vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 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: MD

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: VA

Complaint narrative:
I am submitting this rebuttal in response to Vance & Huffman, LLCs CFPB response regarding Complaint ID XXXX, and I am formally requesting that the CFPB continue and further investigate this matter. 

The companys response fails to comply with federal law and relies solely on internal verification and consumer-directed portal access rather than lawful validation as required under the FDCPA and FCRA. 

Vance & Huffman states that it confirmed the name and address listed on the account and the amount due and owing. This constitutes verification only, not validation. Under FDCPA 809 ( b ), validation requires the collector to affirmatively provide competent evidence of the debt, proof of lawful authority, and documentation establishing the consumers legal obligation. Confirming demographic information and balances does not satisfy this requirement. 

The company further asserts compliance by providing access to a secure web portal and requiring the consumer to retrieve documents by entering sensitive personal information. Federal law does not permit debt collectors to shift validation obligations onto the consumer. Validation must be provided directly, not concealed behind a portal, login requirement, or SSN entry.

The companys own correspondence states : This communication is from a debt collector and is an attempt to collect a debt. This admission triggers the full protections of the FDCPA. Despite this, no lawful validation was mailed or otherwise delivered before the company declared the matter closed. 

Vance & Huffman also failed to provide : Proof of ownership or a complete chain of title The original signed agreement creating the alleged obligation Proof of a lawful permissible purpose to access or furnish my consumer data The method of verification required under FCRA 611 ( a ) ( 7 ) Declaring the dispute closed without providing validation while continuing collection or furnishing activity is improper and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: CO

Complaint narrative:
On XX/XX/year>, I used Cash App to pay XXXX for a reservation. I canceled the reservation before using the service. XXXX refused to refund my original payment method and instead issued booking credit that can not be withdrawn as cash. 

I contacted XXXX requesting a refund to my original payment method, which they explicitly denied in writing. I then filed a dispute with Cash App. Cash App denied the dispute and the appeal, stating the charge was completed, despite the fact that the service was canceled and the funds are inaccessible to me. 

I am seeking a refund of my original payment method. I did not receive the service, and Cash Apps refusal leaves me without access to my money. I am requesting CFPB assistance to require Cash App to properly investigate and credit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the interest charges, late fees, and subsequent collection actions on my Home Depot credit card. I believe these charges resulted from misleading advertising and incorrect information provided by customer service representatives.

1. Misleading Information at Account Opening ( XX/XX/XXXX ) : When I opened this account in early XX/XX/XXXX, I was offered a " XXXX interest-free '' promotion. At no point was it explained that this was a deferred interest promotion requiring specific monthly minimum payments to maintain the 0 % status. Because of this lack of disclosure, I was surprised by unexpected fees and interest just XXXX XXXX  later. 
2. Conflicting Instructions and Customer Service Error ( XX/XX/XXXX ) : In XX/XX/XXXX, after noticing a negative impact on my credit score, I contacted customer service immediately. The representative informed me that paying the " full balance '' shown on my statement would resolve all outstanding issues and prevent further charges. I paid the full amount over the phone. Relying on the agents explicit confirmation that no balance remained, I followed their guidance to cancel my autopay. 
3. Unfair Collection Activity ( XXXX XXXX ) : Despite being told my account was clear, I began receiving collection calls months later for " unexpected remaining balances '' and accrued interest. No itemized rundown of these charges has been provided to me.

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 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2026-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I discovered inaccurate accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
Ive had multiple fraudulent charges/actions with USAA financial institute . Most recently {$500.00} and {$450.00} plus a transfer ( unauthorized ) of {$1000.00} between two of my accounts. Nonetheless, the {$500.00} is still under investigation and they denied the {$450.00} for a bogus reason. I requested the investigation and received a generic response. A few months ago a XXXX charge from an unknown account was charged to my account in the amount of $ XXXX. They denied that claim as well. They continue to blame the victim and do not provide adequate investigation documents.

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 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perry Law Office, P.C.
State: IN

Complaint narrative:
Its been over twenty years now an they still insist that I owe them when they havent showed me anything! And they also said I could not take this to trial, but the form I received stated I have the right to request a judge present at the hearimg! I am not paying anything until I have what I requested! The business I supposedly owe money to doesn't exist anymore! An also had taken money from me without my consent! An will keep doing it once I show proof of employment!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: WA

Complaint narrative:
Summary of the Issue : I am an activeduty service member attempting to receive the Servicemembers Civil Relief Act ( SCRA ) benefits on my Discover credit card account. Despite multiple applications, documentation submissions, and followups, Discover has failed to process my request or provide any meaningful updates. 

Detailed Timeline : XX/XX/XXXX : I submitted my first SCRA benefits application to Discover. 

XX/XX/XXXX : Discover denied the application, stating I was not found in the XXXX, even though I was on activeduty orders at the time. 

XX/XX/XXXX : I reapplied for SCRA benefits while still on the same activeduty orders. I received no confirmation that the benefit was applied, despite contacting customer service multiple times. 

Discovers automated email stated that SCRA review takes approximately 1014 days, but I received no decision or update. 

XX/XX/XXXX : After calling again, I was told to reapply with documentation and assured that doing so would not affect the original eligibility timeframe. 

XX/XX/XXXX : I submitted the application again with full documentation. 

As of XX/XX/XXXX : I still have not received any response, decision, or acknowledgment from Discover. 

Additional Context : Discover is the only credit card issuer that has failed to apply SCRA benefits to my account.

All other financial institutions processed my SCRA benefits without issue using the same activeduty orders and documentation.

Discovers lack of communication and repeated delays have caused unnecessary stress and appear to violate the spirit of the SCRA, which is intended to protect service membersnot burden them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo improperly denied my debit card dispute for a {$320.00} charge from XXXX  XXXX XXXX XXXX XXXX by XXXX XXXX XXXX XXXX XXXX, despite clear evidence of services not rendered, misrepresentation, and a merchant-authorized refund that was never issued. 

I booked and prepaid online for a specific Deluxe King Hotel Room at XXXX XXXX  on XX/XX/year>, with check-in at XXXX XXXX  the same day. Upon arrival, the hotel informed me that the room I purchased was not available. Unknowingly until I got to my Room, I had realized I was instead placed in a different and inferior room while being charged the full price for the room I did not receive. 

I immediately disputed this at the hotel and spoke with the hotel General Manager, XXXX XXXX, on XX/XX/year>, at approximately XXXX XXXX  when I was told he would be available to speak with. I showed him my booking confirmation and photos proving the room provided did not match what I paid for. XXXX XXXX acknowledged the error and explicitly promised a full refund. No refund was ever issued. 

Wells Fargo denied my dispute claiming : 1. I did not cancel within the cancellation timeline, and 2. I received a benefit from the disputed services Both reasons are factually and legally incorrect. 

I could not have canceled prior to arrival because the booking occurred just hours before check-in, and the room I booked was never available to begin with. A cancellation policy can not excuse a merchants failure to provide the contracted service. 

Additionally, I did not receive the benefit of the service purchased. I did not receive the room I booked, nor did I receive the promised refund. I filed the dispute precisely because no refund was issued after the merchant acknowledged the error. 

I also possess a recording of my conversation with the hotel General Manager, in which he acknowledges the booking error and promises a full refund. This recording is available upon request. 

Under Regulation E ( 12 C.F.R. 1005.11 ), this constitutes a billing error due to failure to provide the agreed-upon service and failure to honor a merchant-authorized refund. Wells Fargo failed to conduct a reasonable investigation and improperly upheld the charge

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 2026-01-06 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:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Garrison Investment Group
State: MI

Complaint narrative:
In XX/XX/XXXX, we financed a loan through Foundation XXXX XXXX for roof repairs. In XX/XX/XXXX, we obtained a home equity loan through our bank to consolidate debt at a lower interest rate. As part of this process, our bank required official payoff amounts in order to issue payoff checks and letters. 

On XX/XX/XXXX, I contacted Foundation XXXX XXXX by phone and was told our payoff amount was {$21000.00}. Based on this information, our bank issued payoff checks and letters dated XX/XX/XXXX, which were mailed to all creditors. All creditors except Foundation XXXX processed their payments without issue. 

In XX/XX/XXXX, we received a billing statement from Foundation XXXX. On XX/XX/XXXX, I called Foundation XXXX and was informed they had not received the payoff check. I confirmed the payment was sent to the XXXX XXXX address listed on the billing statement. After this call, I contacted our bank, canceled the original check, and requested a replacement. 

A second check was issued by our bank on XX/XX/XXXX, in the amount of {$21000.00}, payable to Foundation XXXX and including our account number. This check was mailed to the same XXXX XXXX XXXXddress, as no alternate payoff address had been provided during any prior communication and no such address was listed on Foundation XXXX billing statements or website. 

On XX/XX/XXXX, we again received a billing statement. On XX/XX/XXXX, my wife contacted Foundation XXXX and was informed for the first time that payoff checks must be sent to an address in XXXX. This information had never previously been disclosed. 

That same day, my wife obtained a copy of the second check from our bank and contacted Foundation XXXX again to provide the check details. She was asked whether the check had cleared ; however, because the check was issued from the banks account, we can not independently verify clearing status. The Foundation XXXX representative stated this was irrelevant, offered no resolution, and indicated someone would follow up. No follow-up has occurred. 

To date, two payoff checks totaling over {$40000.00} have been issued on our behalf, yet Foundation XXXX has failed to properly process, locate, or credit any payment. Despite our repeated good-faith efforts, we continue to receive billing statements and have received no clear guidance, resolution, or accountability. 

We believe Foundation XXXX failed to provide accurate payoff instructions, failed to properly handle or track payments, and failed to communicate critical information in a timely manner. We are requesting immediate resolution, proper application of our payoff, written confirmation of account closure, and assurance that no late fees, penalties, or negative credit reporting will result from these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Carvana Group, LLC
State: OK

Complaint narrative:
On XX/XX/year>, I canceled my vehicle purchase with Carvana. On XX/XX/year>, frustrated with the delay in receiving my refund, I filed a dispute with my bank for the total amount of {$2100.00} ( {$1900.00} down payment + {$290.00} shipping ). Carvana then emailed me stating they had sent a check for the refund but would place a stop payment on it due to the pending dispute. They instructed me to cancel the dispute in order to receive a new refund check. 

I complied and canceled the dispute as requested. However, Carvana never sent the replacement funds. The original check was canceled, and when Carvana attempted to process the refund through my bank, XXXX reported that my account had been closed and overdrafted, preventing the refund from being deposited. 

I have not received my {$2100.00} refund and have been unable to resolve this directly with Carvana. I am requesting CFPB assistance to recover the funds.The last I spoke with Carvana was on XXXX XXXX them saying theres nothing they can do. This is horse XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I am filing a formal complaint against Bank of America for its repeated failure to properly process a valid, notarized Power of Attorney ( POA ), resulting in financial harm and potential credit damage to an elderly consumer. 

I hold a legally executed and notarized Power of Attorney from the Commonwealth of Virginia authorizing me to manage the financial affairs of my mother, XXXX XXXX, following the death of my father. Bank of America has been provided this document multiple times. I mailed the POA on two separate occasions and, at the banks explicit request, personally delivered the original documentation to a local Bank of America branch so it could be processed in person. 

Despite these efforts, Bank of America continues to claim that it has not received or processed the POA. 

As a direct result of this failure, my mothers Bank of America credit card account was recently impacted by fraudulent charges. Because Bank of America refuses to recognize my legal authority under the POA, I am unable to properly dispute these charges or manage the account on her behalf. The fraudulent charges are substantial and will not be paid. This will likely cause the account to become overdue and may result in unjustified damage to the credit of an elderly woman who bears no responsibility for this situation. 

Bank of Americas actionsor lack thereofhave left me unable to protect my mother from financial harm despite having fully complied with every request made by the bank. This is not a case of missing documentation or customer inaction. This is a systemic failure by Bank of America to properly handle legally valid POA documents and to support a vulnerable customer during a fraud event. 

I am requesting CFPB assistance to compel Bank of America to : Immediately acknowledge and process the valid Power of Attorney on file. 

Allow me full authority to manage and resolve the fraudulent charges. 

Ensure that no negative credit reporting occurs as a result of Bank of Americas internal failures.

Conduct an internal review of its POA handling process to prevent similar harm to other customers. 

Bank of Americas continued incompetence and refusal to act has created unnecessary stress, financial risk, and potential long-term damage to an elderly consumer. This situation is entirely avoidable and should never have reached this point. 

Thank you for your attention to this matter.

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 2026-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
b'I am filing this complaint against Credit Collection Services for violations of the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA).\n\nOn XXXX XXXX XXXX I sent Credit Collection Services a timely written debt validation request pursuant to 15 U.S.C.  1692g(b). The letter was sent via XXXX  Certified Mail with tracking number XXXX XXXX XXXX XXXX XXXX XXXX and was properly delivered. Despite receipt, Credit Collection Services failed to provide any validation or verification of the alleged debt.\n\nNotwithstanding their failure to respond, Credit Collection Services continues to report this account to the consumer reporting agencies, including XXXX XXXX and XXXX. Continuing to report a disputed debt without validation constitutes false, misleading, and unfair reporting, and a failure to conduct a reasonable investigation as required under 15 U.S.C.  1681s-2(b).\n\nThis conduct has caused ongoing harm to my credit profile and reflects a pattern of noncompliance with federal consumer protection laws. I request that the CFPB require Credit Collection Services to immediately cease reporting this account, provide full and proper validation, or permanently delete the tradeline from all consumer reporting agencies.'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation