vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Timeline and Details of Events : Beginning in XX/XX/year>, I began receiving multiple communication attempts ( phone calls ) from this agency regarding an alleged debt in the amount of approximately {$640.00}. During these communications, I explicitly stated that I dispute this debt in its entirety. On several occasions during these calls, I verbally requested that the agency provide proper debt validation before continuing their collection efforts. I specifically requested that they provide : Proof of ownership of the debt. The Bill of Sale. The Transfer of Assignment. The Flow Agreement. Despite my clear and repeated requests for this documentation to prove their legal standing to collect, the agency ignored my requests and failed to send any of the specified validation documents. While this debt was actively disputed and unvalidated, the agency proceeded to furnish negative information regarding this account to my consumer credit reports. By ignoring my request for validation and subsequently reporting this item to the credit bureaus while the debt was in dispute, the agency has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/year> LVNV Funding LLC P.O. XXXX XXXX XXXX, SC XXXX RE : FORMAL DISPUTE & DEMAND FOR DEBT VALIDATION ACCOUNT # : XXXX To Whom It May Concern, This letter serves as a formal dispute and demand for validation of the above-referenced account pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act and 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act.

I dispute the accuracy, ownership, and legal enforceability of this alleged debt. I am requesting strict proof, not summaries, screenshots, affidavits, or internal account notes. 

To comply with federal law, you must provide ALL of the following documentation : 1. The assignment contract or full chain of assignment, including every transfer of ownership from the original creditor to your company.

2. A bill of sale from the original creditor that specifically identifies my account by name and account number.

3. Account-level documentation, including the original signed contract or agreement, billing statements, and charge-off details establishing my legal obligation.

4. Proof of your licensing and bonding authorizing your company to collect consumer debts in the Commonwealth of Pennsylvania.

5. A complete breakdown of how the alleged balance was calculated, including principal, interest, fees, and the contractual authority for each amount.

Be advised that under 15 U.S.C. 1692g ( b ), you are required to cease all collection activity until proper validation is provided. Courts have consistently held that credit reporting and verification constitute collection activity. 

Further, continuing to furnish or verify this account with any consumer reporting agency without producing the documentation listed above constitutes a failure to conduct a reasonable investigation under 15 U.S.C. 1681s-2 ( b ).

If you are unable to provide all five validation elements, you are required to immediately request deletion of this account from Experian, Equifax, and TransUnion.

Failure to comply will be considered willful noncompliance, subjecting your company to civil liability, statutory damages, attorneys fees, and costs under 15 U.S.C. 1692k and 1681n. 

This letter is sent without prejudice and all rights are reserved. 

WITHOUT PREJUDICE XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I made an account with Huntington on XX/XX/XXXX. I loaded my check from XXXX XXXX from Louisiana. It was approved the next couple of days. Then I wasn't able to login into the XXXX account. I called and asked why they told me they couldn't tell me. Then I went up there to the bank in XXXX, Ohio. I spoke to a banker and he said he didn't know but they had to close my account because they couldn't identify me and my check. I had to wait for XXXX to confirm my check but they were going to close my account. I could not login into my account at all. But on XX/XX/XXXX, money was deposited into the bank so I went to get it but was denied for it due to closing my account despite it says it was in there and i verified who I was with mobile id from Louisiana. They refuse to give me my money and that my account was close. They claimed to return my check which I haven't received at all. Once I asked did they keep my check so they can make money off of the interest and the worker said yes but they did not give me my XXXX .I just received a letter from XX/XX/XXXX now saying my bank was just closed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Thaxton Investment Corporation
State: IL

Complaint narrative:
heights finance said they update my information showing paid off and if it comes up on my credit report contact them i did no responed violation 623 ( 2 ) ( 2 ) of the fair credit reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I am disputing inaccurate information reported to my credit report by a financial institution regarding a late payment entry for XX/XX/XXXX. I have no records or evidence supporting this late payment, and no specific amount was identified in the reporting. I sent a formal dispute letter to the creditor on XX/XX/XXXX, requesting an investigation under the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and XXXX XXXX compliance standards. In the letter, I asked for proof of the late payment or for the entry to be updated to " paid as agreed, never late. '' I also highlighted concerns about the potential use of generic form responses to disputes, which may violate 15 U.S.C. 1681i by not addressing disputes individually. To date, the creditor has not provided proof, conducted a proper investigation, or updated the information, and any response received appears to be a standardized form letter rather than a substantive review. I request that the CFPB reinvestigate this matter, verify the accuracy and completeness of the reported information, and ensure compliance with all relevant consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: OR

Complaint narrative:
My XXXX policy ended on XX/XX/XXXX. XXXX 's renewal offer was pathetic and I found other, better, cheaper coverage from another carrier. 
I continued to receive renewal e-mails, policy cancellation notices and warnings and communications from XXXX and did not respond. 

Today, XX/XX/XXXX, I received a collections notice from a debt agency notifying me of their attempt to collect a debt of {$58.00}. Apparently, XXXX kept my policy active or reactivated it from XX/XX/XXXX until XX/XX/XXXX before they decided of their own volition to cancel it. My policy, coverage and business with them fully ended on XX/XX/XXXX. 
Renewing a policy without the holder 's request or signature is their own business, but attempting to bill the customer for it and then sending an unrequested coverage amount to collections is downright fraudulent and attempted theft. This is likely a systematic approach for them. I'm under no obligation to notify them when I buy other insurance, nor respond to their interminable solicitations, but they seem to think they can just force coverage and billing on ex-customers. 
I hope that CFPB fully investigates this as a systematic practice and attempted fraud by XXXX for other policies that have been cancelled and reinstated without the consumer 's request, visilbity, or authorization, and then compounding the damage and burden to consumers, send the illegal debt to collections damaging the consumer 's credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: YSA ARM LLC DBA Oxygen XL
State: NY

Complaint narrative:
I went to eviction court and reached a stipulation that {$5000.00} in late fees would be removed if I vacated the property. Oxygen XL is refusing to remove the late fees and correct the balance despite the management company telling them several times in an email to change the balance. The manager has intentionally place a high balance on my credit report cause me immediate harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: CA

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, I was the victim of a sophisticated XXXX investment scam that resulted in the loss of approximately USD XXXX XXXX in digital assets. The scam induced me to transfer XXXX  through my consumer account at Payward XXXX XXXX, XXXX XXXX ( XXXX ), a U.S.-based XXXX exchange that provides consumer-facing payment and transfer services. Over this period, substantial amounts of XXXX were transferred from my XXXX account to external wallet addresses associated with the fraudulent scheme. The transaction activity exhibited multiple characteristics consistent with known consumer scam typologies, including rapid and repeated high-value transfers, transfers to newly created or high-risk wallet addresses, aggregation of large sums, and ultimate loss of consumer control over the assets. Despite these indicators, the transactions were processed through XXXX platform, resulting in significant consumer financial harm. On or around XX/XX/year>, XXXX restricted or closed my account, which coincided with the collapse of the fraudulent scheme and blocked withdrawal attempts. This action occurred only after the majority of funds had already been transferred. I am not alleging intentional misconduct by XXXX. Rather, I am requesting CFPB review of whether XXXX consumer-facing payment and transfer services included adequate safeguards, monitoring, warnings, and intervention measures to protect consumers from reasonably identifiable scam activity, and whether XXXX response was timely and appropriate given the scale and pattern of the transactions. I have preserved extensive documentation, including XXXX transaction records, wallet addresses and transaction hashes, communications associated with the fraudulent scheme, and records relating to the account restriction. I am prepared to provide this information upon request. Complaints relating to this matter have also been submitted to federal regulators and law enforcement to support broader analysis of scam-related activity and consumer harm. I respectfully request CFPB review of this matter and any action it deems appropriate to address potential unfair, deceptive, or abusive practices and to prevent similar harm to other consumers.

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 2026-01-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverifiable information this company is reporting to the credit bureaus under the account referenced above. 

I previously disputed this account directly with the credit reporting agencies. Despite my dispute, the company continues to report information that appears to be inaccurate, incomplete, and not properly verified. 

To date, the company has failed to provide documentation sufficient to validate the accuracy of this account, including a complete payment history, the original contract or agreement bearing my signature, and documentation establishing the companys legal authority to report this account. 

Reporting unverifiable or incomplete information violates the Fair Credit Reporting Acts requirement that furnishers ensure maximum possible accuracy. Without proper validation, the continued reporting of this account is misleading and harmful. 

I am requesting that this matter be fully investigated and that the account be corrected or removed from my credit reports if it can not be verified as accurate and complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PLS GROUP, INC
State: CA

Complaint narrative:
On XX/XX/2026 at XXXX XXXX. I deposited cash in the amount of {$530.00} at a PLS Check Cashers location to load funds onto my XXXX debit card/account. The PLS employee processed the transaction and indicated it was completed, and I was provided a receipt. 

However, the funds never appeared in my XXXX account. I contacted XXXX, and they advised that they do not see the deposit and need the transaction details from PLS to trace it. 

I attempted to contact PLS Check Cashers multiple times by phone and returned to the location, but they have been unresponsive and unwilling to resolve the issue or provide adequate assistance. PLS continues to claim the transaction was completed but has not ensured that my funds were properly delivered or reversed. 

As a result, my cash has effectively gone missing, and I am without access to my money. I believe this is a failure in handling a cash deposit transaction and a lack of proper customer support. 

I am requesting that this matter be investigated and that PLS Check Cashers either locate and transmit the missing funds to my XXXX account or issue a full refund of the cash deposit. 

I have supporting documentation, including the receipt, and am prepared to provide it upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Timeline and Details of Events : Beginning in XX/XX/year>, I began receiving multiple communication attempts ( phone calls ) from this agency regarding an alleged debt in the amount of approximately {$440.00}. During these communications, I explicitly stated that I dispute this debt in its entirety. On several occasions during these calls, I verbally requested that the agency provide proper debt validation before continuing their collection efforts. I specifically requested that they provide : Proof of ownership of the debt. The XXXX XXXX XXXX. The Transfer of Assignment. The XXXX XXXX. Despite my clear and repeated requests for this documentation to prove their legal standing to collect, the agency ignored my requests and failed to send any of the specified validation documents. While this debt was actively disputed and unvalidated, the agency proceeded to furnish negative information regarding this account to my consumer credit reports. By ignoring my request for validation and subsequently reporting this item to the credit bureaus while the debt was in dispute, the agency has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I am complaining about American Express 's denial of my dispute for fraudulent charges from a deceptive XXXX e-commerce program run by XXXX XXXX XXXX via XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The program falsely promised passive monthly income ( {$2500.00} $ XXXX ) from automated XXXX XXXX XXXX, with a money-back guarantee if not profitable in XXXX  months. I received no stores, no profits, and no refund. 
Key facts and timeline : I have been charged well over {$30000.00} for various different things regarding " the business '' starting in XX/XX/XXXX all the way to XXXX on my Amex card for fees and inventory. 
Filed formal fraud dispute with Amex, provided details on deception and lack of value. 
Amex acknowledged dispute, issued temporary credit/hold. 
Amex denied dispute, reversed credit, claimed charges not fraudulent. 
Submitted appeal via Amex secure Document Upload Center with evidence, including my XXXX XXXX XXXX XXXX XXXX  contacts. 
On XX/XX/XXXX, XXXX XXXX XXXX XXXX entered a stipulated judgment against XXXX XXXX XXXX and his companies ( including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After a multi-year investigation, it confirms he scammed over XXXX consumers out of ~ {$7.00} XXXX ( XXXX ) with the same false promises of automated, profitable XXXX stores none delivered profitably, no refunds given despite guarantees, unauthorized charges common, and funds misused ( e.g., for crypto/personal debts ). XXXX admitted violations of Utah 's Consumer Sales Practices Act and Business Opportunity Disclosure Act ; he faces a {$7.00} XXXX judgment ( partial stay if compliant ), plus a permanent Utah ban from money-making schemes, telemarketing, or business opportunities. 
As of XX/XX/XXXX, Amex has not reversed the denial or refunded the charges, despite this official court proof of widespread fraud matching my case. 

I tried resolving directly with Amex via dispute, documents, and appeal no success. Request CFPB assistance for full refund of disputed charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
I am filing this complaint regarding improper debt collection practices by National Credit Systems , Inc. XXXX XXXX XXXX 

The alleged debt originates from XXXX XXXX XXXX XXXX XXXX XXXX. I formally disputed the charges with the original creditor before the account was referred to collections, and the dispute remains unresolved. 

I made a {$700.00} payment in good faith to the original creditor while expressly maintaining my dispute. I did not agree to the remaining balance of {$210.00}, which I continue to dispute. 
After disputing the debt with XXXX, I received a response stating that they investigated my dispute but relied solely on information provided by their client. They did not provide proper validation such as invoices, proof the charges are attributable to me, or documentation resolving the disputed items. Instead, they directed me to upload documents to their website portal. 

I have also been in direct communication with XXXX XXXX XXXX XXXX XXXX, who confirmed in writing that the account is disputed and that no credit reporting is currently occurring. 
The underlying dispute involves charges I did not cause and unresolved habitability issues, including a dangerous electrical condition that remained unaddressed for over XXXX months despite written service requests. These records are in the possession of the original creditor. 

I am requesting that National Credit Systems cease collection activity until proper validation is provided, confirm that no credit reporting has occurred or will occur while the dispute remains unresolved, and correct their records to reflect that the debt is disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This follows my closed CFPB complaint XXXX XXXXXXXX. 
Chase rejected my {$10000.00} wire to a XXXX title company XXXX times today ( XX/XX/year> ) for a property closing deposit. 
XXXX reps told me to wait XXXX minutes and resendboth failed. 
A supervisor admitted the misinformation but refused to override, saying no one will override. 
Result : contract canceled today due to non-delivery, causing me financial damage. 
Demand : at least {$750.00} compensation ( as previously requested ) plus additional damages for the cancellation. 
All proof available ( screenshots, purchase agreement, title instructions ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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:
As a federally protected consumer, I have the right to privacy, accuracy, and fair handling of my personal information under the Fair Credit Reporting Act ( FCRA ). My data must be maintained with confidentiality, and any information reported about me must be accurate, complete, and verifiable. 

I am formally disputing the items referenced in my attached documents. These entries are inaccurate, misleading, and not supported by proper verification, which places them in violation of FCRA 602 ( a ), 607 ( b ), and 611. Reporting information that can not be verified or substantiated is unlawful and harmful to my character, financial reputation, and consumer rights. 

I am specifically requesting : Deletion of all accounts and entries that are unauthorized, inaccurate, or unverifiable. 

Correction or removal of all late payment notations that are misleading or not supported by documented proof. 

A full explanation of the method of verification used for each disputed item. 

If any furnisher of information can not provide documented, original evidence substantiating these late payments or negative entries, the information must be removed as required by federal law. 

I have enclosed all supporting documents, including an invoice for damages resulting from inaccurate reporting. I expect a response and completed investigation within the timeframe required under FCRA 611. 

Thank you for your prompt attention to this matter. 

THESE ITEMS MUST BE DELETED/UPDATED/CORRECTED WITHIN XXXX  DAYS ACCORDING TO XXXX  LAW!

Company response to consumer: Closed with non-monetary relief