vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 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.
State: MS

Complaint narrative:
LVNV Funding, LLC is reporting a collection account on my credit reports, associated with Account No. XXXX. I dispute this debt in its entirety. 

I never received the legally required initial written validation notice from LVNV Funding within five days of their first alleged communication, as required by 15 U.S.C. 1692g ( a ). I only became aware of this alleged debt after reviewing my credit report.

After discovering the accounts on my credit file, I sent two separate written debt validation requests to LVNV Funding. Despite these requests, LVNV Funding failed to provide proper validation of the debt. Their responses consisted only of inadequate bill summaries, which do not establish that : The debt is mine The amount is accurate LVNV Funding has legal authority to collect Under 15 U.S.C. 1692g ( b ), once a consumer disputes a debt in writing, the collector must cease all collection activity, including credit reporting, until proper validation is provided. LVNV Funding continued reporting this account to credit bureaus while my validation requests were pending and unresolved. 

This conduct violates the Fair Debt Collection Practices Act ( FDCPA ) and the CFPB Debt Collection Rule ( 12 CFR Part 1006 ), which requires detailed validation information, including itemization of the debt and identification of the original creditor.

Additionally, LVNV Funding furnished this unvalidated information to XXXX. When I disputed the account with XXXX  and provided documentation of LVNV Fundings validation failures, XXXX  conducted an unreasonably brief investigation and continued reporting the account.

LVNV Fundings actions have caused ongoing harm, including damage to my credit profile, emotional distress, and the risk of denial of credit, housing, or employment.

What I Want the Company to Do to Fix the Problem I am requesting that LVNV Funding, LLC : Immediately cease all collection activity on this account Delete the account from all credit reporting agencies XXXX XXXX XXXX XXXX XXXX  Provide written confirmation that the debt is closed and will not be sold, transferred, or re-reported Comply fully with federal debt collection laws going forward

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
Morning of XX/XX/XXXX an Account takeover occurred hackers changed the password and email on my account to then transfer {$4000.00} out

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
I am filing this complaint against SoFi Bank, N.A. for improper handling of documented fraud, failure to comply with Regulation E, and unjustified account closure.

Unauthorized transactions were made on my account by XXXX XXXX XXXX and XXXX XXXX and XXXX. Both platforms have documented histories of consumer complaints and regulatory scrutiny, including unresolved disputes, withdrawal failures, and deceptive promotional practices. Many consumers report deposits taken without payouts, poor customer service, and unaddressed disputes. ( trustpilot.com, bbb.org ) Upon discovering these transactions, I notified XXXX, disputed all fraudulent charges, filed an identity theft report, and provided a police report. XXXX provisionally credited only XXXX ( XXXX ) Fanatics transactions, but denied all other disputes, including XXXX XXXX charges. No reasonable explanation or investigation was provided for these denials. 

Despite my full cooperation, XXXX then closed my account, blocking access to my funds and preventing further resolution. This action is unacceptable and appears retaliatory after I asserted my rights as a fraud victim. 

XXXX failed to : Properly investigate all unauthorized transactions Provide provisional credit for all disputed charges Explain the basis for denying the remaining disputes Protect my funds while the investigation was ongoing Resolution I am seeking : Immediate reimbursement of all unauthorized XXXX XXXX and Fanatics charges Payment issued by XXXX, check, or direct deposit to my checking account aXXXX XXXX XXXX XXXX XXXX  no later than Friday Written documentation of SoFis investigation findings and explanation for denying the disputes A formal explanation for closing my account despite police and identity theft reports This has caused significant financial harm and distress. I am requesting CFPB assistance to ensure SoFi complies with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
On XX/XX/year> at XXXX am XXXX my checking account # XXXX with AllyBank issued an authorized payment to XXXX credit in the amount of {$900.00}. 

XXXX received payment for XXXX XXXX act number ending in XXXX. Name of account is XXXX XXXX. 

I do not know XXXX XXXX, nor had I entered any XXXX XXXX XXXX info into my Ally Bank list of Payees. 

When I noticed that {$900.00} was missing from my account and sent to XXXX. I immediately contacted Ally and I then spoke with Ally to close the checking account # XXXX. It was closed. The next day when looking at the new account I see that XXXX is listed as XXXX. I never entered this info into the account in the XXXX list. Not sure if someone at Ally did it or if the account was compromised from the outside. 

Again, I contacted Ally and this new account was cancelled as well. 

I know Ally has as history of data privacy problems. What I learned next was that it has a customer service problem as well. I was told by Ally I would need to investigate this and send them information. 

I learned a few days later that Ally determined this was an authorized payment. This letter provided no explanation as to why. 

Now, I am still without my {$900.00}. I have not had an explanation why they won't refund the funds and was told to look into it myself. 

I never thought I would be guilty before I could prove I was innocent. 

I had a reasonable expectation that Ally would monitor transactions on my account to detect possible fraud. They did not do so. I also expected Ally to protect my account if there was fraudulent activity going on. 

Ally failed in all of those. 

How can I get my {$900.00} back? 
Thank You!

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 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
On or around XX/XX/year>, I applied and was approved for an XXXX credit card with a {$700.00} limit. After receiving my card near mid XX/XX/year>, I made a purchase, followed by a payment a few days later to keep my balance at {$0.00}. Prior to the end of the first billing statement, I made another purchase, followed by a payment before the cycle ended. In mid XX/XX/year>, I received email notification that an account closed on my credit report. According to my credit report, XXXX closed my account around XX/XX/year>. I called XXXX to find out the reason. The representative told me I had to wait for the letter in the mail that explains the closure. After receiving the letter about XXXX weeks later, it stated it was closed due to suspicious activity. I immediately called customer service, which told me I a payment of {$1500.00} on a credit card with a {$700.00} limit. They also said it is not a debit card. I asked them why I was not notified if there were any suspicious activity and tried to explain each payment made was paying the balance to {$0.00}. A few days aftewards, I called them again to explain what made my payments suspicious. By this time, thay said my account was closed because I violated the terms and conditions. They begin calling my phone 4 times a day, XXXX - 6 days a week for a payment since then.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had this checking account with Citi bank They closed it and refuse to give the reason why they did I have a balance there of {$3400.00} They tell me I would be receiving this money within 30 days I can not wait 30 days. This is all the money to my name Without this money I can not pay my bills and most likely incur penalties I am XXXX XXXX XXXX man living on low social security income Please help me have Citibank expedite the refund process of my money I

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 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: UT

Complaint narrative:
This filing is a formal CFPB dispute and immediate removal demand regarding the alleged {$3100.00} account that Source Receivables is attempting to collect and report.

I have never opened, authorized, or consented verbally or in writing to any account, obligation, or transaction with Source Receivables. This company is not the original creditor, and I have no contractual or financial relationship with them.

I do not know how Source Receivables obtained my personal information, which indicates that my data was likely bought, sold, transferred, or traded for monetary gain without my knowledge or consent. This raises serious consumer-data misuse and identity-risk concerns.

I dispute this account in full. Despite prior dispute attempts, Source Receivables has failed to provide : an original signed agreement or contract a complete billing ledger or accounting records proof of ownership / chain of assignment proof that I am the responsible party or lawful authorization to report or collect This account is therefore unverified, unauthorized, and not legally enforceable. 

Continuing to furnish or collect on an unvalidated third-party debt is inaccurate, misleading, and harmful under federal consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: UT

Complaint narrative:
On XX/XX/XXXX I attempted for the XXXX time to move money from old cash app account with hardly any transactions on it to new account due to the card number on old account is lost and I have asked to please move money to new account. She was unwilling to help me and said that the system won't let her but I am fully willing to provide any and all verification of my account.... the card has not been used in over 2 years and I had accidentally put money from my personal XXXX account into the old account and not the new one by mistake of what was in my XXXX account. But it is my money and they have never been willing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I opened a new Truist checking account in person at a branch XX/XX/year> after being explicitly told by a branch employee that I qualified for a {$400.00} promotional bonus. The promotion and requirements were explained to me at account opening, and I relied on that information when deciding to open and fund the account. 

I completed all stated requirements for the promotion in good faith. After doing so, the promotional bonus was denied. I was later told that I am ineligible based on residency status, which was not disclosed as a disqualifier at the time of account opening. 

I contacted the branch and Truist multiple times between XXXX and XX/XX/year>. The branch XXXX acknowledged that incorrect information was provided to me at account opening and apologized for the miscommunication. However, Truist refused to apply the promotion, offer a goodwill adjustment, or provide a written determination explaining the denial. 

During this process, Truist provided inconsistent explanations for the denial, including statements related to tax reporting and residency requirements. I requested written policy documentation, escalation to the promotions or compliance team, and a formal resolution. Truist confirmed that no further internal escalation or overturn process exists, that this was the final internal action, and advised me to use chat transcripts as documentation instead of issuing a formal letter. 

My complaint is based on branch misrepresentation and reliance on information provided by a Truist employee at account opening, followed by denial of the advertised promotion after requirements were met and refusal to provide corrective action or formal written resolution. 

I am requesting that Truist review this matter from a compliance perspective and provide appropriate resolution.

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 2025-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Security Credit Services, LLC
State: MA

Complaint narrative:
contacted Security Crecit Services. They had purchased a sect from XXXX XXXX which was identity theft but caused me to go u to bankruptcy. i sent them my police report and XXXX XX/XX/XXXXis still on my credit report reporting it so its illegal for XXXX to be on their as a collection and they just sent me a letter saying they dont have to verify anymore information and if i want to discuss a payment plan. This account was in bankruptcy, theyre breaking the law by trying to ask for a payment and im gon na sue them if they dont delete the collection off my credit report. i enclosed my police report and bankruptcy discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I am submitting this complaint regarding XXXX handling of a fraud dispute that resulted in a {$1500.00} negative balance on my account. 

On XX/XX/XXXX, my boyfriend sent {$1500.00} to my Venmo account so that I could forward it to a seller on Venmo ( XXXX XXXX, XXXX XXXX ). The transaction was later confirmed to be part of a scam involving a hacked XXXX account impersonating a friend of mine. I confirmed directly with my friend that her account had been compromised. 

Within approximately XXXX hours of the transaction, I contacted Venmo to report the fraud. Purchase Protection was enabled. A Venmo customer service agent assured me that I would certainly get my money back. Based on this assurance, I cooperated fully with XXXX investigation and provided all requested information, including a police report that was filed on XX/XX/XXXX. 

While the dispute was under review, my boyfriends bank independently recovered the funds for him. Venmo then placed my account at a negative balance of {$1500.00}, even though I was the victim of fraud and did not receive any goods or services. 

Although I initiated the dispute on XX/XX/XXXX, I did not receive confirmation that a dispute had been opened until XX/XX/XXXX. During that time, I contacted Venmo multiple times to follow up, and I have documentation showing these outreach attempts prior to XXXX acknowledgment of the dispute. 

After approximately 22 days, Venmo denied my dispute, stating that vehicles are not covered under Purchase Protection. This rationale was never mentioned during the investigation and contradicts the extended review period. If the claim was categorically excluded, it should have been denied immediately. 

Venmo also stated that I could request documentation used to make the decision, but when I did so, they failed to provide any documentation and instead repeated the coverage exclusion. 

I believe Venmo : XXXX. Provided misleading assurances XXXX. Failed to protect users from fraudulent accounts XXXX. Improperly shifted financial loss onto a fraud victim XXXX. Failed to act transparently in dispute resolution I am requesting that Venmo remove the negative balance from my account and reconsider their handling of this fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
My mortgage servicer paid homeowners insurance through escrow while I also paid separate homeowners insurance directly, resulting in duplicate coverage for approximately four years. I was not notified of the overlap. I am requesting an escrow review, correction, and reimbursement for overlapping insurance premiums.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I opened an account at VyStar credit union. After several days, they were unable to activate the online access. I replied email to close the account and refund my initial deposit of {$5.00}. I have never received my refund and it appears they never have closed the account. I am unable to close the account. I do not have an account number.

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 2025-12-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Clearview Resolution Services
State: AZ

Complaint narrative:
Clear View XXXX XXXX called me about a debt owed to XXXX XXXX XXXX  XXXX. Threatened me by telling me I would be sued by XXXX XXXX if I did not pay in full today. When I called the number back, they used a spoof Colorado area code when they are based in New York. They also do not identify themselves when answering the phone but just saying hello. They requested I pay over the phone. I asked them several times to send me information about payment options and arrangements and paying online. Im not giving a random company or person my debit card. They have failed to do so. I also never received any notice by mail.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
A loan for approximately {$50000.00} was opened in my name without my authorization. I did not sign the loan documents, and the signature is forged. The contractor who performed solar installation fraudulently executed the financing. 
I notified Service Finance multiple times. They opened and closed three investigations without providing written findings or resolution. The loan was sent to collections despite my fraud dispute. 

I am requesting that Service Finance : Acknowledge the loan as fraudulent Cease all collection activity Remove any credit reporting Confirm in writing that I have no liability I have filed identity theft and fraud reports and am seeking regulatory assistance due to lack of response.

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 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
I am filing a complaint regarding Robinhood Credits application of rewards restrictions on my Robinhood Gold Card.

Robinhood imposed a blanket, forward-looking reduction in rewards on charitable donation transactions by classifying them as cash-like, despite the cards Rewards Terms not explicitly defining charitable donations as cash-equivalent or ineligible purchases. The cited policy language appears to allow discretion on individual transactions, but does not clearly support a prospective, category-wide penalty absent fraud, misuse, or gamingnone of which were alleged or applicable to my account.

When I requested clarification and reconsideration, Robinhood did not provide a specific contractual provision justifying this restriction and instead closed the inquiry by stating feedback would be forwarded internally. 

I am requesting review of whether this restriction is consistent with the disclosed Rewards Terms and whether clearer disclosure or reconsideration is warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Zip Co US Inc.
State: OH

Complaint narrative:
I attempted to purchase a gift card on XXXX XXXX using Zip. The order processed I paid the first installment and I never received the initial email showing the order was successfully placed or the email with the gift card. I contacted Zip multiple times over the last 17 days with no resolution they advised me to contact the customer service phone number for the gift card shop which I did they advised me there was no order placed but that they couldnt send me the transaction history, I emailed them they responded that they were unable to find an order. I attempted and I sent this to Zip to get the issue resolved and the email bounced back. I attempted to speak with an agent and after multiple attempts of explaining that I need a valid email they ended the chat.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: MI

Complaint narrative:
The account was settled and paid in full, {$7900.00}. Any continued negative reporting constitutes an attempt to collect or enforce a debt that is no longer owed and is inaccurate under the Fair Credit Reporting Act ( FCRA ) on my credit report.

Company response to consumer: Closed with explanation