vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, I was hosting an event and needed to pay a DJ who was providing services that evening. At approximately XXXX XXXX, an attendee named XXXX arrived at the event and paid using Cash App. Because of that transaction, her Cash App username appeared in my recent transaction contacts. At approximately XXXX XXXX, while attempting to send a {$500.00} payment through Cash App to the DJ for services, I accidentally selected XXXX Cash App account from my recent contacts instead of the DJ. The payment note on the transaction clearly states For DJ Service, and the recipient did not provide any DJ services. Once I realized the error, I attempted to locate XXXX at the event to resolve the mistake, but I was unable to find her. I then contacted Cash App support and submitted a refund request to the recipient. Cash App later denied my dispute, stating that the payment was authorized from my device. However, the issue is not fraud but a mistaken payment to the wrong recipient while attempting to pay a vendor working at my event. As of now, more than 12 days have passed since the refund request was submitted, and the recipient has not responded or returned the funds. I am requesting that Cash App review this situation again and assist in facilitating the return of the {$500.00} that was mistakenly sent to the wrong recipient.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
XXXX has sent me to a debt collection agency. This is the second time it has happened in my lifetime with them. The timeline for this one begins in XX/XX/year>, when I was first receiving notice from Harris and Harris debt collection agency. When i had asked them about my debt, both XXXX agents had just left the chat. I included the transcript of the chat and the screenshots of this. I immediately cancelled XXXX without question, but need to reescalate my credit as soon as possible. They should not be able to get away with this twice. This debt went completely under the table, there was zero notification of it, and I've always paid my bills on time, which were outrageously high to include. The debt has significantly affected my credit upon XXXX 's doings without any notification of my bill being sent to collections, whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
Subject : FORMAL DISPUTE DEFECTIVE AND DAMAGED MERCHANDISE Re : XX/XX/year> Purchase {$8500.00} Account Ending : XXXX To Whom It May Concern, I am formally disputing the above charge pursuant to the Fair Credit Billing Act ( 15 U.S.C. 1666 ). On XX/XX/year>, I purchased furniture from XXXX totaling {$8500.00} using my XXXX credit account issued through Comenity Bank. The merchandise delivered contains significant structural defects and quality issues that render the furniture damaged, not as described, and not suitable for normal household use. Since discovering these defects, I have made multiple good-faith attempts to contact XXXX to request repair, replacement, or refund. Despite these efforts, the merchant has failed to respond or provide any meaningful resolution. Because the merchandise is defective and the merchant has failed to remedy the issue, I am formally disputing the full charge of {$8500.00}. Pursuant to the Fair Credit Billing Act, I request the following actions : Immediate investigation of this disputed charge. Temporary credit applied to my account for the full disputed amount of {$8500.00} while the investigation is pending. Confirmation that the disputed balance will not be reported negatively to any credit reporting agencies during the investigation. Written confirmation that this dispute has been received and opened. I am prepared to provide supporting documentation including photographs of the structural defects, purchase documentation, and records of my attempts to contact the merchant for resolution. Because the merchant has failed to respond or remedy defective merchandise, I respectfully request that the full transaction amount be disputed and investigated immediately. Please confirm receipt of this dispute and advise of the next steps in the investigation process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding Portfolio Recovery Associates , LLC and the account they are reporting as originating from XXXX XXXX XXXX XXXX XXXX. I previously disputed this account, and Portfolio Recovery Associates responded that they verified the account based on business records provided by XXXX XXXX. However, they did not provide documentation demonstrating that the account information being reported to the consumer reporting agencies is accurate or complete. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of information have a duty to conduct a reasonable investigation and verify the accuracy and completeness of the information they report to consumer reporting agencies when a dispute is submitted. Portfolio Recovery Associates has not provided documentation sufficient to verify the account they are reporting. In order to verify the accuracy of the information being reported, I am requesting the following documentation : Documentation showing that I opened or authorized the XXXX XXXX XXXX XXXX XXXX account referenced. A complete account history from the original creditor, including statements and payment history. Documentation showing how the balance currently being reported was calculated. Documentation establishing Portfolio Recovery Associates legal ownership of the debt, including the assignment or transfer of the account from XXXX XXXX. Documentation verifying the correct Date of First Delinquency being reported to the credit bureaus. Simply stating that the account was verified using internal or purchased records does not satisfy the requirement to conduct a reasonable investigation under the Fair Credit Reporting Act. Because the company has not produced documentation verifying the accuracy and completeness of the tradeline they are reporting, I believe this account may be inaccurately reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: PA

Complaint narrative:
Hello my name is XXXX XXXX Key Bank in XXXX Pennsylvania XXXX XXXX XXXX XXXX XXXX the bank has stolen money from me or somehow don't know where it is I open an account XX/XX/XXXX with XXXX I'm missing XXXX to {$30000.00} which is a lot of money to go missing I have pictures of transactions transfers and deposits that I never made like a deposit I never deposited once into the account I opened it and now it's closed with a negative {$2000.00} I have a police report number XXXX with the XXXX XXXX Police Department XXXX XXXX gave to the bank on XX/XX/XXXX no one seems to know where my money is gone and I am broke XXXX to {$30000.00} is a lot of money to go missing it's FDIC insured I have no children and I was never married and it's still a lot of money so someone can figure out where my money went or what my next step to do is because I can't afford an attorney and I think the bank actually got paid off by someone to me it kind of seems like an inside job when I first opened the bank account I told the representative or Banker that I had the same problem before maybe not the same problem but somewhat the problem and that's why I was switching banks if there's any other documentation that would be helpful for you or anything I can do please let me know and I greatly appreciate your help thanks again XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I was transferred to XXXX XXXX for a project, rented an apartment from XXXX XXXX., leased and paid rent timely for over a year, I was notified by my employer that in 30 days, I would be transferred to XXXX XXXX XXXX XXXX I gave written and verbal notice to the apartment XXXX. My wife and I cleaned the apartment very clean, all trash removed, cleaned refrigerator, bathroom, kitchen, vacuumed, etc. Turned the keys into apartment managers hands. A few months later, Columbia Debt Recovery contacted me for XXXX debt, now saying XXXX debt, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: NY

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I noticed there was a charge from my TD Bank saving account on XX/XX/XXXX of {$700.00}. I do not pay any bills out of my saving account so I called TD Bank to ask them what the charge was related to. The person on the phone said it was a XXXX XXXX charge associated with my name and told me to call XXXX XXXX. I called XXXX XXXX and they informed me that I do not have a XXXX XXXX credit card open with them. I notified TD Bank and TD Bank Fraud department. TD Bank sent me a letter on XX/XX/XXXX stated that they concluded that I authorized the transaction and no refund was issued. How can I authorized a payment to XXXX XXXX under my name if there is no credit card open on file?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: IL

Complaint narrative:
Summary of Events Identity Theft Dispute I am writing to formally dispute a loan that was fraudulently opened in my name without my knowledge or consent. My identity was stolen while I was a passenger on the XXXX XXXX XXXX from XXXX XXXX XXXX During embarkation, my carryon bagcontaining all of my personal identificationwas taken by XXXX staff as part of the boarding process. When the bag was returned, several critical items were missing, including : Social Security card Drivers license Debit card Passport These items were stolen while I was on the ship and out on the water with no cellular reception, making it impossible for me to receive alerts or take immediate action. I discovered the identity theft on XX/XX/year>, when I learned that a fraudulent loan in the amount of {$11000.00} had been opened in my name. In addition, over {$1200.00} was withdrawn from my bank account in connection with this fraudulent loan within the last month. The fraudulent activity occurred on XX/XX/year>, the same day my identification went missing. XXXX has not responded to my attempts to resolve the matter or acknowledge the loss of my identification. Because this loan was opened using stolen documents and without my authorization, I am requesting that it be removed immediately from my credit and all associated accounts. I did not apply for this loan, I did not consent to it, and I did not benefit from it in any way. I am a victim of identity theft, and the individual responsible used documents stolen while I was under the care and control of XXXX staff. I am requesting full removal of this fraudulent loan and any related charges from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
Date : XX/XX/year> HARRIS & HARRIS XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Re : Account XXXX To Whom It May Concern, I am writing in response to your alleged account referenced above. I dispute the validity of this debt in its entirety. This letter constitutes a formal request for validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to 15 U.S.C. 1692g and 15 U.S.C. 1692c ( c ). Under 15 U.S.C. 1692g ( b ), you are required to cease all collection activities until you provide proper validation of the alleged debt. Please provide the following documentation : 1. The name and address of the original creditor. 2. The original account number associated with the alleged debt. 3. A complete accounting of the alleged balance, including principal, interest, fees, and charges. 4. A copy of the original signed contract, agreement, or instrument bearing my signature that created the obligation. 5. Documentation proving Jefferson Capital Systems , LLC has legal standing to collect this debt, including a complete chain of assignment or purchase agreement from the original creditor. 6. The date of the alleged default and the date of last payment. 7. Documentation verifying the alleged debt is within the applicable statute of limitations. 8. Proof that your company is licensed or authorized to collect debts in my state, if such licensing is required. Additionally, if you are reporting or have reported this account to any consumer reporting agency, you must ensure that such reporting complies with the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681s-2. Reporting information that is inaccurate, incomplete, or can not be verified is a violation of federal law. If you can not provide the requested validation, you must immediately : Cease all collection activity Remove any reporting of this account from all consumer reporting agencies Confirm in writing that the account has been closed and collection efforts terminated Furthermore, pursuant to 15 U.S.C. 1692c ( c ), you are hereby instructed to cease communication with me regarding this alleged debt except for the following purposes : 1. To provide the requested validation and documentation 2. To notify me that collection efforts are being terminated 3. To notify me of specific legal remedies you intend to pursue Any attempt to collect this debt without providing the requested validation, or continued reporting of an unverified debt to credit reporting agencies, may constitute violations of the FDCPA and FCRA. Such violations will be documented and may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. All future correspondence must be made in writing only.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I had a active XXXX account for years I noticed fraudulent activity and disputed charges which were removed more fraudulent charges were made I again disputed charges and asked company why my account is allowed to continue getting hit with fraudulent charges they said they were sorry and removed the charges once again my account was hit with fraudulent charges and at tha time I requested charges be disputed which they did I then asked to close my account which they said they did yet I still received charges previously disputed and new charges on the account which are now in collection

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Affriim is unable to cancel the loan with XXXX XXXX. XXXX cancel the loan on their end and I didnt receive a refund and I was told I would have to wait 2 months and this loan will impact my credit report and I dont want this tradeline to be reported. XXXX cancel my order because the email address I provided was invalid and XXXX wouldnt do anything to release the funds back. And I want my money back so this doesnt hurt my credit the loan number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a resident of New York and a victim of identity theft. An unauthorized credit inquiry was placed on my credit report without my knowledge or permission. Creditor : XXXX XXXX XXXX Date : XX/XX/year> I did not apply for credit with this company and did not authorize any person or entity to access my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
Date : XX/XX/year> JEFFERSON CAPITAL SYSTEMS , LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : Account XXXX To Whom It XXXX Concern, I am writing in response to your alleged account referenced above. I dispute the validity of this debt in its entirety. This letter constitutes a formal request for validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to 15 U.S.C. 1692g and 15 U.S.C. 1692c ( c ). Under 15 U.S.C. 1692g ( b ), you are required to cease all collection activities until you provide proper validation of the alleged debt. Please provide the following documentation : 1. The name and address of the original creditor. 2. The original account number associated with the alleged debt. 3. A complete accounting of the alleged balance, including principal, interest, fees, and charges. 4. A copy of the original signed contract, agreement, or instrument bearing my signature that created the obligation. 5. Documentation proving Jefferson Capital Systems , LLC has legal standing to collect this debt, including a complete chain of assignment or purchase agreement from the original creditor. 6. The date of the alleged default and the date of last payment. 7. Documentation verifying the alleged debt is within the applicable statute of limitations. 8. Proof that your company is licensed or authorized to collect debts in my state, if such licensing is required. Additionally, if you are reporting or have reported this account to any consumer reporting agency, you must ensure that such reporting complies with the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681s-2. Reporting information that is inaccurate, incomplete, or can not be verified is a violation of federal law. If you can not provide the requested validation, you must immediately : Cease all collection activity Remove any reporting of this account from all consumer reporting agencies Confirm in writing that the account has been closed and collection efforts terminated Furthermore, pursuant to 15 U.S.C. 1692c ( c ), you are hereby instructed to cease communication with me regarding this alleged debt except for the following purposes : 1. To provide the requested validation and documentation 2. To notify me that collection efforts are being terminated 3. To notify me of specific legal remedies you intend to pursue Any attempt to collect this debt without providing the requested validation, or continued reporting of an unverified debt to credit reporting agencies, may constitute violations of the FDCPA and FCRA. Such violations will be documented and may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. All future correspondence must be made in writing only.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
I had XXXX internet and they kept on increasing my monthly bill when I had a contract with them. The balance at the time I believe it was {$85.00} or {$95.00}, Ive even returned the equipment and they kept on charging me. Instead of communicating with me, XXXX keeps selling my information to various debt XXXX that has been calling my phone right around the clock, morning, noon night Monday through Sunday and this has been going on for almost XXXX years now. The debt collector did not send me any written notice or email explaining what debt they are trying to collect. XXXX day last week I checked my credit report and Equifax placed a derogatory remarks on my credit and remove XXXX points, the information on the report is incorrect, I had no form of communication with XXXX XXXX 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 explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
Validation of Debt Request- XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation