vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX LVNV FUNDING LLC C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX To Whom It May Concern, I am responding to your communication regarding the above-referenced account. I am requesting full validation of this alleged debt pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Please provide the following : The name and address of the original creditor A copy of the original signed contract or agreement bearing my signature A complete payment history, including any fees or interest added Documentation showing that you have legal authority to collect this debt A copy of the assignment or purchase agreement transferring this debt to your company Verification of the date of first delinquency Until proper validation is provided, you must cease collection efforts and reporting of this account to any credit reporting agency. If this account is currently being reported to XXXX, XXXX, or XXXX, I request that reporting be suspended until the debt is fully validated. If you are unable to provide the requested documentation, you must immediately delete this account from my credit file and cease all collection activity. I look forward to your response within the time period required by law. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I came across an article ( see link below ) which states that XXXX, my original loan servicer has been found in violation of loan terms and amounts for which they are supposed to make amends. They were banned in XXXX from servicing federal student loans and agreed to pay {$120.00} XXXX, including {$100.00} XXXX in compensation, to resolve CFPB allegations it had harmed millions of borrowers. XXXX XXXX XXXX They had sold my loans to AidVantage, however, I believe that the amounts owed are fraudulent. I have asked the school ( XXXX XXXX XXXX XXXX ), AidVantage, and Federal Student Aid ( Studentaid.gov ) for my Master Promissory Note to see what I owed after graduating. None of them could not provide it. I took the additional step of requesting it from The U.S. Department Of Education through the Privacy Act of XXXX. I was given a request # of XXXX. The request was acknowledged via email of XX/XX/XXXX. On XX/XX/XXXX, I asked for an update to which I received a response on XX/XX/XXXX that they had over XXXX requests and that it could take 185 days or longer for them to resolve my request. I want to be part of the redress payments from XXXX. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay for this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: MOHELA
State: TX

Complaint narrative:
Mohela is absolutely ridiculous. Per communications from Mohela in XX/XX/XXXX, My account was supposed to be on an administrative forbearance until XX/XX/XXXX. Prior to that, I had autopay enabled and a payment randomly went through on XX/XX/XXXX. They state they cant refund the payment without putting my account in overdraft because refund processing takes 90 days which would be after its due in the first place. Explain to me how that makes any sense? Separately, Ive applied for deferment 2-3x since fall of XXXX, either to be denied for missing information which is always included or them stating they never got my paperwork. The average turnaround time to submit new paperwork each time they claim is 90 days. THEY ARE A TERRIBLE LOAN SERVICER AND SHOULD NOT BE ALLOWED TO MANAGEMENT ANY OF THIS.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: AL

Complaint narrative:
I am submitting this complaint regarding Medical Data Systems Inc and their reporting and collection of an alleged medical debt on my credit report. I previously disputed this account with the consumer reporting agencies pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), and the account was marked as verified. However, I have not received adequate documentation demonstrating that Medical Data Systems Inc has the legal authority to collect this debt or that the information being reported is complete and accurate. Specifically, I have not been provided with sufficient documentation establishing the chain of assignment from the original creditor, nor documentation verifying the accuracy of the amount reported. Additionally, because this is a medical account, I am concerned about whether the disclosure and reporting of my medical billing information complies with applicable privacy and disclosure requirements under the Health Insurance Portability and Accountability Act ( HIPAA ) and related federal regulations. Under federal law, debt collectors and furnishers of information have a duty to report accurate and verifiable information and to conduct reasonable investigations when disputes are raised. Reporting unverified or inadequately documented medical debt may constitute inaccurate or incomplete reporting under the Fair Credit Reporting Act. I respectfully request that Medical Data Systems Inc provide proper documentation validating their authority to collect this account and verifying the accuracy of the information being reported. If they are unable to do so, I request that this account be removed from my credit report. I appreciate the CFPBs assistance in ensuring that consumer reporting and debt collection activities comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: Velocity Portfolio Group
State: SC

Complaint narrative:
Velocity Investments LLC placed a judgement against me on XXXX/XXXX/2026. The debt was accrued XXXX/XXXX/2022. This is outside of the statute of limitations. They did not notify me of a court date and I was not served.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
I am filing a complaints against XXXX XXXX ( Block inc ) due to inadequate customer service and unfair practices which violates the consume financial protection Act ( CFPA ) specifically cashflow to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act and regulation is these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I am disputing the accuracy of the payment/compliance status you are furnishing to XXXX. This account was included in a XXXX XXXX XXXX filed in XX/XX/2020 and XXXX in XXXX. Once included in XXXX, the account can not be reported as delinquent or not paid as agreed. Please correct the payment status to reflect included in XXXX with no delinquency indicators.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In late XXXX or early XX/XX/year>, I purchased a suit at a XXXX store. The sales associate offered me a 10 % discount if I opened what was described to me as a store discount card. I agreed. During the application process, I realized that I was being enrolled in a credit card issued by Citibank. I immediately questioned this, explaining that I did not need another credit card, as I already had several. The associate reassured me and stated the card would arrive quickly by mail. Shortly after the purchase, I moved to another state ( Texas ). I never received the physical credit card, never activated it, and never used it beyond the original purchase. Later, I received notice that a payment was due. I immediately contacted Citibank and asked how to pay off the balance for the suit purchase. I was instructed to go to a XXXX store to make the payment. I confirmed the payoff amount, went to the store, and paid the full amount provided to me. I have a receipt confirming this payment. On the same day, I called Citibank to confirm the payment. I was told that the account had a XXXX balance and was closed. Based on this confirmation, I believed the matter was fully resolved. Approximately XXXX months later, I began receiving phone calls from Citibank. Because I had been told my account was closed and I owed nothing, I believed these calls were fraudulent or scam-related and did not engage further, especially given my limited XXXX proficiency. Months later, I received an email stating that this was a final notice before the account would be sent to collections. I contacted Citibank multiple times. On several occasions, I was either disconnected after long hold times when requesting a supervisor or unable to reach anyone who could resolve the issue. I have now learned that a small residual balance ( approximately {$4.00} ) allegedly remained, and late fees accumulated to approximately {$200.00}. Citibank is reporting late payments, which has significantly damaged my credit score ( from approximately XXXX to XXXX ). As a result, I have been denied business financing for my vehicle rental business. I acted in good faith, paid the full amount as instructed, and relied on XXXX confirmation that the account was closed with a XXXX balance. I am requesting : XXXX. Immediate removal of all late payment reporting. XXXX. Reversal of all fees associated with this account. XXXX. Written confirmation that the account is closed with XXXX balance. XXXX. Correction of all reporting to the XXXX major credit bureaus. XXXX Review of the circumstances under which this credit account was opened and whether proper disclosures were made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: VA

Complaint narrative:
Discover has failed to properly investigate and verify an account they continue to report on my credit file. I disputed this account multiple times requesting proper verification. In response, Discover only provided a general statement summary and didnt provide legally required documentation such as : Original signed agreement Proof of authorization of charges Detailed transaction records Method of verification information Under the Fair Credit Reporting Act, furnishers are required to conduct a reasonable investigation and provide adequate verification when a consumer disputes information. Discover has failed to meet this legal standard and continues to report the account without sufficient proof. I am requesting the following resolution : Immediate deletion of the account from all credit reporting agencies Written confirmation of removal Cease reporting until proper verification is produced This inaccurate reporting is causing harm to my credit standing. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CADENCE BANK
State: AL

Complaint narrative:
The bank charged us a late fee after we put money in the bank. We put money in the day the check came through causing low funds and put cash in the bank then they charged us anyway. Its Cadence/XXXX and they keep saying its not their account it is they bought Cadence. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: KS

Complaint narrative:
On the XXXX of XXXX I tried sending {$300.00} to someone on cashapp, I accidentally sent it to the wrong person. On a case like this cashapp says they cant do anything about it, the receiver must refund you. Luckily I knew the receiver and gave him a call. He said when he tried to refund it cashapp wouldnt allow him as he had a negative {$1000.00} balance. I reached out to customer support and did he so we can get his account readjusted and my refund sent to me. Cashapp does not want to do it and they put me on the hook for there liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ENCLOSED ATTACHMENT REFLECTS A FORMAL INTENT TO FILE A SUIT AGAINST EXPERIAN CREDIT BUREAU WITH SUPPORT OF PREVIOUS FINDINGS FROM THE CFPB AND FAILURE TO PROPERLY VALIDATE THE DEBTS FOR THE FOLLOWING CREDITORS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX. we asking for full transparency or removal of these creditors asap permanently from this 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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: AL

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State ZIP ] [ Date ] [ Debt Collector Name ] [ Debt Collector Address ] [ City, State ZIP ] RE : Request for Debt Validation Account Number : [ Account number if known ] To Whom It May Concern, I am responding to your contact regarding the debt referenced above. Under my rights provided by the Fair Debt Collection Practices Act, I am requesting validation of this debt. Please provide the following : The amount of the alleged debt with an itemization of charges The name and address of the original creditor Documentation proving I am legally obligated to pay Proof that your company is authorized to collect this debt A copy of any contract or agreement bearing my signature Until you provide proper validation, I request that all collection activities cease. I also request that communication be conducted in writing only. Sincerely, [ Your Signature ] [ Your Printed Name ]

Company response to consumer: Untimely response
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My credit line was suddenly reduced, my balance did not change, and this made my account become overlimit only due to issuer action. I was not nor delinquency. I have years of good payment history with American Express. They refused to answer how they would report this new overlimit they created of nearly {$4000.00}. I am requesting suppression of over-limit negative impact where possible, confirmation of accurate reporting, and a formal review of the adverse action. I am not asking for a restored line, I am asking for help mitigating consumer harm created by their process. I was not over limit before their action, I was not late with payments, I have had no fees from them for the years I've been a customer. They refuse to tell me how they will report this on my credit card despite this happening not due to my action but theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: OH

Complaint narrative:
Account closed over 6 years ago. Wanting to know why, and when can I have access back to my account fully.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I am disputing the accuracy of the payment/compliance status you are furnishing to XXXX. This account was included in a Chapter XXXX bankruptcy filed in XX/XX/year> and XXXX in 2020. Once included in bankruptcy, the account can not be reported as delinquent or not paid as agreed. Please correct the payment status to reflect included in bankruptcy with no delinquency indicators.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significanimilconvenience and financial loss, and I seek appropriate redressXXXX ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions + have caused significant inconvenience and financial loss, and I seek appropriate redres. for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: KS

Complaint narrative:
I noticed over XXXX dollars was taken out my Cash App to two individuals who I never sent money to and I have reached out to Cash App and no ones trying to help

Company response to consumer: Closed with explanation