vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: MD

Complaint narrative:
On XX/XX/year>, I submitted a written dispute by email to XXXX within 30 days of receiving the initial collection notice dated XX/XX/year>. The notice explicitly states that disputes may be submitted electronically. 

In my dispute, I requested full validation of the debt, including itemized billing, service dates, and proof of authorization. I have not received any validation or response. 

Despite my timely dispute, the account has been reported to the credit bureaus and is not marked as disputed. 

Reporting a debt without noting it is disputed after a timely validation request is improper. I request that this account be deleted from all credit reporting agencies and written confirmation of deletion be provided.

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 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: IL

Complaint narrative:
Cash App close my account. All the information they ask of me was given. I was told fraud or something to that matter they was trying say it wasnt me. Really couldnt explain why they closed my account and they did not open it back up. Kept giving me problems about it. I complained about it to them over XXXX times.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Wanted XXXX point promo. Paid everything on time and never received points and called numerous times to get this settled and nothing is happening

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 2026-02-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: PA

Complaint narrative:
So I have tried to dispute several transactions and cashapp told me I had to contact the bank to receive a refund or they couldnt do nothing about it and when I escalated same thing determined denied there was nobody to talk to and I never could talk to customer support but on the app and they have a settlement agreement out for it and I emailed them how they said and they responded saying they will be getting back to us in months with updates and nothing else no specific details I have uploaded a transaction for reference with data and times and the response thats the one I could find right away but I could only imagine how many more I have

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: SC

Complaint narrative:
recieved a giftcard for christmas. try to activate it online but was told im XXXX  the XXXX and using vpn. im in SC and using local ip company. call to activate the card XXXX  XXXX. so i had to email them my name address photo of the card, package and receipt. was told i would recieve a check but never recieved. call XXXX  time about and told XXXX it was mailed. never was. the postal office send me a picture of all my mail that are sent to me. they some how erased my case and fill it under my XXXX. we have diiferent card, mailing address and email. i tell didn't XXXX  no check and activation of card since christmas of XXXX XXXX out locked out my card and cash and this seem as normal practice with this company after a quick google reserches of XXXX of the same thing happen to other people who purchase this card. they just want people to purchase the card, lock them out of their cash and you give up on your money way they can keep it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 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: FL

Complaint narrative:
XXXX XXXX XXXX. XXXX XXXX XXXX, Florida XXXX XX/XX/year> LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX Subject : Request for Debt Validation Dear LVNV FUNDING LLC, I am writing in response to your phone call received on XX/XX/year>, regarding a debt you claim that I owe. Please be advised that this is a request for debt validation as provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c.

I request that you provide the following information : 1. The name and address of the original creditor.

2. The amount of the alleged debt, including an itemization of any fees or interest added.

3. A copy of the original signed agreement or other documentation showing I agreed to assume this debt.

4. Proof that you are authorized to collect this debt on behalf of the creditor.

5. A copy of any judgments, if applicable.

Please also note that I request that all communication about this matter be conducted in writing. Until you provide the requested documentation, please cease all collection activity and refrain from reporting this debt to any credit reporting agency. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Shepherd Outsourcing, LLC
State: NC

Complaint narrative:
Ask company all communication by mail and cease and desist all call this does not mean send repeated emails upto 3 to 5 per day

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
on XX/XX/year> i sent a certified letter with receipt request to resurgent capital services and XXXX XXXX XXXX ( assigned to collect on resurgent 's behalf ) when i saw conflicting, false, and unexplainable information concerning a judgment this company filed on me but i was never informed. The certificate of service states a copy was mailed out to an attorney I have never heard of ( his name appears nowhere else on the documents ) 10 days before the default judgment was even granted. despite the judgment stating 0 % interest per annum, {$0.00} bill of sales recoverable costs, this company presented the debt as owing {$400.00} more than they were awarded and threatens to accrue more interest if i don't comply. despite my debt validation letters, XXXX XXXX XXXX did not provide any documentation but did return certificate of receipt XX/XX/XXXX, and resurgent did not send certificate of receipt but provided two documents- judgment award of lesser amount than they are claiming i owe, a certificate of service mailed 10 days BEFORE judgment was made to an unknown attorney, mismatched account numbers, and a threat to charge more interest. The clerk stamp at bottom of page has two different clerk '' s names that the document was presented to be filed ( the clerk stamp has one name but signed by someone else ) the presented document date is 7 days before " given under my hand this the ... '' was signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Preferred Finanical Services Corporation
State: IN

Complaint narrative:
Under the influence of scammers impersonating XXXX XXXX and XXXX XXXX XXXX XXXX, i made 3 wire Transfers to this beneficiary : XXXX XXXX XXXX Transaction XXXX {$4900.00} XXXX XX/XX/year>. Preferred XXXX  I have used the XXXX  app for this one. Made a complaint with XXXX without any response. 
Preferred XXXX  has already made the reverses of 2 other transfers. They sent me the credits for {$6000.00} and {$6500.00} made through XXXX Bank.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: PA

Complaint narrative:
Refused to allow access to my funds in a timely manner. I explained there was an emergency and the funds were needed in a timely manner. They refused without me having a chime card. I never received the chime card and requested a one time courtesy transfer for this emergency. They again refused. I can not access my funds and am being refused timely access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: AL

Complaint narrative:
I requested this information about my student loans on XX/XX/year> and I still havent heaved any response

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 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: Affirm Holdings, Inc
State: WV

Complaint narrative:
Loan ID XXXX used Affirm to purchase products from XXXX XXXX XXXX XXXX 

I filed multiple disputes and gave affirm several documents for evidence regarding the issues at hand. 

I tried to return the products to XXXX XXXX  XXXX was informed of a hidden restocking fee that was not advertised on my order. The reason for the return was slow processing, multiple delays, a rescheduled delivery time frame, and a product that was discontinued by the merchant 's store ; no closeout was advertised, nor any means of them not carrying the product again, which would put customers in a bind if they are buying it for expansion. 

When contacting XXXX XXXX  XXXX, they advised a 40 % restocking fee, which is nearly half of what I paid for this, making this hard on the consumer. I expressed this to affirm and told them about it and affirm couldn't do anything about the issue. 

The processing and delivery took almost XXXX weeks despite advertising Fast Delivery and Processing on their website. 

The order was delivered in the snow, which could have been prevented. 

XXXX of the items was damaged, which provided evidence to affirm this, and explained their slow processing times during the winter months. How was I supposed to check over the product promptly? Especially with a torn shoulder. 

All I am disputing with this is the cost of XXXX Panel which is approximately {$150.00}. 

I was not trying to be unreasonable in any sort of way. 

I was refused arbriation it seems most of XXXX  customer service agents have no idea what that even is. 

In addition to calling affirm multiple times, they threaten to record this on my credit report if my last payment was not processed on the account on time. Basically, I was blackmailed into paying them to keep a bad remark from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2026-02-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I had clear proof that Capital One XXXX owes me {$76.00} in XXXX XXXX XXXX. These rewards are not reflecting in my account and they are doing nothing to help resolve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Top Line Collectors LLC
State: FL

Complaint narrative:
Good morning Sir or Madam, I am filing this complaint against Top Line Collectors LLC for attempting to collect an alleged debt on behalf of XXXX XXXX XXXX, a debt buyer. I dispute this alleged debt in its entirety. 
Top Line Collectors LLC has failed to provide competent evidence that XXXX XXXX XXXX has legal standing to collect or report this debt. No valid chain of title, assignment identifying my account, or other proof of ownership has been produced. Unsupported claims of ownership do not constitute proof. 

The information provided consists only of a balance summary and generic statements. This does not satisfy the Fair Debt Collection Practices Act. I have not been provided : The original signed agreement A complete payment history from the original creditor Proof that the amount demanded is accurate and lawful A sworn affidavit, executed under penalty of perjury, from a custodian of records with personal knowledge, attesting that the debt legally belongs to me and that XXXX XXXX XXXX has lawful authority to collect and report it This account has been transferred between multiple entities without proper disclosure or documentation, which is misleading and deceptive. 

I am concerned that this unverified debt may be reported or re-reported to consumer reporting agencies, causing unjust harm. Reporting an unverified debt constitutes false, deceptive, and unfair conduct under federal law. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
I requested my XXXX  regarding those XXXX loans that are listed on my credit report as XXXX  days passed due and Aidvantage did not submit this information. I was able to obtain this information and no where on the XXXX does it states that I am only giving " XXXX grace period ''. I also asked for a supervisor or someone to contact me which they never did. If my grace period expired in XXXX of XXXX, why was I not in a Repayment plan from XXXX of XXXX, up until XX/XX/XXXX. Why wasn't I considered late during XX/XX/XXXX and XX/XX/XXXX. This XXXX XXXX company is a liar and all of this is documented and being recorded for legal purposes. I was in school up until XX/XX/XXXX and was suppose to receive a 6 month grace period. Nowhere in my XXXX  did it state I only have XXXX grace period and until Aidvantage can provide me where the loan stated I am only able XXXX grace period, I would those late payments documented on my credit report REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
On XX/XX/year> I responded to a message that I thought was from Bank Of America regarding suspicious activity on my credit card I contacted the bank via the number in the message thinking it was the Bank Of America Fraud department. They verified my identity andsome transactions and said they were going to close my account and send me a new card. They sent Verification Codes to my phone just as the bank does! I checked my accounts and everything looked fine! The next day XX/XX/XXXX, I checked my accounts and saw a {$19000.00} cash advance on my credit card. I knew Id been scammed and immediately called the bank and reported that this was not my actions. The card transaction for the {$19000.00} cash advance to Choice financial group was still pending. I told them to cancel it immediately and their response was their policy does not allow that! They did nothing to stop or protect my card when informed that this was fraud! The individual on the phone that I was talking to said there was something going on in my account right then as we were talking, we took immediate action and shut the accounts down. They transferred me over to another department, and I changed all my accounts and all my passwords and logins great but they would not stop the {$19000.00} transfer nor did they contact the other bank and have them hold the funds and not allow them to be withdrawn until the investigation was done. On XX/XX/XXXX they submitted my fraud claim because they said they couldnt do it until after it posted. None of this makes any sense to me. I dont understand when I was on the phone with them telling them it was not me while the transaction was pending. 
At any rate they credited my account for the {$19000.00} and the {$760.00} fee! On XX/XX/XXXX almost a month later they contacted me with a letter saying they were unable to approve the fraud claim and were reposted the {$19000.00} to my account and told me I was responsible for making the payments. I called and I requested all the information used to make that determination that day and they agreed to reopen the investigation and sent email with the information attached! 
On XX/XX/XXXX, I filed a fraud and installed an identity case with the XXXX XXXX Florida police department fraud case # XXXX I provided the police department the information that I received from the bank. 
On XX/XX/XXXX, they sent me a letter saying they completed the reevaluation of the claim and were still unable to approve the fraud claim. 
I also contacted XXXX XXXX XXXX to report the fraud and was informed that the account that the money went to had been closed by the fraud department, I requested that information and have not received any of that yet!

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 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime checking account went missing my money about XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
I recieved a direct deposit and I went to check the balance and the entire app screen turned completely white. I was stranded at the gas station overnight declined every type of transaction contacted Venmo over XXXX and PayPal and the representatives insisted it was nothing they could do I have used several devices and tried to add new cards etc its a technical issue they allowed a bill to take money from the account but I have no ability to use or transfer or access my own funds and there is no attempt from the company to resolve the issue at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Universal Account Servicing, LLC
State: TN

Complaint narrative:
I am disputing an alleged debt assigned to XXXX XXXX XXXX, XXXX by XXXX XXXX and XXXX Account XXXX XXXX. 

On XX/XX/XXXX, I received a welcome email from XXXX regarding what I was told was a cancelable subscription agreement. At no point during signup was I clearly informed that this was a financing agreement or loan, nor was I provided the original signed contract, Truth in Lending disclosures, XXXX, total cost, or payment schedule. 

On XX/XX/XXXX, I received written communication stating that my account was technically not active yet and that my grace period had not started. This directly contradicts later claims that my cancellation period had already expired. 

When I attempted to cancel the subscription, XXXX representatives told me I could cancel at any time by contacting XXXX Account XXXX XXXX. When I contacted XXXX Account XXXX, the representative initially told me they could help cancel my account, placed me on hold, and then returned and said they unfortunately could not cancel it because it was allegedly outside the cancellation period. This directly contradicted what I was previously told and contradicted written communication stating the account was not yet active. 

Additionally, the product was delayed significantly, and I was issued a refund for the device due to the delay, further indicating issues with the original agreement and fulfillment timeline. 

Throughout my attempts to cancel, I was transferred multiple times, given contradictory information by representatives and supervisors, and my cancellation requests were not honored. I also filed a complaint with the Better Business Bureau, but after several responses, the company stopped responding and the complaint was marked unresolved. 

Because of the misrepresentation, contradictory statements, and lack of proper disclosures, I dispute that this is a valid debt. 

On XXXX [ insert date you mailed letter ], XXXX, I sent a formal debt validation request and dispute letter via mail to XXXX XXXX XXXX, XXXX. I also sent the dispute via email on XXXX XX/XX/XXXX. In that request, I asked for : The original signed agreement Full Truth in Lending disclosures Complete account history Proof of legal authority to collect As of today, XXXX XXXX XXXX, XXXX has not provided the requested validation or documentation. 

I dispute this debt and request that XXXX XXXX XXXX, XXXX be required to validate the debt or cease collection and remove any credit reporting related to this account.

Company response to consumer: Closed with explanation