vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
URGENT Escalation of Complaint # XXXX Violation of XXXX XXXX XXXX I am a New York resident and XXXX XXXX XXXX XXXX. This is a formal escalation of Case # XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is currently in open violation of N.Y. Gen. Bus. Law 604-bb and 15 U.S.C. 1681c-2. 

Legal Sufficiency Met : On XX/XX/year>, I served XXXX a formal Notice of Coerced Debt via Certified Mail ( # XXXX ). This included an FTC Identity Theft Report ( # XXXX ) and a XXXX XXXX. Under N.Y. GBL 604-bb ( 1 ) ( a ), an FTC Identity Theft Report is " Adequate Documentation. '' No further proof is legally required.

The Violation : Per N.Y. GBL 604-bb ( 3 ) ( a ), FCO had 10 business days to notify all credit bureaus of this dispute. They have failed to do so. Instead, they issued an illegal stall letter demanding rental leases and utility bills from XXXX. 

Illegal Demands : FCOs demand for housing records from the period of my abuse is not supported by statute and serves only to compromise my safety and delay my legal right to a debt block. Under N.Y. GBL 604-bb, a creditor can not demand additional residency proof once an FTC report is provided.

Harassment : FCO continues to harass me and has targeted my minor child with predatory requests during recorded interactions.

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 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On Monday XX/XX/XXXX I was informed that my Venmo account was permanently deactivated, this occurred after I got a new phone and tried logging but couldnt remember my password, so once I reset it and submitted my ID and proper documents I was able to log just fine, but the next day I received the email that my account was deactivated, the issue at hand is not the account being deactivated, its the money that is in there. There is {$54000.00} in my business account XXXX XXXX  and {$2400.00} in my personal account XXXX XXXX .

The bulk of my life savings and business funds are in those accounts, I can not live, conduct business, or pay my upcoming taxes without those funds which screams the urgency of this issue. Venmo is trying to hold my funds for 180 days without explanation, I was on the phone with them every day for the last 3 weeks and they keep saying they are trying to make an appeal and overturn my account status, as Ive never had an issue or any wrongdoings on Venmo. After 3 weeks and barely any communication back from them I decided it was time to file this complaint. All I want is my money in the accounts to be transferred to my bank account immediately so I can live my life normally and pay my taxes. I will attach the screenshots of the emails I received from Venmo as well as the pictures of the funds in both of the accounts. There is no reason why that amount of money is going to sit there without the ability for me to transfer for 180 days, this is a common Venmo scam that they pull to earn interest from my money, often times I read they dont end up transferring the funds at all. I offered to even go to the headquarters and pick up a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I am submitting this complaint regarding Ally Financial Inc./Ally Servicing LLC and XXXX XXXX XXXX regarding a vehicle transaction on XX/XX/year> ( VIN : XXXX ). 

FACTS : On XX/XX/year>, I attempted to purchase a vehicle. Critical documents were forged the " Motor Vehicle Work '' sheet bears a signature that is NOT mine ( forgery ). The dealership also failed to provide legally required documents including the Odometer Disclosure Statement.

Following the transaction, I received a document purporting to be a refund check that appears fraudulent it contains a " WATERMARK ON BACK '' instruction, inconsistent XXXX currency, and is labeled " REMITANCE ADVICE '' rather than a negotiable instrument. 

I executed all documents under protest and reservation of rights pursuant to UCC 1-308.

VIOLATIONS : Forgery/fraud in contract execution Failure to provide TILA disclosures and required documents Bad faith dealing and attempted deception via fraudulent remittance RELIEF REQUESTED : I request that the CFPB investigate and order : Full rescission of the alleged contract Return of all monies paid Removal of any credit reporting related to this account Civil penalties against Respondents Attachments : I will upload copies of the forged document, the fraudulent check, and all relevant paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Finance System of Richmond, Inc.
State: TX

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt.

This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation.

Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

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 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 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
During 2025 I bought a house and shortly after I received a check in the mail from the utility company. I believed the checks were for me due to them being labeled XXXX XXXX XXXXXXXX, and addressed to my new address. I deposited the checks into my account and several months later my account was froze due to potential fraud. I reached out to the company and gave them all the information I had. A couple months later the other party 's lawyer reached out to me and insisted returning the funds in order to avoid legal troubles. I tried contacting my bank and informing them I would be making a payment to the other parties lawyer. Ive made the payment, shortly after I informed the bank the debt was paid. The bank has a yet to mail anything regarding the situation and has refused to make any contact with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Halsted Financial Services, LLC.
State: IA

Complaint narrative:
I have discovered two collection accounts on my credit report from " XXXX XXXX XXXX '' ( managed by XXXX ) that I do not recognize and have never properly validated. The account numbers end in XXXX and XXXX. I have now received a collection notice from a third-party collector, Halsted Financial Services ( XXXX # XXXX ), attempting to collect on this unverified XXXX account. 

I am demanding strict validation of this alleged debt under the FDCPA. This debt buyer has failed to provide : 1 ) The original wet-ink contract bearing my signature.

2 ) The full chain of title showing the legal assignment of the debt from the original creditor ( XXXX XXXX ) to XXXX XXXX. 
3 ) An itemized accounting of the balance including how fees were calculated.

Without this strict proof, they have no legal standing to collect or report this derogatory information. The continued reporting of this unverified debt is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I demand they immediately cease collection efforts and DELETE these trade lines from all credit bureaus ( XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint to formally dispute the reporting of collection accounts that are inaccurate and do not belong to me. I regularly review my credit reports and recently identified discrepancies that were not previously present. These accounts were reported without my knowledge or authorization.

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 2026-02-17 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: Affirm Holdings, Inc
State: MI

Complaint narrative:
I am writing regarding a car detailing package I purchased through Affirm with XXXX XXXX. The detailing company canceled my order and never performed the service, yet I am still being billed for the purchase. 

I have contacted XXXX XXXX multiple times requesting a refund or confirmation that the transaction has been voided, but I have not received any response or resolution. Despite this, Affirm continues to send daily payment reminders for a service I never received. 

Please investigate this matter and either process a refund or cancel the financing agreement associated with this purchase as soon as possible. I am happy to provide any supporting documentation if needed. 

Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

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 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I received an email from a company called XXXX last summer statiung they needed a second verification of a charge I supposed made with them with a " gift the charge reappearecard '' I replied that I did not make this charge and that it was XXXX fraud. dulant. They processed the charge anyway., I contacted Citi Thank You Card services to report that was valid. After several phone calls, they removed the charge from my account, closed that card account and re-issued me a new credit card In XXXX of last year, the fraudulant charge reappeared on my new card using the old invalid card number. I contacted Citi Thank You Card services AGAIN and after XXXX months over talking to severalm people in the fraud division, I received a letter stating that the charge had been removed again.ovided all the correspondence confirming the fraud, bogus IP address I found in the documentation provided by Citi and I thought this was the end of the problems. I am still being charges the fraudulant amount, plus interest each month. I sent a minimum of XXXX requests on line to Citi about this through their propritary online site - none of which has ever been addressed, responded to, or taken action on since the second fraudulant charge showed up. My phone calls have been acknowledged, yet no correction in my account has been made and the bogus charges still continue. IS there anything that can be done other than legal action against this continuing fraud to stop this harrassment and overcharging for something I NEVER ordered, purchased, or benefitted from in any way?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-17 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: TX

Complaint narrative:
Square debited {$3600.00} from my linked bank account to satisfy a negative balance on a separate Square account that does not belong to my business and is not connected to my XXXX. Square has confirmed in writing that the accounts are not linked and represent separate business entities. Despite this confirmation, Square exercised an offset and withdrew funds from my bank account.

I dispute this debt entirely. I did not authorize this debit for the other account, and Squares own communication acknowledges the entities should not commingle funds. Square closed its internal review and labeled the decision final without correcting the debit. 

When I contacted support, I was pressured to admit ownership of the other account and was told to file a police report for identity theft, even though I am disputing that the debt belongs to my business. 

This appears to be an improper offset and unauthorized ACH debit.

Because Square has placed my restaurants account into a negative balance and is restricting access to funds, I am incurring late fees and additional financial penalties on business obligations that would otherwise have been paid on time. These damages are directly caused by Squares improper application of a debt that does not belong to my restaurant. I reserve the right to seek recovery of these financial losses resulting from the restricted access to my business funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This tradeline is being reported inaccurately under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 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: GA

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 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 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One is intentionally sending the wrong dispute documents. I made a complaint to send the correct documents last week, and today XX/XX/XXXX at XXXX XXXX they sent the same thing again. I have attached below what they keep sending me. In XX/XX/XXXX, XXXX did not deliver correctly, costing me XXXX XXXXXXXX in lost money. I provided Capital One the documents and told them how XXXX also told me to send a picture of my door to get the rest of my money back to prove the items were not delivered to the right place, which they ignored after I provided it, even though it showed it was incorrectly delivered. They had already stated I would be refunded and then proceeded to only refund less than half of the order after stating they would refund it in full. 
I let Capital One know how XXXX lied and also sent me the wrong item and charged me a return fee, and I have not been able to send a rebuttal. I have not been able to send a rebuttal because Capital One is also lying about the reason for denial. They state it was authorized, when my dispute was never about authorization ; it was about not receiving what I paid for, which Capital One is intentionally ignoring and not investigating. I have sent a complaint to the OCC and will be sending another one, as they are intentionally not investigating the dispute and intentionally sending the wrong documents to me via email. They only sent one correct document, which was for a {$140.00} dispute where XXXX sent me the wrong item, and when I returned the wrong item they sent me, they charged a restocking fee and kept almost 95 % of my money. I am owed $ XXXX from XXXX that Capital One is refusing to investigate. Capital One is intentionally ignoring the actual basis of my dispute and failing to conduct a proper investigation, which constitutes deceptive and unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
This is a debt from XXXX XXXX ( XXXX XXXX ) which was an apartment I defaulted on in XXXX. From my understanding I had gotten a notice in the mail that XXXX under went litiagation for something to do with security deposits. The the debt went to Kimbal Tirey St John and they are reporting the debt at being delinquent in XXXX which is false. This debt is XXXX years old. I default occurred during the middle of the pandemic ( XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/year> XXXX unauthorized ATM withdrawals of {$40.00} each totaling {$480.00} occurred in XXXXXXXX XXXX beginning at approximately XXXX. 

I was physically at work in XXXX, IL at the time and have proof of my location. I also have a receipt from XXXX in XXXX at XXXX XXXX  shortly after the withdrawals began. 

I was in possession of my physical debit card at all times and have never shared my PIN with anyone. 

I reported the fraud immediately. The bank denied my dispute stating the correct PIN was used. However, I believe this may be a case of card cloning or skimming.

I am requesting a reinvestigation under Regulation E as I did not authorize these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nelnet, Inc.
State: PA

Complaint narrative:
As of XX/XX/year>, I was contacted and told that my information could have been included in a data breach and that Nelnet is apart of a Class Action Lawsuit, I checked my credit and noticed that the Nelnet amounts have increased by a substantial amount as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
RNT DEBT is falsely reporting on my credit. I have never had any accounts with them. Per my research RNT DEBT 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 2026-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am a co-borrower on an auto loan. The other borrower has taken an additional loan for payments owed that I did not authorize. Capital One says the other borrower has all rights to request and have granted. I signed ( under duress i might add ) for a certain term and payment amount. I have the right to be notified if there is in fact any change. As of now this increases the monthly amount of the note and the years or time to be paid. 

My signature approved a certain payment amount. Not this new payment amount. This can not be ethical or legal to dol

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: CA

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 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