vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
Im following up on a fraud dispute I submitted for a transaction that occurred on XX/XX/XXXX at approximately XXXX XXXX  while I was asleep. I did not authorize this transaction, and I have already submitted documentation proving this. 

Key Facts : Fraud Date : XX/XX/year> Time of Transaction : Around XXXX XXXX  User Profile : Shady and suspicious. The account in question doesnt show the usual Pay or Request options when clicked, which is a huge red flag that its either fraudulent or fake. 
My Condition : I was literally asleep when this happened. I did not authorize this charge, and that is not up for debate. 
My Action : I reported this within hours, submitted screenshots, and followed every protocol. 

Current Problem : Its now been several business days, and Ive received nothing but vague updates and confusing case status emails. Im being told cases are closed when my actual fraud dispute is still open, and no one is giving me a clear update on where it stands or when a resolution will happen. 

Im also being given contradicting information about whats being investigated and whats not. That is unacceptable when my housing is at stake.

I Am Now Requesting the Following : 1. Immediate Provisional Credit to be applied under the Electronic Fund Transfer Act ( EFTA ) which entitles me to that credit within 10 business days of reporting fraud, especially when proper documentation is provided ( which I have done ).

2. Clear confirmation that my fraud dispute from XX/XX/XXXX is still open, and that it is being handled by the appropriate fraud team. 
3. A timeline of resolution. I will not accept generic responses or delays.

This Is Time-Sensitive : I need this issue resolved well before XX/XX/XXXX. My rent is overdue and directly dependent on the recovery of these funds. This delay is causing extreme financial distress. 

Please escalate this immediately. I expect transparency, speed, and compliance with EFTA guidelines This is the message I sent to them mind you like I said this transaction was unauthorized and it happened XX/XX/XXXX Sunday XXXX XXXX  while I was asleep I did not transfer {$1000.00}. This was my entire paycheck and Im at risk when it comes to my rent is due in a few days!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I got put on a XXXX XXXX  the insurance I had paid over {$2000.00} for this machine. I as well paid nearly XXXX out of pocket somehow they have me owing over {$2000.00} for this machine when you can buy it on XXXX for {$800.00}. I have tried to get this off my credit report as it is a third-party company that purchased this and I know my rights is a consumer. I have tried speaking with XXXX and this never got resolved and now it is on my credit report. They sold this and now Midland credit management will not stop calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Ally bank will not allow me to transfer my money and investments out of their bank and brokerage firm. Every time I try to do so, they lock me out of my account and it takes hours and hours of sitting on the phone waiting for someone to unlock it. Today, I spent over 1.5 hours getting them to unlock my accounts just because I tried to link a brokerage account to it. The same thing has happened again. I should be able to transfer my money out of their bank without them freezing my accounts every time I try. This is fraud. They are fraudulently keeping my money and preventing me from moving it out of their XXXX bank.

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 2026-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am writing regarding the outstanding balance currently reported on my account related to a lease agreement signed in XXXX. 

Spring XXXX, I signed a joint lease with another tenant. Due to the XXXX pandemic, I was unable to take possession of the apartment. I never received keys, never occupied the unit, and never physically resided at the property. Throughout this time, we were in ongoing communication with the leasing agent and property management regarding re-leasing my portion of the unit. We were informed that this would be handled, and payments were accepted with that understanding. 

Despite this, beginning in XX/XX/XXXX, I began receiving charges for rent and utilities as though I were residing in the apartment. These charges were issued even though I never occupied the unit. I was later informed via email that my spot could not be filled ; however, the remaining tenant confirmed that the apartment was fully occupied and that unit were being double leased. I have reason to believe I was billed for rent and utilities for an apartment I had never seen or used or I was billed accelerated rent and need proof that my spot was " vacant ''. 

Due to the seriousness of this situation, legal counsel was obtained in XXXX. The balance has since grown to approximately {$8500.00}. I am now out of school and actively trying to establish financial stability, but this unresolved matter has made it extremely difficult to move forward, particularly given the circumstances under which the charges accrued. 

The apartment was " XXXX XXXX XXXX XXXX XXXX XXXX Procollect INC has since took over the debt as it been close to 7 years of this issue.

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 2026-01-28 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: NV

Complaint narrative:
I was enrolled in XXXX XXXX w/o my knowledge or consent. The issuer will not provide proof of my authorization and is refusing to refund unauthorized charges and They are refusing to dispute the unauthorized charges from XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: AL

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The Bank of America credit card account in question was opened on XX/XX/XXXX and was active for over 17 years. The account maintained a {$13000.00} credit limit, a {$0.00} balance at the time of closure, and a 99 % on-time payment history with no late payments or derogatory marks. 

The account was closed on XX/XX/XXXX without my request due to a missed inactivity notification. Despite this, the account is being reported as closed at consumers request, which is inaccurate and misleading. Given the age, perfect standing, and lack of any risk factors, I am requesting a courtesy reinstatement of the account or, at minimum, correction of the credit reporting to accurately reflect that the account was closed by the issuer and not by consumer request. 

I have 3 total credit cards with them and also direct deposit with check account.I am very active I am alive not a dead account.

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 2026-01-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I previously filed a CFPB complaint against XXXX XXXX XXXX regarding a collection account that should not have been reported because I paid the balance directly to XXXX XXXX on XX/XX/XXXX. XXXX accepted the payment, which means the collection agency no longer had any legal authority to collect, verify, or report the debt. 

XXXX XXXX XXXX responded to my CFPB complaint on XX/XX/XXXX word for word Dear XXXX XXXX, Thank you for your letter to the Consumer Financial Protection Bureau ( CFPB ) and for providing us with an opportunity to respond. 

XXXX XXXX placed your account in our office for collections on XX/XX/XXXX. On XX/XX/XXXX, we received notice of your dispute from the XXXX XXXX XXXX. We notified XXXX XXXX and mailed the attached validation of charges related to insurance coverage on a XXXX XXXX XXXX, for the period of XX/XX/XXXX through XX/XX/XXXX, in response to the dispute received. 

On XX/XX/XXXX, XXXX XXXX notified us of a payment in the amount of {$620.00}, satisfying your balance. Upon closing of your account, we will initiate the removal of any credit reporting placed by our company. 

Should you need further assistance in the interim, please contact our office directly at XXXX. 

Sincerely, XXXX XXXX XXXX Compliance Department  XXXX After receiving this response, I expected the account to be deleted from all credit bureaus, because that is exactly what the company told the CFPB they would do. Instead, when TransUnion updated the account on XX/XX/XXXX, they did the opposite of what the company stated. TransUnion changed the account to a Paid Collection, which is inaccurate, misleading, and not what the company agreed to. It also falsely suggests that I paid the collection agency, which I did not.

The company told the CFPB they would remove the account. TransUnion updated it to Paid Collection. These two things directly contradict each other, and the reporting is not accurate or lawful. I am filing this complaint because the account should have been deleted, not updated, and the reporting does not match the companys written statement to the CFPB.

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 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
On XX/XX/year> a debit card transaction of {$230.00} was posted to my Navy Federal Credit Union checking account without my knowledge, consent, or authorization. At all times, the debit card remained in my possession, and I did not authorize, approve, or benefit from this transaction. 

Upon discovering the transaction, I promptly submitted a formal dispute to Navy Federal, requesting a full investigation, documentation of any claimed authorization, and a written explanation for the denial of my initial claim. Navy Federal denied my dispute, citing only the merchants representation, without providing any evidence that I authorized the transaction. I then reopened the dispute for a second review, and it was again denied, relying solely on the merchants representation without providing any evidence that I authorized the transaction.

Their denial constitutes a failure to comply with Regulation E of the Electronic Fund Transfer Act, which mandates that financial institutions investigate and correct unauthorized electronic transactions in a timely manner. To date, my account has not been credited for the disputed amount, and no provisional credit was issued as required by law.

I am requesting immediate reversal and full refund of the unauthorized charge, along with correction of my account in full compliance with federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I never sign anything with this company aldous and associates Amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: URS Holding, LLC
State: GA

Complaint narrative:
On XX/XX/year> I was contacted by a woman named XXXX claiming she needed to deliver something to me from XXXX  recovery systems and asked me if I was going to be home and I said no she gave me my name and the last XXXX of my social and asked me to verify. She asked me to call a number and gave a reference number. I called the number gave them the reference number. The woman explained what it was for. I told her I did not know what she was talking about asked her to mail me the validation and information about the debt. She refused and said were past that point they are going to take action today she then intentionally kept repeating my last name incorrectly after I corrected her. I asked her once more for validation of my debt, and I told her that it was my legal right and she spoke over me and said no were past that point Im not sending you anything. We are not sending you anything. And I said well Im done with this conversation then. XXXX is the woman I spoke to when I called in.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I ask them to mail me the requested debt or whatever I owed and to stop contacting me!! And they wont they harassing me daily when THIS DEBT ISNT REAL NOR IS IT REALLY OWED TO THEM!! I need compensation for this!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
On XX/XX/XXXX, I made a {$130.00} purchase from the merchant XXXX XXXX XXXX using my XXXX credit card. Within approximately 30 minutes of the purchase, I attempted to cancel the order prior to shipment, but the merchant refused. The merchant has never shipped the item, and the order status continues to show not shipped. I have never received the merchandise, and no tracking number or proof of shipment has ever been provided. 

I filed a billing dispute on XX/XX/XXXX, for non-receipt of goods after not getting a reply from the merchant regarding canceling an order I made by error .. On XX/XX/XXXX, the dispute was denied. That same day, my dispute history showed conflicting statuses, including claim denied, appeal accepted, and claim lost, without explanation or written findings. 

The dispute was denied based on the merchants cancellation policy rather than evidence of shipment or delivery. No proof of shipment or delivery was provided to support the charge. 

I contacted the merchant multiple times by email requesting a refund due to non-shipment. In XX/XX/XXXX, the merchant attempted to issue a credit ; however, I received a notification stating that the credit was declined because the merchant was allegedly blocked. The merchant has never been blocked, and I did not block the merchant from issuing a refund. 

This indicates that a refund attempt was made but not completed. I contacted Current multiple times requesting reconsideration, written findings, and documentation of the investigation as required under Regulation Z, including the evidence relied upon to deny the dispute. Current did not provide the requested documentation, and during my most recent attempt to obtain this information, the support representative disconnected the chat. I remain charged for goods that were never shipped or delivered. I have never recieved the order and the charge went thru for this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PACIFIC PREMIER BANCORP, INC.
State: MI

Complaint narrative:
This is an accurate debt that I am working on taking care of which I have notified the company of and today as of XXXX XXXX  Ive received 15 calls from them. 15 calls and thats just in one day its getting ridiculous.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT

Complaint narrative:
Someone hacked into my bank account and stole upwards of {$4000.00} across debit cards, credit cards, XXXX, and cash advances. USAA returned the funds to me. I want to make sure all steps have been taken to stop this person for repeating the crime.

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 2026-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: UT

Complaint narrative:
I applied for a line of credit with XXXXredit Fresh last year in XXXX and paid back all of the loan, and thenIi took the line of credit again, butIi couldn't pay it off, so insteadIi have been making payments biweekly. The balance is never decreased ; instead, the balance keeps increasing. I called and asked if they could stop charging me so much interest so I can pay off the loan, but they want everything back, k plus the insane amount of interest. I know they will be reporting it to the credit bureaus and potentially ruining my credit, which is why I am opening this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
When I ask the lady to provide me with all this information for told me it look like u dont want to resolve this all because I requested this information to resolve this issue I asked to speak with a different agent and she refused to let me speak to someone else stating that shes the only one there and all this was on a recorded line and I asked all this on a recorded line and she

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: Winklevoss Exchange LLC
State: CA

Complaint narrative:
Systemic Failures in Fraud Investigation and Improper Reliance on Merchant Evidence. 

I am filing this complaint to document serious procedural failures in XXXXXXXX XXXX XXXX handling of my stolen-card fraud claim. Although the charge was later reversed after regulatory escalation, the initial investigation was deficient and caused months of unnecessary burden and XXXX. 
I reported the {$1100.00} transaction as fraud / stolen card / identity theft immediately while it was still pending, and my card was canceled and replaced at that time. Despite this, the case was treated as a billing dispute and denied without contacting me for clarification, without requesting documentation, and without advising me what materials to provide. 
When XXXX  eventually produced the merchant documentation relied upon to deny my claim ( 3 months after the initial dispute ), it showed that only my name, billing address, phone number, and CVV matched. Those are precisely the data elements that can be stolen in online breaches or merchant-side compromises and do not establish that I personally authorized the transaction. 
At the same time, the documentation contained multiple red flags : Shipment to Southern California while I live in XXXX California IP address inconsistent with my location Email address not belonging to me XXXX signature that does not resemble mine These discrepancies are classic indicators of card-not-present fraud. Instead of triggering heightened review, XXXX XXXX XXXXXXXX cited this material as compelling evidence in favor of the merchant. 
This reflects a flawed investigative process that appears to credit merchant submissions while discounting fraud indicators and my immediate stolen-card report. 
I was not contacted during the original investigation, was not provided any way to submit evidence, and was not informed that police reports or identity-theft affidavits would be relevant until after the denial. Only after regulatory complaints were filed was the dispute reopened and resolved. 
This complaint is submitted to place on record that XXXX XXXX XXXXXXXX initial fraud-handling procedures failed to identify obvious warning signs, failed to engage the cardholder, and failed to apply appropriate scrutiny before denying liability. 
I request that this matter be retained for regulatory review of XXXX XXXX XXXX dispute-handling controls and fraud-investigation standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: NY

Complaint narrative:
I asked the company and requested validation of the debt more than 45 days ago, including breakdown of payment history, chain of title and asked for c & d Ive had no response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE
State: NC

Complaint narrative:
Place account in collections and no one informed me or sent me a letter from this company.

Company response to consumer: Closed with explanation