vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TomoCredit Inc.
State: CA

Complaint narrative:
I requested cancellation of my TomoBoost subscription on XX/XX/year>. On XX/XX/year>, the company responded but did not process my cancellation request and instead sent retention messaging asking why I wanted to cancel. I have followed up multiple times over the past three months requesting cancellation, but my requests were not honored. Despite my cancellation requests, the account has remained active. Recently, I received a notice stating that my payment is late, even though I canceled the service and no longer authorize any billing. The company has failed to process my cancellation and continues to treat the account as active despite my repeated requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Flexible Finance, Inc.
State: CA

Complaint narrative:
Today is XX/XX/year>. On XX/XX/year>, I transferred {$210.00} from my personal checking account into my Flex ( Flexible Finance, Inc. ) account to use toward rent for XX/XX/year>. Shortly after, on XX/XX/year>, I canceled my membership because I no longer needed the Flex Finance service. My {$210.00} remains in my Flex account balance with no way for me to remove my {$210.00}. The app clearly shows that my {$210.00} balance is available for withdrawal. However, every attempt to withdraw the funds results in a technical error message stating that something went wrong. All of the correspondence with Flex Finance is done through an app. There is literally no way to contact a live person. Even the customer service is provided with done an AI bot. I have contacted Flex multiple times ( 5 plus times ) attempting to go through their support channels and have been given the runaround without any resolution. They have not returned my funds and have not provided a way for me to access my money. This is preventing me from accessing my own funds. I am requesting the immediate return of my {$210.00}. It has been since XX/XX/year>, ( 51 days ) of my funds sitting in my account which I am unable to access. I paid my XXXX rent to my landlord. I do NOT owe monies to Flexible Finance Inc. Why is my money not being returned to me??

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: TX

Complaint narrative:
Account is not mine. Account is LVNV Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My bank account was frozen due to an IRS levy. I have already resolved the issue with the IRS, and they confirmed they contacted TD Bank by email on XX/XX/year> at XXXX XXXX. However, my account remains frozen. I contacted the bank multiple times and visited two nearby branches, requesting the reason for the freeze, the steps required to unfreeze it, and a timeline for resolution, but I did not receive a clear response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Subject : Formal Complaint and Demand for Deletion of Unverified Debt Under FCRA To Whom It May Concern, I am filing a formal complaint against a debt collector and/or furnisher of information for reporting an alleged debt that has not been validated and remains completely unverified. Despite my formal dispute and request for validation, the reporting party has failed to provide any competent evidence that this debt is legitimate, accurate, or legally enforceable. They have not produced a signed contract, a complete payment history, or any documentation proving I have a legal obligation to pay this alleged debt. This conduct is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 1681s-2, which require that all information reported to consumer reporting agencies be accurate, complete, and verifiable. Reporting a debt without proper validation constitutes the reporting of inaccurate and unverifiable information. Additionally, under 15 U.S.C. 1681i, once a dispute has been filed, the furnisher is required to conduct a reasonable investigation and verify the information. Failure to do so mandates the deletion of the disputed item from my credit file. No such reasonable investigation appears to have taken place, as no proof has been provided. At this point, the continued reporting of this alleged debt is willful noncompliance with federal law. Therefore, I am demanding the following : - Immediate deletion of the unverified and inaccurate account from all credit reporting agencies- A full investigation into the reporting entity for violations of the FCRA - Written confirmation that this matter has been resolved and the account has been removed I expect the CFPB to enforce compliance with federal law and hold the reporting party accountable. If this matter is not resolved promptly, I am prepared to escalate further, including pursuing legal action for willful violations of the FCRA, which may include statutory damages, actual damages, and attorneys fees. This complaint is submitted in good faith and is supported by my prior dispute attempts and the complete lack of validation provided by the reporting entity. I expect timely acknowledgment and resolution of this 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 2026-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
Mercedes-Benz Financial Services is reporting an involuntary repossession account under three different entity names across the three bureaus : MERCEDES BENZ FINANCIAL on XXXX, MERCEDES-BENZ FINANC on XXXX XXXX and MB FIN SVCS on XXXX. This is a joint account being attributed to my individual credit file. I have not been provided with documentation establishing my individual legal liability for this joint account debt. The repossession is reported with a {$16000.00} balance and is harming my creditworthiness without verified individual liability documentation. Account ( s ) : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
am filing a complaint regarding denied fraud claims with my financial institutions, including Navy Federal Credit Union and XXXX. I was the victim of a scam involving payments totaling {$1500.00} ( {$500.00}, {$600.00}, and {$400.00} ) sent through my accounts and XXXX XXXX for services that were never rendered. The individual misrepresented their services, accepted payment, and failed to deliver anything promised. After payment, communication stopped completely. I filed disputes with both institutions, but my claims were denied on the basis that the transactions were authorized. However, these payments were made under fraudulent circumstances and should be treated as fraud by deception. I have : Filed a police report documenting this fraud Retained evidence including messages and proof of non-delivery Attempted to resolve the matter with the merchant with no success

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau Complaint Subject : Unauthorized Transaction Cash App Refusal to Refund I am submitting this complaint regarding an unauthorized transaction processed through Cash App that I did not approve. My device was lost they did not investigate that deep because they would have known I have a brand new mobile device. I have tried numerous of times to correct this matter. Account Information : XXXX XXXX Cash App Username $ XXXX XXXX Transaction Details : - Date of Transaction : XX/XX/year> - Amount : {$4800.00} - Transaction ID # XXXX Description of Issue : On the date listed above, a transaction was made from my Cash App account that I did not authorize. I did not initiate, approve, or benefit from this transaction. This appears to be fraudulent activity. I promptly reported the issue to Cash App and submitted an appeal. However, my claim was denied without sufficient explanation or proper investigation. Why This Is an Issue : Under federal law, including the Electronic Fund Transfer Act ( Regulation E ), consumers are protected from unauthorized electronic transactions. I took immediate action upon discovering the unauthorized charge, yet Cash App has refused to provide reimbursement or resolution. Requested Resolution : I am requesting : 1. A full refund of the unauthorized transaction amount 2. A detailed explanation of how this transaction was authorized 3. A proper investigation into the fraudulent activity on my account Additional Information : - I have attached supporting documentation, including transaction records and any communication with Cash App - I am also pursuing this matter with my financial institution I respectfully request that this issue be reviewed and resolved promptly. Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: MD

Complaint narrative:
There has been unauthorized use of my identity and debit card w/ XXXX XXXX. This has been going on for about 1.5 weeks to 2 weeks now Someone was able to access my information social name dob address while my account was supposed to be locked. They withdrew my entire XXXX check oit of the atm in Florida. Im in Maryland and Im having trouble getting XXXX XXXX on the phone and Im having trouble getting them to give me my money back because I didnt authorize any of the withdraws. These scammers also somehow got into my account and changed my MARYLAND address to an FLORIDA address unauthorized. I had a replacement card sent to my Maryland address on XX/XX/XXXX or XXXX and it arrived today XX/XX/XXXX but the card is now now active for some reason and it keeps saying its invalid I need help please

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-14 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: Atlanticus Services Corporation
State: CO

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding unauthorized charges on my XXXX credit card account and the companys refusal to properly investigate or resolve my dispute. On XX/XX/year>, while traveling in XXXX, I lost my wallet. At the time, I was unsure which specific cards were in my possession, as I do not always carry all of my credit cards when traveling. Later that evening, I logged into my financial accounts to check for any suspicious activity. At that time, there were no transactions on the card in question, leading me to believe that either I had not brought that card with me or that my wallet may have been recovered. After returning home from my trip, during which I experienced a stressful situation in XXXX XXXX, I realized that my XXXX credit card was not in my possession. Upon reviewing my account again, I discovered unauthorized charges had been made. I immediately reported the card as lost/stolen and provided XXXX with all relevant details. Because I do not frequently use this credit card, I did not immediately notice that the charges remained on my account. After several weeks, I contacted XXXX and was informed that they could not provide details but that a letter had been sent to me. I had not received any such correspondence at that time, and they stated they would resend it. Upon receiving the letter, I was informed that my dispute had been denied. XXXX claimed this decision was based on alleged login activity and that I had opened an email containing transaction information. This claim is inaccurateI did not review any such email, nor did I authorize these transactions. I contacted XXXX again to explain the situation, but I was told that without new physical evidence, they would not reopen the dispute and that I should have locked my card sooner. I requested to speak with a supervisor, but I was told none were available and that I would receive a callback, which has not yet occurred. I find this response unacceptable. I reported the fraud as soon as I became aware of the unauthorized charges, and I should not be held liable for transactions I did not authorize. I am requesting the following : Immediate removal of all unauthorized transactions from my account. As well as assurance that my consumer rights under federal law are being upheld. I appreciate your assistance in resolving this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Marlette Funding, LLC
State: TX

Complaint narrative:
Company : XXXX XXXX XXXX XXXX XXXX. Product : Debt Collection Issue : Attempts to collect debt not owed / false representation Complaint Narrative I am submitting this complaint regarding XXXX XXXX XXXX attempt to collect on an alleged debt that has previously been disputed and remains unverified. This account originates from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I previously disputed this account with both the furnisher and the credit reporting agencies. In CFPB Case XXXXXXXX XXXX XXXX failed to provide sufficient documentation to validate this debt, including proof of identity verification, account authorization, or lawful method of verification. Despite this, the account appears to have been transferred or sold to XXXX XXXX XXXX, which is now attempting to collect on the same unverified debt. XXXX has contacted me regarding this account but has not provided any documentation establishing : That the debt is valid That I authorized the account That XXXX has lawful ownership and right to collect A complete chain of title from the original creditor This raises serious concerns that XXXX is attempting to collect on a debt that has not been properly validated and may be inaccurate or unverifiable. I have formally disputed this account and requested full debt validation. As of this complaint, XXXX has not provided the documentation required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I am not admitting nor denying liability for this account. I am exercising my rights to request proper validation. For clarity, this request is being submitted by me directly and on my own behalf. I am not using any third party, credit repair organization, or representative. This has already been indicated in my CFPB submission. Any attempt to delay, redirect, or avoid responding based on assumptions of third-party involvement is improper. I am simply requesting full and complete debt validation as required under applicable law, and your response should address the documentation requested without delay or diversion. Legal Concerns XXXX actions may constitute violations of : FDCPA ( 15 U.S.C. 1692e ) False or misleading representations FDCPA ( 15 U.S.C. 1692 f ) Unfair collection practices FDCPA ( 15 U.S.C. 1692g ) Failure to provide proper validation Attempting to collect or report a debt that has not been properly validated, especially after prior disputes, is improper and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management is reporting account XXXX with a {$5100.00} balance on all three bureaus simultaneously alongside the underlying XXXX charge-off account, creating double-reporting of the same debt. The payment history for this collection account shows Data Unavailable gaps for virtually all periods, making the account history unverifiable. Midland Credit Management has not provided validation of this debt including the original signed credit agreement, complete payment history from inception, chain of ownership documentation, or itemized balance breakdown.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Subject : Request for inter-bank coordination and formal confirmation of " Recall '' impossibility to release trapped funds. Description of the issue : I am filing this complaint against JPMorgan Chase regarding a deadlock between Chase and XXXX XXXX XXXX XXXX ) that has left my funds ( {$20000.00} ) inaccessible. 1. Background : In XX/XX/year>, I transferred {$20000.00} from my Chase Checking account to my XXXX Savings account. A subsequent {$100.00} transfer back to Chase was successful, leaving a principal balance of {$20000.00} at XXXX. 2. The Conflict : In late XXXX, XXXX restricted and closed my account for " business reasons. '' XXXX informed me that they would not release my principal balance unless Chase initiated a " Recall '' of the original XXXX transaction. 3. Chase 's Refusal : On XX/XX/year>, I visited a Chase branch to request this recall. The Chase representative informed me that a recall is technically impossible because the transaction was settled more than 90 days ago, which is outside the standard banking window for such requests. 4. The Deadlock : When I informed XXXX of Chases response, XXXX insisted that the ONLY way to get my money back is through a Chase-initiated recall. Chase, on the other hand, has provided only a verbal refusal without offering to coordinate with XXXX or providing a formal written statement that I can use to pressure XXXX to release the funds. 5. Conclusion : I am caught between two major financial institutions. XXXX is using Chases inability to perform a " Recall '' as an excuse to withhold my money. I need Chase to take proactive steps to break this deadlock.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CDI Affiliated Services, Inc.
State: OR

Complaint narrative:
I am submitting this complaint regarding a disputed account that has been placed with a third-party collection agency and reported to a consumer reporting agency without proper verification or documentation. The account is alleged to originate from XXXX XXXX XXXX following a move-out on XX/XX/year>. After vacating the residence, I expected a final, accurate bill based on an actual meter reading. However, I did not receive a complete, itemized final statement clearly showing the billing period, meter read, or calculation of the balance. Despite the lack of proper documentation, the account was referred to a third-party debt collector, CDI Affiliated Service , and subsequently reported to a credit reporting agency, including XXXX. I formally disputed this account and requested validation from the collection agency pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). To date, adequate validation has not been provided. This raises concerns regarding : The accuracy and completeness of the information furnished by XXXX XXXX XXXX The collection agencys ability to substantiate the debt it is attempting to collect The furnishing of potentially inaccurate or unverified information to consumer reporting agencies in violation of the Fair Credit Reporting Act At this time, I am requesting that both the original creditor and the collection agency provide complete documentation supporting the alleged balance, including : Final bill statement Billing period covered Meter read date and reading used Confirmation of whether the read was actual or estimated Itemized breakdown of all charges Documentation showing the account was properly assigned or transferred for collection Verification that the account has been accurately matched to me This complaint is a formal dispute of the accuracy and validity of the reported account. I do not acknowledge liability for the balance. If the account can not be fully substantiated with complete and accurate documentation, I request that : The account be withdrawn from collections Any credit reporting associated with this account be deleted Any inaccurate or incomplete information be corrected immediately I also request that all responses be provided in writing. Desired Resolution : Full validation of the alleged debt Correction of any inaccurate billing Deletion of the collection account if not properly verified Cessation of collection activity if unsupported

Company response to consumer: Closed with explanation