vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I received a Visa debit card from XXXX XXXX XXXXXXXX XXXX, a subsidiary of Fiserv , Inc. with a balance of {$700.00} which was a " middle class tax refund '' issued by the State of California. The card does not work. The phone number is not answered. The phone number on the statements issued to me is not answered. I can not access my {$700.00}. I want the company to issue me a check for {$700.00}.

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 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX between approximately XXXX and XXXX p.m., my Cash App account was hacked and an unauthorized transaction of {$49.00} was sent to another user without my permission. 

I reported this immediately and requested a refund. It has now been XXXX days, and I have not received a refund or any response from Cash App regarding this matter. My account was compromised, I was hacked and scammed, and this transaction was not authorized by me. 

I am requesting my refund as soon as possible and a response addressing this issue.I am following up on my report of unauthorized transactions on my Cash App account that were caused by hacking. I reported this issue immediately, and it has now been approximately XXXX  days with no resolution or refund. 

These transactions were not authorized by me, and my account security was compromised. I have fully cooperated with your investigation and provided any requested information. Under Cash Apps policies and applicable consumer protection laws, unauthorized transactions should be resolved within a reasonable timeframe. 

Please provide : A clear status update on my case The reason for the delay A specific timeline for when my refund will be issued If this matter is not resolved promptly, I will be forced to escalate the issue by filing complaints with the appropriate consumer protection agencies and my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Cease and Desist Notice Debt Collection Communications XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> To Whom It May Concern, This letter serves as formal notice that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and applicable Illinois law, and hereby demand that you cease and desist all communication with me regarding any alleged debt or account. 
You are instructed to : Cease all telephone calls, letters, emails, text messages, and other forms of communication Communicate only in writing if required by law Refrain from furnishing, verifying, or continuing to report inaccurate, incomplete, or disputed information This notice is not an acknowledgment of any debt, nor is it permission to continue collection or reporting activity.

Any further contact beyond what is legally permitted may be considered a violation of federal and state consumer protection laws and could result in legal action. 
Please confirm in writing that you have received this notice and that my request has been honored. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
date of service from XXXX and showing on my credit as of XXXX with an amount that should've been settled with insurance or contacted me about debt so I could pay or make arrangements

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 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
CREDIT SYSTEMS INTL IN is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT SYSTEMS INTL IN 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 response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: SC

Complaint narrative:
PLAZA SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research PLAZA SERV 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 response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding Jefferson Capital Systems reporting of an alleged collection account originally with XXXX. This account was closed in XXXX, but Jefferson Capital Systems is reporting a date opened of XX/XX/XXXX, which inaccurately makes the account appear newer than it is. This is incorrect and misleading reporting. 

I previously sent written correspondence to Jefferson Capital Systems asking them to respond regarding this account, but I did not receive any response. The account continues to appear on my credit report in a way that is not accurate. 

I am requesting that Jefferson Capital Systems delete this account from my credit report, because it is being reported with inaccurate dates and is misleading. I also request a written response confirming the deletion. 

This complaint is not an acknowledgment of liability, ownership, or validity of the alleged debt. I am disputing the accuracy of how this account is being reported and seeking fair communication and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Accelerated Receivables Solutions
State: IN

Complaint narrative:
I have been called over 11 times since XX/XX/, by the same company under different masked phone numbers. The company has not emailed me, sent me physical mail, or tried to contact me any other way. They say they are ( XXXX ) XXXX, under accelerated receivable solutions. They say their website is XXXX I have not returned their call nor visited the website because I am weary it is a scam. I do not have any debt that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Was shorted XXXX and charged excessive overdraft fees and on my advance I was over charged XXXX dollars also I disputed a transaction and they approved it then took it from my account 3 months later with no warning and over drafted my acct. Dates were XX/XX/XXXX and XX/XX/XXXX and part of XX/XX/XXXX This bank makes alot of mistakes I went in 2x to the XXXX XXXX XXXX location trying to resolve this i had no luck

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/year> Midland Credit Management XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX RE : Request for Validation of Alleged Debt under 15 U.S.C. 1692g To Whom It May Concern, I am responding to your recent communication regarding an alleged debt you claim I owe. This letter is a formal request for validation of the debt pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Please provide the following : 1. The name and address of the original creditor 2. The amount of the alleged debt, including a detailed breakdown of principal, interest, fees, and other charges 3. Verification of the debt, such as : A copy of the original signed
contract or agreement A complete account history ( all charges, payments, interest, and fees ) 4. Proof you are legally authorized to collect this debt in my state 5. A copy of your debt collector license, if required in my state 6. If the debt was transferred or sold, provide documentation showing the chain of title from the original creditor to your agency. 

Under the FDCPA, you must cease all collection efforts until you provide the requested validation. This includes calls, letters, reporting to credit bureaus, or pursuing legal action. 

If you can not validate this debt, you are required to : Cease all collection efforts Notify all credit reporting agencies to remove any negative information you furnished regarding this account Please send all documentation to the address above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX  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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: WI

Complaint narrative:
XXXX was took off my cash app and I filed a police report I was trying to get my money back asap

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
XXXX XXXX Department admitted on a recorded call that a redemption quote was generated for my account on XX/XX/XXXX and XXXX and that I was provided a XXXX window to pay XXXX. I relied on that quote and prepared payment. When I called within the window on XX/XX/XXXX, Ally delayed me and then claimed the quote was wrong and increased the amount to {$4700.00}. I was told escalation was not available. I am disputing the change in terms and requesting Ally honor the original redemption quote.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
In 2021, my federal student loan showed a {$0.00} balance and I received no billing or communication. I reasonably believed my loan was forgiven or resolved. I later discovered this year when I checked my credit score that it was placed in collections without notice. I am requesting review, documentation of all attempted contact, and correction of any reporting errors.

I have contacted aidvantage and they say that they do not have any communication records. They say they have called me about this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I was XXXX  days late on my payment to chase bank on a credit card account. They closed my account without telling me and Im unable to make payments due to the closing of the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/year>, I sent an international wire from my bank, XXXX Bank, for XXXX  XXXX to a USD account owned by XXXX of my vendors in the XXXX. Their bank is XXXX XXXX. 

There were XXXX intermediary banks ; Bank of America in NY and XXXX XXXX. The wire was rejected on XX/XX/year> by XXXX XXXX because the cover fees were set to be paid by the beneficiary but they should have been paid by the originator. 

The funds are confirmed not with XXXX XXXX and likely not with XXXX XXXX as the beneficiary 's bank mentioned around XXXX  days ago that it is out of their sight at this point. It is highly likely that the funds have been with Bank of America for around XXXX weeks. 

XXXX has sent several XXXX traces and recalls for this, I believe the first recall was on XX/XX/XXXX with the first trace being before that. However, they have not heard anything back from Bank of America at all. I've also noticed that this has happened to many others, specifically with Bank of America as the intermediary bank. 

I have tried calling the wire inquiry team, client support team, wire support team, wire investigation team, etc. with Bank of America but none of them would give me any information since it didn't originate from a Bank of America account. Now I have been without $ XXXX for several weeks and it has been detrimental to my business. 

XXXX XXXX Case # XXXX : XXXX XXXX Wire Case # XXXX : XXXX XXXX  : XXXX Fed Ref # : XXXX TraceID : 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 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This company only identified themselves as XXXX working for Bank of America and refused to give information about mailing or contacting them. 
They are using abusive tactics trying to elicit emotional responses, and trying to say i have people in my life opening lines of credit with my information. They kept trying to force me to say the debt is mine. I told him that they care that it is paid but i am not paying what is not mine. 
I have received multiple calls with someone claiming i will have a judgment against me or a parcel that must be delivered to my home or they will be forced to come to my job. Not once even when i call would they fully verify the company but tell me they are going to visit my job, collect money, and my wages will be garnished, and I will owe them XXXX the amount they claim i owe. Today, XXXX, I called them back to find out what the calls are in reference to. They talked about Obama and that now they are coming after the debt with law changes. Supposedly, this debt happened in 2005. They could not provide accurate addresses and kept saying they would go to my job and garnish my wages. I told them the debt is not mine, and I have no idea about it ( they are mentioning things that have never been on my credit report. They said they will drop my XXXX XXXX by XXXX points. They refused to fully identify themselves and only gave me the initials XXXX and threatened multiple times to mess up my credit, saying I had no choice but to pay. They said it was too late to send me information because they were past that and getting judgments against me. They looked up previous addresses and started naming people who lived at those addresses, claiming to help me locate who might have opened the account ( trying to cause drama ). They even brough up people they thought i dated or was in a relationship with saying they are trying to " help me ''. They also said my social and other personal information out loud in an attempt to intimidate, telling me that they did background check on me. They even started talking about my current assets and said that they are using the law to come after me.Not once has information been sent to my actual address on file.

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 2026-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: NV

Complaint narrative:
I was never notified of this collections debt prior to it hitting my credit. When I became aware of the debt, I paid it with the understanding that the account would not show on my credit report anymore. Caine and Weiner led me to believe this account was to be fully deleted from reporting to my credit upon issuing payment. Please make this right by deleting the account from reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Village Capital & Investment LLC
State: TX

Complaint narrative:
Objective : Brief recap on prior negligence on not performing escrow analysis is XXXXXXXX XXXX XXXX resulting in a large negative escrow balance. With no communication from the lender on this negative amount for over 2 years. In additions XXXX did not have the correct full address on file so we did not receive any tax correspondence for 2 years as well. XXXX has documentation of this returned mail. Regardless the servicer should be responsible for maintaining annual escrow analysis. 



Previous Complaint IDs : XXXX XXXX XXXX Following these complaints we worked directly with the Reputation Management Manager - XXXX XXXX. The CEO : XXXX XXXX XXXX XXXX XXXX Legal Executive. We were assured, in writing that when catching up on our escrow balance that this would include calculations into the current tax year so we can verify staying caught up. 



Negative escrow balance of XX/XX/XXXX we have an {$11000.00} escrow balance on the account. Which should have been factored into the monthly installments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
After my last complaint, there seems to an issue, possible retaliation, that my deposits are limited via ATM. Atm allows up to XXXX bills for deposit, yet the wells Fargo will not allow me to deposit via ATM. States I must go inside. I went inside to make to deposit and spoke with banker. I asked why I can't deposit via ATM. They said they have set a limit on my deposits and would not say what that amount is nor the frequency. 
This seems very retaliatory from previous complaint.

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 2026-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
Someone used my info to open credit cards. The accounts are now closed and have been sold to a third party. They are now suing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: SC

Complaint narrative:
I am filing a complaint regarding inaccurate and improper credit reporting by Discover Card. My Discover credit card account was charged off around XX/XX/XXXX. Since that time, Discover Card has continued to report the account with repeated monthly charge-off statuses throughout XXXX and into XXXX, creating the appearance of ongoing new delinquencies. 

I disputed this account with XXXX, and XXXX  completed its reinvestigation but stated that the account was verified and no changes were made, relying solely on Discover Cards response. Neither XXXX  nor Discover Card provided me with documentation showing how the continued monthly charge-off reporting complies with the Fair Credit Reporting Act, including verification of the original delinquency date, charge-off date, or reporting methodology. 

A charged-off account should not be improperly re-aged or reported in a manner that creates the appearance of new or ongoing delinquencies. I am requesting that Discover Card either provide full documentation demonstrating that its charge-off reporting is accurate and compliant with FCRA requirements, or correct or delete any inaccurate or unverifiable information being reported. 

The continued reporting of this account is materially harming my creditworthiness, and I am requesting a reasonable investigation and appropriate correction.

Company response to consumer: Closed with explanation