in jobs for me and my husband over the course of this loan and now that the corporate office is who I am supposed to deal with now if I am XXXX day late making my payment they will call me XXXX times a day. Last week week of XXXX XXXX XXXX they called a total of XXXX times between XXXX and XXXXy because my payment was due on XXXX XX/XX/XXXX. Each time they tried to call me I was either in the shower getting ready for work, asleep, or at work. My husband had been without a job since XXXX and had just recently started a job and was to get his first paycheck that XXXX. When I was finally able to call them back on XXXX on my way to work I explained that paydays dont always align with the date it is due and they knew my husband was out of work because I had told them the month before he got the new job. I told them I would pay before the end of the month and that I was reporting them for harassment due to how many times they had called me in a XXXX day span. I have screen shots of the calls and how often they called me. Also on top of all of this I have made XXXX payments over the phone and was charged an almost {$40.00} late fee but when I pay late online there isnt a late fee I noticed last month I paid towards the end of the month online and it was my normal payment without the almost {$40.00} fee Ive been charged twice for over the phone that seems shady to me. Almost like its more a fee for paying over the phone rather than a late fee.

Company response to consumer: Closed with explanation