vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
The company 's first response does not accurately reflect the circumstances surrounding this matter. I provided written notice of my intent to vacate through an email chain on XXXX XX/XX/year>, that was well in advance of the 60 day notice. Documentation of this notice has already been uploaded with my complaint. At the time the notice was provided, the property was under different management. A change in property management does not invalidate notice that was already given and documented. I also vacated the apartment on the proper and agreed-upon move-out date. There was no holdover tenancy, I was moved out on XXXX XX/XX/year>. I have proof of that as well. The unit was surrendered as required under the lease. The keys for the apartment and mailbox were left in the apartment due to management not being in the office when I was done removing everything from inside the office and me having to leave due to military agreements the following day. Additionally, my security deposit was not applied toward any alleged damages or repairs to the apartment. I did not receive documentation showing that the deposit was applied toward " legitimate charges ''. This raises concerns that the balance they are attempting to collect is inaccurate or unsupported. Under Florida Statute 83.49, if a landlord intends to impose a claim against a tenant 's security deposit, they must provide written notice by certified mail within 30 days of move-out stating their intent to impose the claim. If such notice is not properly provided, the landlord forfeits the right to impose claim against the deposit. Because written notice to vacate was in face provided, the apartment was vacated appropriately, and the requirements regarding the handling of the security deposit under Florida law do not appear to have been followed, the claim that I owe {$4500.00} appears to be incorrect. Furthermore, under the Fair Debt Collection Practices Act, I am requesting full validation of this alleged debt. This includes, but is not limited to : A copy of original lease agreement An itemized ledger of all charges associated with the alleged balance. Documentation shoeing how the security deposit was applied. Documentation supporting the claim that the required notice to vacate was not provided. Documentation establishing the legal basis for the {$4500.00} balance being reported and collected.

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 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
There was a cash advance on my credit card back in XXXX every month since XXXX I was being charged for a cash advanced at 30 % interest rate that I never did in XX/XX/XXXX I disputed all of the cash advances that were in XXXX they refunded me with all of the fees and cash advances. I have a resolution number then in XX/XX/XXXX I get charged interest for a cash advance that was already resolved stemming from XXXX again I called the company back and spoke to them on the phone and stated that they were charging me for a cash advance that never made again after the resolution was already refunded, and I gave the representative and the supervisor the resolution number they refunded the cash advanced charges again and any charges at that time I blocked my card myself in XX/XX/XXXX. I get my statement for XXXX and I have another charge for cash advance which Ive blocked my card. Im not using my card and I also got a loan to pay off the card because of this issue now today the lady said theyre going to try to dispute back what was in XXXX again which shouldve been resolved in XXXX, but wasnt by their company this companys name is Capital One Bass Pro shop. Im very upset. I have all the proof I need and the supervisor XXXX is her name always talked over me when I tried to explain to her that in XXXX. I left my card and Ive not used it. I make my payments on time. These people that are working for this company are working from home. Everybody has access to your information when you call in. I dont trust it. I want this problem resolved permanently and I want the complete cash advanced issue resolved once and for all when I asked XXXX the supervisor today on XX/XX/XXXX of XXXX to be escalated to a higher person than her. She said she couldnt do it. These people are ripping people off. I am done with this company. Please help me resolve this issue since it was supposedly resolved in XX/XX/XXXX for charges that took place back in XXXX this should not keep reoccurring.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-10 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I applied for Care Credit ( Synchrony Bank ) at XXXX XXXX, a shoe retailer, for {$1700.00} to pay the cost of the shoes and orthotics I purchased that day at or around XX/XX/scrub>, 2024 ( see the enclosed receipt ). Since XX/XX/year>2024, I have paid {$50.00} to {$75.00} per month but only received payment reminders by text and no paper statements. Despite these payments, my balance has increased to over {$2300.00} due to an interest rate of around 40 %, which I believe is excessive. I recently made a {$300.00} payment and have the original receipt as proof. I request to be released from this contract, as I have already paid back the purchase amount. Please contact Synchrony Bank for the account history, as their customer service records do not cover the entire period ; they only go pack XXXX months so they will insist that the amount owed is not usury. Why do I owe more than my original purchase after consistent payments? I ask you investigate this situation and address the high interest charges. Ideally, I would like to be released from this contract as I do not want to ruin my credit rating as I may stop all payments in short order. Since the CFPB has been gutted by the current XXXX XXXX, the state AG must pursue these unfair banks instead.

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 2026-03-10 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: SC

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 2026-03-10 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: SC

Complaint narrative:
Cash App told me that I would receive a refund after a transaction I made to the wrong person expired. The transaction did expire and the money was not returned to my account. When I didn't receive my refund they told me contact my bank because it should automatically went back to my account. After following all of the instructions and it's been about 6 weeks now, I was told today that the recipient received the money and I would have to ask her to give it back. They are taking me back through the whole process again. When I told them that I had already done everything they instructed me to do, they sent me to someone else and I was told that it was sent back to the sender which was actually the recipient and I needed to ask her for the money. Instead of them refunding the money to me they returned it to her as the sender not me. They closed the complaint and said that they had made their decision and closed the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX supposed to be paid and deleted not paid closed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
Bank of America executed a garnishment under the wrong name on XX/XX/year>, against my accounts through legal orders portal. They cleared and posted those funds immediately. They continuously put me through a loop of calls that ended nowhere and would not provide documentation. I do not live within 100 miles of a branch. I sent my husband in another state to demand documents from a personal banker who handed us blank copies of said documentation on XX/XX/year>. On XXXX I went to the clerk of court to inquire if the bank had submitted any documentation and what i received was a back dated back filled cover up. As this was dated XX/XX/year> the day after they took my funds. And a day before I was handed a copy of the blank orders and legal paperwork. I have proof! I have spent countless hours trying to speak to legal only to be denied. The bank knows they made a BIG mistake, and they are doing everything in their power to ignore myself and my husband. This has caused us great financial harm, and we have filed everything we need to in court to contest it however it's been almost a month, and Bank of America still has not provided any legal documentation legally due to us. The money they took was my husband 's wages from another state and the only money that is deposited to the account, and he was not judged garnishee nor was I we submitted proof of every deposit which matches his check stubs to the very XXXX. The garnishment was issued for XXXX XXXX XXXX I am XXXX XXXX XXXX Bank of America seized my funds anyway They refuse to provide documentation They refuse to escalate They refuse to correct the error They refuse to release my husband 's funds They refuse to let us speak to Legal Order Processing

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 2026-03-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
I purchase a commercial XXXX XXXX XXXX from XXXX in the amount of {$960.00}. It was financed through Affirm. I received a text message from XXXX stating my freezer was delivered on XX/XX/XXXX. I immediately call XXXX telling them no Freezer is at my house by the USPS. They told me to look around my house or ask my neighbor. 1st of all the mail carrier informed me that they don't deliver any items over 40pounds. 2ndly I immediately reached out to postal service by calling XXXX to confirm the tracking number XXXX. The USPS Informed me that the package with that tracking number was delivered to customer at a different address and it weigh less than 1 lb. I immediately informed XXXX of this and they kept saying it was delivered. I reached out to the 3rd party selling no response but their records says it was delivered. I asked them to provide me with the correct tracking number and they never did. XXXX asked that I reach out to my finance company to dispute the matter I did with affirm 4 time but Affirm keeps ruling in favor of the merchant because the postal slip say delivered. I provided Affirm with the letter from the USPS stating the tracking number is incorrect and the item with that tracking number was delivered to a different address and the item was not a commercial XXXX XXXX XXXX it was an envelope that weighed less than 1 lb. This matter has been going on for over 1 year. No common sense resolution has been made. I did recently reach out to XXXX on XX/XX/XXXX and what they came up with was a refund in the amount of {$160.00}. I don't know how they came up with this dollar amount but its not fair. I don't think its right to pay on an item you never received and provided proof to both parties. I also looked Affirm up on the XXXX XXXX and numerous complaints were made about items not showing up and affirm was still wanting customers to pay. {$960.00} is not a little bit of money. Please help ive been fighting for 17 months now. My credit has went down due to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
Columbia Debt Recovery LLC dba Genesis Re : Request for Debt Validation To Whom It May Concern, I am responding to your communication regarding an alleged debt you claim I owe. This letter serves as a formal request for validation of the debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge or accept liability for this alleged debt. Until you provide proper validation, I dispute this debt in its entirety. Under the FDCPA, collection efforts must cease until you provide the requested validation. If you can not provide proper documentation, you must cease collection and remove any reporting of this account from any credit reporting agencies. Columbia Debt Recovery LLC dba Genesis Re : Cease and Desist Alleged Debt Columbia Debt Recovery LLC dba Genesis To Whom It May Concern, This letter serves as a formal notice that I am requesting you immediately cease and desist from any further communication with me regarding the alleged debt you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), you are hereby instructed to stop all communication with me about this matter. This includes, but is not limited to, phone calls, text messages, emails, and letters. If you believe you have a legal right to pursue this matter, you may only contact me to notify me of specific legal action being taken. Any further attempts to contact me outside of these limitations will be documented as violations of the FDCPA. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
I was out of town doing a delivery and my home was broken into items were taken including my chime debit card and phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: MN

Complaint narrative:
I called to inquire about a loan. Ended up getting approved but needed to speak to someone. I ended up talking to XXXX who told me I needed a co-signer and he told me specifically that the person needs to live with me and have a job history. I specifically asked about credit and he said we dont really look at that. I added my sister to the call, he then asked her for her social to pull it. I told him that he didnt relay that information to me before and I asked previously. I asked to speak to a manager and he said he wasnt going to take the disrespect. I called another location, spoke to XXXX, he claimed what XXXX said was right AFTER I explained what he said. XXXX said that is correct, we dont pull credit, but I explained why wouldnt have XXXX specified we will once you add th Co-signer like I asked. This seems very fraudulent of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: TX

Complaint narrative:
I received email on XX/XX/year> that my Citibank XXXX card was closed and reason being was due to inactivity. This was first and only notice I received otherwise I would have purchased something to avoid this happening. I called and they said only way to resolve was to apply again and I told them I didnt want a hard inquiry on my credit report. I have been XXXX since last time I had to do a hard inquiry for them so my financial situation is not as it was when I opened account therefore reason for not wanting another hard pull on my credit report. I asked to talk to retention department but was denied. I have another card through Citibank that has not been used in awhile but is still open so a little confused. Please advise on if or anything else I can do. Thanks

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 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/year>, Wells Fargo processed an ACH payment of {$4200.00} labeled ONLINE ACH PAYMENT THANK YOU. On XX/XX/year>, Wells Fargo processed another payment of {$4300.00} labeled PAYMENT - THANK YOU. The total payments charged to my account were {$8500.00}. At the same time, a balance transfer of {$4300.00} from my Wells Fargo account to my XXXX card had already been initiated. I received a notification from XXXX stating that they would let Wells Fargo to transfer the balance from my Wells Fargo XXXX XXXX to my XXXX card, and that this transfer would take 35 business days to settle. Because the balance was already transferred through the XXXX balance transfer process, the two payments processed by Wells Fargo on XX/XX/XXXX and XX/XX/XXXX were not necessary and resulted in an overpayment. My account statement shows the following summary : Previous Balance : {$4200.00} Payments : {$8500.00} Purchases and other charges : {$51.00} New Balance : - {$4200.00} However, since the balance had already been transferred through the XXXX balance transfer, the total amount of {$8500.00} charged through payments should be refunded. I contacted Wells Fargo customer support by phone and was told that the refund would be issued within approximately 10 days. However, more than 10 days have passed and the refund has not been received. I am requesting that Wells Fargo investigate this issue and refund the total overpayment of {$8500.00} that was charged to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
I called to make a payment to multiple credit cards and was told that they were closed accounts. I did not receive any mail email or not notification whatsoever. I know I was behind and when I called to catch up, they basically said theres nothing I can do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief