vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: CA

Complaint narrative:
I am filing a complaint regarding my Direct Express prepaid card used for receiving XXXX benefits. On XX/XX/year> at approximately XXXX XXXX, I attempted to withdraw {$1000.00} from a XXXX ATM located at XXXX XXXX XXXX, XXXX XXXX, CA. The ATM did not dispense any cash ; however, {$1000.00} ( including a {$4.00} surcharge fee ) was deducted from my account. I received a receipt stating that the transaction could not be completed and that I should contact my bank to ensure proper credit to my account. I filed a dispute regarding this transaction, but it was denied. My dispute was rejected without proper explanation, evidence, or documentation of the investigation. I also requested detailed information about the investigation, including transaction records, ATM audit logs, and verification with the ATM operator, but this information was not properly provided. These funds are XXXX government benefits and are my only source of income. The failure to return money that was never dispensed is causing serious financial hardship. Under Regulation E ( Electronic Fund Transfer Act ), financial institutions are required to properly investigate errors and resolve unauthorized or incorrect transactions. Denying a claim for cash not dispensed without sufficient investigation is a violation of these obligations. I request a full and documented investigation, including ATM audit logs and confirmation from the ATM owner, and immediate reimbursement of the full amount of {$1000.00}. Transaction ID : XXXX Please treat this matter as urgent and resolve it immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
This is a follow-up to XXXX XXXX. I am filing this new complaint because First National Bank of Omaha ( FNBO ) has provided a final response that contains a written admission of a statutory default and relies on deceptive legal claims to deny a valid dispute. XXXX. Admission of Statutory Default ( Regulation E ) : I am filing this new complaint because First National Bank of Omaha ( FNBO ) has officially certified its failure to comply with 12 CFR 1005.11 ( d ) ( 2 ). In a final response dated XX/XX/year>, XXXX XXXX ( XXXX of the XXXX ) admitted in writing : " In your case, there is no additional documentation to provide '' regarding their investigation. Federal law mandates that a bank provide the documentation it relied upon for its determination. By admitting no logs exist, the bank has documented a failure to conduct a " reasonable investigation '' as defined by the Electronic Fund Transfer Act. XXXX. Managerial Misconduct & Rejection of Federal Authority : On XX/XX/year>, I spoke with XXXX XXXX XXXX ( Ext : XXXX ). During this recorded call, XXXX XXXX explicitly stated that " bank policies succeed federal laws '' and claimed the bank is not required to follow Regulation E for this dispute. She further characterized the XX/XX/year> XXXX Phase XXXX Risk Management Framework regarding " False Pretenses '' as " made up ''. These statements constitute a deceptive practice intended to mislead a consumer into surrendering their statutory rights. XXXX. Evidence of Fraud and Impossible Recourse : The merchant ( XXXX XXXX XXXX XXXX ) provided a written admission on XX/XX/year>, confirming non-delivery due to their own error. As of XX/XX/year>, the merchant has blocked all communication. The bank 's formal instruction to " continue working with the merchant '' is physically impossible, proving the bank is ignoring its XXXX XXXX Phase XXXX duty to remediate " False Pretense '' transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: WA

Complaint narrative:
I received a notification from my Credit Karma Money spend account that a transaction in the amount of {$190.00} was posted my account on XX/XX/year>. This transaction occurred between XXXX and while this transaction occurred, I was working a shift which started at XXXX and ended at XXXX. The transaction was also made in XXXX, WA and I both live and work in XXXX, WA. Also, I do not shop at XXXX 's where the transaction took place. Upon this discovery, I disputed the charge not once, but twice and both times I was denied. I provided XXXX XXXX with proof of my work schedule and my shift report on the day of this incident, and to no avail, I was still denied. I did not engage in or approve of this transaction and now I am having to pay the price by losing out on almost {$200.00} for a transaction that was fraudulent placed on my account. Please help me with this situation. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Advance Loan Service
State: KY

Complaint narrative:
This is a repeat from the complaint I tried to send. Honestly I don't know who these people want. I would really much appreciate it if they leave me alone. This company has been blocked from my email address. Hopefully they won't try to contact me again.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I am a XXXX elder fraud victim in South Carolina. I was manipulated by scammers into taking XXXX cash advances on my TD Bank credit card and immediately wiring the funds to the scammers. Both the cash advances and the wire transfer were processed at the same TD Bank branch. I have filed a report with the Federal Trade Commission report number XXXX. When I called TD Bank today to request hardship assistance as an elder fraud victim, I was told nothing could be done because the charges were more than 6 months old. I am requesting that TD Bank review this account for elder fraud hardship consideration and halt any collections activity while that review is pending. XX/XX/year>. XXXX XX/XX/year>. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Receivable Management Services LLC
State: GA

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

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 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: NVR INC.
State: VA

Complaint narrative:
I closed on my home on XX/XX/year> and am owed a {$500.00} post-closing refund that was not included on my Closing Disclosure due to program restrictions. Since closing, I have made multiple attempts to obtain the status of this refund through my loan officer at NVR Mortgage, the settlement office, and the builder ( XXXX XXXX ). The settlement office has confirmed that the refund is currently pending with the builder. However, I have not received clear confirmation that the refund has been issued or a timeline for when it will be processed. I also received an email notification from NVR , Inc. stating that a {$500.00} payment was returned on XX/XX/year>. Despite this, I have not received any refund funds in my account or by mail. My attempts to contact the builder have gone unanswered, and my loan officer has only indicated that they are following up internally without providing a resolution. As of today, I have not received the {$500.00} owed to me or clear communication regarding where the funds are or when they will be delivered. I am requesting confirmation of the refund status and prompt issuance of the {$500.00} owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: OR

Complaint narrative:
My account was deactivated due to apparent rules being broken but would not tell me what I had done. I did not break any rules or do anything wrong. The only weird thing that happened was I had a few people try to send me random amounts of money and I did not know who they were or why they were you trying to send me money so I denied it. Other than that, I only used cash app for family and friends. I appealed the decision and it was denied. I contacted customer service two different times by phone and was refused information on why this is happening and they refused to let me speak with a manager or supervisor both times.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Business Revenue Systems, Inc.
State: OK

Complaint narrative:
Statement date was XX/XX/year>. Balance of {$88.00} for a mammogram. My mammograms are free. This was a second one. I called the company in XXXX XXXX XXXX XXXX. and told them my mammograms are free. They told me to call the insurance company. I did and they were going to process, again with the correct codes. XX/XX/year> and I get a collection notice. They sold my information to a collection agency while my claim was still being processed a second time. The Insurance rep said check back on XX/XX/year>. I did exactly what the Radiology Consultants PC REP told me to do and they sent me to collections for an {$88.00} bill that was being reprocessed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: GA

Complaint narrative:
I am filing a complaint against MOHELA regarding inconsistent and obstructive communication practices. On multiple occasions, I attempted to contact MOHELA via email and/or their secure messaging system to request assistance and documentation. These submissions either failed to generate confirmation receipts or appeared to be blocked entirely. In cases where messages were successfully submitted, response times were excessively delayed or nonexistent. At the same time, MOHELA has consistently delivered automated communications, including payment schedule changes, due date reminders, and late payment notices. This demonstrates that their system is functional for outbound communications but unreliable or inaccessible for borrower inquiries. This lack of responsiveness and inability to confirm message receipt has prevented me from effectively managing my student loan account and resolving issues in a timely manner. I request that MOHELA : Provide confirmation of all submitted communications, Ensure consistent access to borrower messaging systems, Respond within reasonable and defined timeframes, Investigate and correct any system issues preventing message delivery. I also request a formal record of all my prior communications and attempts to contact them. This situation has caused unnecessary confusion and concern regarding my loan status and obligations.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
On or around XX/XX/year>, I received a debt collection letter from Sunrise Credit Services XXXX XXXX ( XXXX XXXX XXXX, XXXX, NY XXXX ), attempting to collect an alleged debt of {$3900.00} purportedly owed to XXXX XXXX XXXXXXXX XXXX XXXX, XXXX account ending in XXXX ( SCS reference XXXX XXXX ). I dispute this debt in its entirety and have not received adequate verification or validation of this alleged obligation. The collector has not provided : ( 1 ) proof that Sunrise Credit Services , Inc. is licensed to collect debts in the state of Florida ; ( 2 ) a copy of the original signed agreement or contract establishing this debt ; ( 3 ) a complete payment history showing how the current balance was calculated ; ( 4 ) proof that the statute of limitations has not expired ; or ( 5 ) documentation confirming that Sunrise Credit Services holds the legal right to collect on this account. I am formally requesting full debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. The letter states a dispute deadline of XX/XX/year>. This CFPB complaint is being filed to ensure a record of my dispute and to put Sunrise Credit Services , Inc. on notice that I am aware of my consumer rights under federal law.

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 2026-04-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
In XXXX, I received communication from a debt collection agency regarding an alleged debt. I formally disputed the debt in writing and requested validation, including details of the amount, original creditor, and documentation showing I was legally responsible for the debt. The company responded with a limited move-out charges summary and a digital lease summary. However, the information provided did not fully validate the debt or clearly establish my legal obligation to pay it. After this exchange, I continued to receive contact attempts for a period of time, although contact has significantly decreased over the past two years. The debt has never been clearly validated in a way that resolves my dispute. I am requesting that the company provide complete and proper validation of the alleged debt or cease collection efforts and ensure the account is not inaccurately reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
I am filing this complaint against FABCO for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). FABCO is currently reporting a collection account ( Acct : XXXX ) with a balance of {$4300.00} that I do not recognize and have not been provided validation for. Specific Violations : Failure to Substantiate Debt : Despite my disputes, FABCO has failed to provide a copy of the original signed contract or a breakdown of the alleged {$4300.00} balance. Deceptive Reporting : FABCO is reporting this account inconsistently across the credit bureaus. It is being listed as an " Open Account '' with some repositories and a " Collection '' with others. Reporting a collection as an " Open '' account is a deceptive practice that artificially inflates the negative impact on my credit score. Lack of Legal Authorization : I have seen no evidence that FABCO has the legal authority to collect this specific debt or a valid chain of assignment from the original creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
I am filing a formal complaint against Credence Resource Management regarding a collection account for {$620.00} allegedly tied to XXXX XXXX XXXX that has been placed on my credit report. I dispute this account in its entirety and do not recognize this alleged debt. I currently reside at the address listed on my government identification. I do not currently have XXXX services associated with my present address, and I do not recognize this alleged account. This raises serious concerns regarding identity verification, account accuracy, and whether this debt was improperly attributed to me. Credence Resource Management has reported this collection account to consumer reporting agencies, damaging my credit profile, yet I was not properly notified before or after reporting. I did not receive any lawful debt validation notice, written notice of rights, itemized statement, transfer notice, or documentation proving I owe this debt. If Credence claims notice was sent, I demand strict proof, including : 1. Date notice was mailed 2. Full address used 3. Method of mailing or delivery 4. Copy of the exact notice sent 5. Internal records showing mailing occurred Under the Fair Debt Collection Practices Act, a debt collector must provide proper validation disclosures and clear notice of dispute rights. Reporting or collecting without first providing required notices may violate federal law. Further, under the Fair Credit Reporting Act, furnishers of information must report only accurate and verifiable data and must investigate disputed information. I demand Credence Resource Management immediately provide the following : 1. The full service address associated with this alleged XXXX account 2. Dates service was active 3. Complete monthly billing statements 4. Full payment ledger and itemization showing how {$620.00} was calculated 5. Date of first delinquency 6. Signed application, contract, or service agreement bearing my signature 7. Proof of identity verification used when the account was opened 8. IP logs, phone logs, online application records, or device data used to establish the account 9. Equipment shipment, installation, or return records 10. Proof this debt was legally assigned, transferred, or sold to Credence Resource Management 11. Complete chain of title from XXXX to Credence 12. Copies of all notices allegedly mailed to me 13. Proof of authority to report this debt to XXXX, XXXX, and XXXX 14. Copies of all data furnished to any credit bureau 15. Copies of all state licenses, registrations, bonds, and legal authority required to collect debt in my state At this time, Credence has placed a derogatory collection account on my report without first providing sufficient proof that this debt belongs to me. If they can not produce the requested documentation, they should not be reporting or collecting this account.

Company response to consumer: Closed with non-monetary relief