vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CDI Affiliated Services, Inc.
State: ID

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Unexpected fees — 
Company: B9, Inc.
State: GA

Complaint narrative:
On or around XX/XX/year>, I opened an online account with the " B9 '' XXXX app, which has a {$5.00} monthly fee for basic plan. Customers who receive direct deposit ( s ) totalling $ XXXX are exempt from the fee. On XX/XX/XXXX, I was charged a {$5.00} monthly fee indicating it covers the period XX/XX/XXXX- XX/XX/year>. On XX/XX/year>, I received a direct deposit of {$5000.00} from my employer. When I contacted customer support asking for a refund of the {$5.00}, they informed me that this would only exempt my next month 's fee, giving me no option to refund the current month 's fee, despite my qualifying deposit falling within the coverage range, and a promise of a refund from the website 's automatic chat reply ( " you can avoid the monthly fee entirely by depositing {$5000.00} or more within a month. Once you qualify, the fee ( both Basic or Premium ) is refunded to your Rewards account. '' ) See attached screenshot of our conversation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
{$200.00} and {$200.00} and {$200.00} and {$200.00} for a total of {$800.00} charged on my card. I complained in XXXX and it was removed now on XX/XX/XXXX it was put back on my card. IT IS NOT MY CHARGE! At same time charge for XXXX XXXX was put on my card and it was removed after my complaint. I would assume the same person did it so they should be able to find the person by seeing what XXXX XXXX phone bill was paid by that person. It should not take a mental giant to trace it out.

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 2026-04-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I am writing to formally dispute the denial of my {$1500.00} promotional savings bonus. On XX/XX/year>, I opened a Marcus by Goldman Sachs account and met all stated requirements, including maintaining a {$100000.00} balance. On that same day, I confirmed my eligibility via phone with a representative and they said I would be receiving the bonus of {$1500.00} in XXXX days. I also received a confirmation email stating I was enrolled. Despite this, I was informed on XX/XX/XXXX and XX/XX/XXXX that I am ineligible due to a supposed 'enrollment error. ' While the manager, XXXX, acknowledged that their representative provided incorrect information on XX/XX/XXXX ( I had to click on an extra link ), she declined to honor the bonus. Because I acted in good faith based on the companys written and verbal confirmations, I request that the {$1500.00} bonus be credited to my account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I am filing a complaint against Aldous & Associates regarding inaccurate and unverifiable reporting of a collection account on my credit report. This account, originally associated with XXXX XXXX, is currently being reported only on XXXX and does not appear on other credit bureaus, which raises concerns about the accuracy and completeness of the reporting. Additionally, the account lacks sufficient detail and supporting information necessary to verify the validity of the debt. Key account information is incomplete, and no documentation has been provided to confirm that I am legally responsible for this account. As a collection agency, Aldous & Associates is required to provide proper validation of the debt, including documentation supporting the amount owed and proof of their authority to collect. To date, I have not received any such documentation. Under the Fair Credit Reporting Act ( FCRA ), all information must be accurate, complete, and verifiable. Reporting a collection account without proper validation and complete information does not meet these requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$22.00}. Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.

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 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am the provider and business owner of a small health and wellness facility. Between XXXX and XX/XX/year>, a client received services that totaled in the amount of {$4200.00}. He paid for these services in XXXX transactions on his XXXX ending in XXXX. Following the services, the client engaged in unprofessional conduct, asking me out multiple times. Upon learning I had a partner, the client filed a fraudulent dispute with XXXXSquare claiming, as retaliation, services were not rendered. I challenged the dispute, providing signed medical records and proof of service. XXXXSquare upheld the chargeback without performing a proper investigation even though substantial documentation and proof of services were provided. I have filed a police report with the XXXX XXXX Police Department, tracking No. XXXX for Theft of Services. This is an unfair chargeback practice enabling client fraud. I request that the dispute be reopened, the evidence re-reviewed, and the {$4200.00} credited back to my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: Certegy Holdings, LLC
State: UT

Complaint narrative:
When attempting to cash a check with Certegy, i was offered both over-the-phone and mailed reasoning for a declined check or flag when trying to request both, i was told i could not have that report over the phone after giving my personal information and then when requesting it be mailed, they said they could not mail it for privacy reasons despite both their forms and the automated system said both would be available. My check was declined around XXXXXXXX XXXX XX/XX/year>. I have not used their system prior to this and have never had issues cashing a check from XXXX/ my employer through other means. Their business was misleading as to how i can request my information and do not offer means to allow me to contest the flagging/resolve the issues with my information that lead to the decline of services.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: Kriya Capital, LLC
State: KY

Complaint narrative:
Dear CRM I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
Contacting me repeatedly. I am at work and can not use my phone. Have contacted multiple family members that live in different states.

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 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I disputed a transaction dated XX/XX/XXXX for {$22.00} on XX/XX/XXXX. Merchant had agreed to refund my money and I hadn't received the refund. I received a provisional credit over a month after filing the dispute, while dispute was still under investigation. My dispute was denied on XX/XX/XXXX and provisional credit was reversed. I filed a rebuttal to the original dispute on XX/XX/XXXX and case was reopened under the same case number + RL and exact reference. I was informed twice by Chime that I would once again receive the provisional credit approximately XXXX days later on the XXXX th of XXXX but it did not ever come. Chime then stated that the provisional credit would be on the XXXX and it still never came. Again the next time I spoke with an agent for time after this I was told I am not eligible for a provisional credit because the dispute had been filed over XXXX days past the original transaction date regardless of the fact that this is a rebuttal to the original dispute that was filed timely. I have called XXXX times since and the first agent said he was contacting the proper department that I would be contacted in XXXX days he actually reviewed recordings to confirm I was told I would receive provisional credit on the XXXX and the XXXX and included this notation in these communications with that department but I never received any call and nothing has been credited to my account still the last XXXX calls that I have made they have adamantly refused any provisional credit to me based on the on the basis of the rebuttal being filed after XXXX days past the transaction even though it was rebuttaled the same day dispute was denied and the provisional credit reversed. I even spoke with a manager, XXXX, who stated exactly this. I have requested the reason for the initial dispute being denied and told they do not have an answer and supposedly will be emailing me the results of their investigation within the next XXXX days but we will see if I ever receive that as I have been informed I will not be receiving a provisional credit and will have to wait until XXXX for them to finish their investigation. I believe this is a violation of regulation e being as how they're investigation of my dispute has taken much longer than XXXX days therefore a provisional credit should have been provided within the first XXXX days which they they never even claim to abide within the time frame nor have they ever done so because when I did receive the provisional credit it was past the XXXX days after they reversed it and I rebutted the provisional credit is now being refused all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App regarding their handling of a fraudulent, unauthorized transaction made using my stolen physical debit card. The transaction was made on XX/XX/XXXX for the total of {$110.00} and could not be disputed at the time of my original phone call since the transaction was pending. The transaction in question was not authorized by me. My card had been stolen, and I reported the fraud promptly. Despite this, Cash App denied my claim in less than XXXX hours without conducting what appears to be a reasonable or thorough investigation. Cash App did not provide any actual evidence supporting their determination. When I requested documentation or details explaining how they concluded the transaction was authorized, they failed to supply any transaction-specific proof ( such as IP address, device data, location verification, or authentication logs ). Instead, Cash App responded by stating the transaction was authorized and cited prior transactions on my account as evidence of normal activity. However, this reasoning is flawed and contradictory, as those same prior transactions were already identified and acknowledged as fraudulent on XX/XX/year>. Using previously disputed and fraudulent transactions as justification to deny a new claim demonstrates a failure to properly investigate and a disregard for the facts of my case. I believe Cash App has violated its obligation under federal consumer protection laws, including the Electronic Fund Transfer Act ( Regulation E ), which requires a good-faith, reasonable investigation of reported unauthorized transactions. View the screenshot for a list of fraudulent transactions which has already been refunded and the claim was approved due to fraudulent activity. I am requesting that Cash App : 1. Reopen and conduct a proper investigation into this unauthorized transaction 2. Provide all evidence used in their determination, including technical and transactional data 3. Reimburse the full amount of the unauthorized transaction 4. Clarify their investigation procedures and explain how prior fraudulent transactions were used as justification for denial Cash Apps handling of my claim has been inadequate, inconsistent, and lacking transparency. I am seeking CFPB assistance to ensure a fair resolution. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am filing a complaint regarding a delayed lien release and vehicle title processing after full payoff of my auto loan with Chase Bank. My payoff check was received and confirmed by Chase on XX/XX/year>. As of today ( XX/XX/year> ), more than XXXX weeks have passed, and Chase has not completed the lien release or provided the vehicle title. I have contacted Chase multiple times. Representatives confirmed receipt of funds but have not provided a clear timeline, confirmation of lien release submission to XXXX, or any expedited resolution. My most recent attempt to escalate the issue resulted in being transferred to a voicemail without response. This delay is causing me financial harm and preventing me from exercising full ownership rights over my vehicle. Given that payment has been completed and acknowledged, I expect timely processing of the lien release.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Recently received summons to just pay XXXX XXXX XXXX. Deputy of the sheriff department accepted the case. Maybe abuse related some where. Have had unwarranted harassment since XXXX. LVNV filed with court claims owe a debt under XXXX XXXX XXXX. No contact either sources. No debt exists at XXXX XXXX XXXX. No account ever existed with XXXX XXXX XXXX. Contact to XXXX XXXX XXXX difficult. No account numbers. LVNV on court documentation shows no debt validated or account numbers. I sent a email to LVNV and no reply. I responded to the document that the debt is false. No reply from the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: FL

Complaint narrative:
I am disputing a {$500.00} collection account being reported by TrueAccord. The original creditor ( XXXX ) - ticket number XXXX has confirmed there is no balance, no account in my name and that the equipment was returned, XXXX of XXXX. Despite this, TrueAccord verified the account less than XXXX hours after i disputed with CRA without proper investigation. This appears to be a mixed file or incorrect assignment, possibly related to a family member. This inaccurate reporting is harming my ability to obtain a mortgage, and i am requesting immediate deletion of this account from all credit bureaus.

Company response to consumer: Closed with explanation