vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XX/XX/XXXX Subject : Request for Debt Validation Pursuant to FDCPA and Legal Precedent ( XXXX v. PRA, LLC ) To Whom It May Concern, I am writing in response to your claim and collection attempts regarding an alleged debt. This letter serves as a formal request for debt validation as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). According to federal law, I am entitled to request the following information : 1. The amount of the alleged debt.

2. The name of the original creditor.

3. A detailed accounting and breakdown of how the alleged amount was calculated.

4. A copy of the original contract or agreement bearing my signature, showing I have a legal obligation to pay ; 5. Proof that your agency is authorized to collect debt in my state ( include license number if applicable ) ; 6. Has there been any insurance claim filed on this debt?

7. A complete chain of title of the alleged debt from the original creditor to your agency.

This request is made in accordance with the FDCPA, 15 U.S. Code 1692g ( b ), which requires that a debt collector cease collection activity until the requested validation is provided. I was a victim of Fraud Theft. Please provide the required information in order to authenticate the bill belongs to me. Any attempt to collect, report, or transfer the alleged debt without proper validation will be considered a violation of the FDCPA and will be reported to the Federal Trade Commission ( FTC ) and Consumer Financial Protection Bureau ( CFPB ). Furthermore, in the case of XXXX v. Portfolio Recovery Associates , LLC ( Case No. 4:13-cv-01651, E.D. Mo. 2014 ), the court ruled that a mere listing of a debt without supporting documentation is insufficient to constitute proper validation. The decision reinforces the consumers right to receive full and accurate proof of the debt before any further collection efforts. Please be advised of the following : I dispute the validity of the alleged debt in its entirety. You must not report this debt to any credit bureau during this dispute process. If you have already reported this debt, you are required under 15 U.S.C. 1692e ( 8 ) to inform the credit bureaus that it is being disputed. Failure to comply with this request within 10 days will be taken as your formal withdrawal of the claim and any further collection activity will be considered a violation of federal law. I recommend that all future communications be made in writing. Please send all documentation to the address listed above. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
I am submitting this complaint regarding an unauthorized transaction involving XXXX and XXXX XXXX, and the inadequate handling of my dispute. 

On XX/XX/year>, an unauthorized transaction in the amount of {$940.00} was processed through XXXX via XXXX XXXX without my consent or authorization. I did not approve, initiate, or benefit from this transaction. As soon as I became aware of the charge, I promptly reported it and filed a dispute. 

Despite submitting the dispute in a timely manner, the resolution process has been extremely slow and unclear. I have not received a satisfactory explanation, provisional credit, or clear communication regarding the investigation. I am being asked to wait indefinitely while my funds remain inaccessible, which is causing financial hardship and distress. 

As a consumer, I expect financial service providers to have adequate fraud prevention measures and a fair, transparent dispute resolution process. XXXX and/or XXXX XXXX failed to protect my account and have not taken appropriate responsibility in resolving this unauthorized charge

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Have recived multiple robo calls multiple times per day. Have called back on the number they requested to do so on. They state that my phone number is not associated with any accout and have refused to remove my number from there outbound calls

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 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Affirm Holdings, Inc
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Ma, XXXX Date : XX/XX/year> Affirm Inc XXXX XXXX XXXX, XXXX XXXX, California, XXXX Account Number XXXX To Whom It May Concern, This letter serves as a formal follow-up to my previous Debt Validation Request and Cease-and-Desist Notice regarding the above-referenced account.

Despite my lawful request made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, your agency has failed to provide proper legal validation of the alleged debt.

Instead, you provided a generic billing summary or statement balance, which does NOT constitute proof of debt ownership or legal authority to collect.

Your failure to provide the following constitutes noncompliance : XXXX. A copy of the original signed contract or agreement bearing my signature XXXX. A complete chain of title, including all assignments and transfers of the alleged debt XXXX. A bill of sale or purchase agreement proving legal ownership of the debt XXXX. Proof of licensing and authorization to collect debt in my state XXXX. Surety bond information, if required by law in your jurisdiction A billing summary alone is not validation. Continued reporting of this unverifiable debt to consumer reporting agencies constitutes the furnishing of inaccurate and incomplete information, in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

Additionally, continued collection activity without proper validation violates the FDCPA, including but not limited to : 15 U.S.C. 1692e False or misleading representations 15 U.S.C. 1692f Unfair or unconscionable practices 15 U.S.C. 1692g Failure to validate debt If this account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within 15 calendar days of receipt of this notice, I will proceed with all available legal remedies.

This includes filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, as well as pursuing civil litigation under 15 U.S.C. 1681n and 1692k, including statutory damages, legal fees, and court costs.

This is your final opportunity to resolve this matter amicably. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: FinCo Services Inc DBA Current
State: IL

Complaint narrative:
I had a teen account with current mobile banking my direct deposit had been going to this said account for months. For some reason without my knowledge they closed the teen account that was connected to a credit building account I had just made with them. The said since my direct deposit went to the closed teen account and it was closed the funds went to my cousins account which is the parent account of the teen account they closed. The deposit happened XX/XX/year>. I have been calling the company trying to figure out where my money is since then. Today is now XX/XX/year>. They claim me and my cousin have to wait for an email from their higher operations team but we never got one and the time frame given to us was XXXX hours its been over XXXX hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CNG FINANCIAL CORPORATION
State: NJ

Complaint narrative:
b"I got a call from XXXX XXXX XXXX court stating they will have a summons from XXXX\nand XXXX. I reached Kane and goodman and they stated I have a loan from XXXX loan XXXX from check n'\ngo. I have reviewed my documents and see no history of a loan from this company. I called XXXX  and XXXX  at XXXX XXXX. I have officially made a fraud dispute on check n go website which is attached. Further they do not serve the\nstate of New Jersey so getting a loan from them would not be possible. XXXX XXXX stated case number is XXXX. I have yet to be served by anyone. However they have threaten to serve me at my place of work which would\nbe an issue. I have never got a email, mail, or call about any loan or debt until a notification from the court.\n\nI have made a submission with my local police department mount laurel as well. Citizen Report Submit Date : XXXX  Citizen Report ID: XXXX"

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/year> {$1500.00} was deposited into my account the evening when I was trying to check my bank account I could not get access it was saying that my account was $ XXXX called the Huntington bank and notified the bank. The representative said there is no information money was deposited which I have receipt I said the information is incorrect XXXX I believe is her name XXXX of the customer service representative very rude and unfriendly accusing me of telling me thats what my account is and refuse to provide any information on my account. I called the following day and asked to speak with a supervisor Ive been transferred to several people and each one I transferred to refuse to provide me with any information but to say your account is closed. But it deposited was made from my workplace to the account while theyve said it was closed and I could not access it. When I check with my account via a phone call, it says that the account is in a positive and no longer negative all this time Im asking for the reason of closing my account. XXXX representative says I am too risky which I found discriminatory to date I have bills to pay, and Im still can not access my account or to have my money at least taken from my account. Huntington bank has been saying different mixed information from each individuals. However, my account is a positive and I forget to have an itemize as to why they lock me out from my account I will take this further.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Unity Asset Management
State: MS

Complaint narrative:
They call me daily from multiple numbers. They called me 3 times today back to back to back.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2026-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SOFI TECHNOLOGIES, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX, I made a purchase of {$100.00} from XXXX XXXXXXXX XXXXXXXX using my SoFi debit card. The package was never delivered. On XX/XX/XXXX, XXXX confirmed in writing that the package was lost and promised a refund. I followed up multiple times requesting the refund and updates, but the merchant largely did not respond. 

On XX/XX/XXXX, XXXX responded that a refund had been initiated on XX/XX/XXXX, but it could not be finalized because a dispute had been filed on my account. They stated no refunds could be issued until the dispute was resolved. 

On XX/XX/XXXX, I filed a debit card dispute with SoFi for merchandise not received and refund not processed, providing documentation of the lost package and XXXX refund promise. On XX/XX/XXXX, SoFi denied the dispute, stating no error occurred, without addressing the fact that the goods were never received and that the merchant acknowledged the loss but failed to finalize the refund. 

I am seeking a refund of {$100.00}. I have attempted to resolve this with the merchant directly, but they have not issued the refund. I request that SoFi properly review this dispute under Regulation E and issue the appropriate credit to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
My purse was stolen and amongst items included my American # xpress travelers check was in my purse I've yet to receive any of my belongings nlback. All gone

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am filing this complaint regarding Bank of Americas denial of my debit card dispute related to a XXXX XXXX transaction in the amount of {$2500.00}. 

I paid for elective/cosmetic services using my Bank of America debit card. After payment but before any treatment was provided, my primary care physician medically advised me against proceeding with any elective or cosmetic procedures due to uncontrolled XXXX and increased risk of impaired healing and XXXX. 

As a result, the XXXX services were never rendered and could not be safely provided. 

Under the Electronic Fund Transfer Act and Regulation E, financial institutions are required to conduct a reasonable investigation of debit card disputes and may not deny claims solely based on merchant assertions. Despite receiving medical documentation establishing that the services were not rendered due to medical necessity, Bank of America denied my dispute
based primarily on documentation provided by the merchant, without properly evaluating whether the services were actually received.

This represents a failure to conduct a reasonable investigation as required under Regulation E.

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 2026-02-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: PA

Complaint narrative:
Cashapp closed my account saying there was suspicious activity when all I use cashapp for is for sending money and paying bills or transportation. I have {$200.00} on there, and they wont let me link my debit card nor bank account to withdraw my money. Ive called and called, filed appeals, and they email me and tell me the same thing over and over. That was my birthday money I received from my mother and sister and havent had access to it since the XXXX of XXXX. This is unfair and frustrating i just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I am disputing a fraudulent {$250.00} XXXXsmoking fee ' as welll as {$40.00} incidental hold from the XXXX XXXX XXXX I have been a loyal, weekly guest at this property for over 5 years without any issues. I am a non-smoker.This dispute has been open for 42 days ( since XX/XX/XXXX ). Venmo has missed my final resolution deadline of XXXX XXXX merchant has failed to provide any timestamped photos, sensor logs, or incident reports in over 40 days.In a chat on XX/XX/XXXX, a Venmo agent admitted : ' I can see it's been quite some time since your last update on XX/XX/XXXX. 
Venmo is holding my funds indefinitely without requiring the merchant to provide proof of the charge. I request an immediate reversal of the {$250.00} smoking fee as well as the {$40.00} incidental hold.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
On XX/XX/year>, I submitted a letter to Wells Fargo Bank , N.A . requesting : 1. Wells Fargo Bank , N.A . close the Wells Fargo XXXX XXXX XXXX Credit Card Account. 
2. Wells Fargo Bank , N.A . report the Wells Fargo XXXX XXXX XXXX Credit Card Account closure to all credit bureaus with the comment, Account closed at consumers request. 
3. Wells Fargo Bank , N.A . send a letter to me confirming that the Wells Fargo XXXX XXXX XXXX Credit Card Account has been closed at my request. 

As of the date of this writing, XX/XX/year>, 89 days having elapsed, the Wells Fargo XXXX XXXX XXXX Credit Card Account has a XXXX balance and I have received no letter from Wells Fargo Bank , N.A . confirming that the Wells Fargo XXXX XXXX XXXX Credit Card Account has been closed at my request.

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 2026-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a consumer disputing inaccurate and unverifiable information being reported by TransUnion. The items listed below are negatively impacting my credit profile and have not been properly verified. Under the Fair Credit Reporting Act ( FCRA ), TransUnion is required to ensure that all reported information is accurate, complete, and verifiable. 

XXXX Accounts in Dispute XXXX XXXX  Account XXXX. XXXX * * | Date Opened : XX/XX/XXXX | Balance : {$880.00} XXXX XXXX Account No. XXXX * * * * * * * * | Date Opened : XX/XX/XXXX | Balance : {$390.00} XXXX XXXX XXXX Account No. XXXX * * * * * | Date Opened : XX/XX/XXXX | Balance : {$10000.00} Unauthorized / Unverified Inquiries in Dispute COAF XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF OR XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was scammed XX/XX/year>, called my bank to report this and they opened a claim. The scam transaction was pending, which I believe they could have stopped. I called as soon as I realized the call was not my bank to report that the transaction needed to be stopped. They opened a claim and told me it could take up to 10 business days. They called this morning and told me that there was no sign of fraud. I filed a appeal with them via fax this morning XX/XX/year>. 
The scammers took out a loan with my Wells Fargo credit card had that added to my checking account. Moved my almost all of my savings to checking and did a transfer to another account which they said they were opening for me. Since my accounts were all compromised.

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