vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Westlake Financial XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : CEASE & DESIST / DEBT VALIDATION DEMAND- VIOLATIONS OF THE FDCPA & FCRA To Whom It May Concern : This letter serves as a formal CEASE AND DESIST and DEMAND FOR DEBT VALIDATION pursuant to my rights under the Fair Debt Collections Practices Act ( 15 U.S.Code 1692g ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). You are hearby ordered to CEASE AND DESIST all forms of communication with me, my family, or my place of employment regarding the alleged debt referenced above. Your agency has no verified legal right to collect, report, or pursue action on this account without proper and complete validation of ownership and legal assignment of this debt. You are currently in violation of federal law by continuing to report this account to the credit bureaus without substantiating your rights to collect. If you can not prove full ownership or legal right to collect this debt, you are knowingly furnishing inaccurate and unverifiable information, which is a direct violation of the FCRA ( 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) ). I am formally demanding the following documentation within 15 calendar days from the date of this letter. 1. The original signed contract or application bearing my signature showing liability for this debt. 2. The complete chain of title or assignment of debt, including all transfers and dates from the original creditor to you agency. 3. A copy of the bill of sale or purchase agreement showing your agency legally owns this debt. 4. An itemized statement of all amounts claimed to be owed, including principal, interest, fees, and charges. 5. Your debt collector license number and the state ( s ) in which you are licensed to collect. 6. Your surety bond information, as required by law in certain jurisdictions. If you are unable to produce the above documentation in full, you are legally required to immediately remove this account from all consumer reporting agencies and cease any collections efforts. Further, if you do not legally own the debt, I demand that you return the account to the original creditor and permanently cease any further action on this matter. Be advised that continue failure to validate, coupled with continued furnishing of false information to credit bureaus, constitutes willful noncompliance under 15 U.S.C. 1681n court codes. I am documenting all violations and reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorneys general 's office, and seek relief through litigation if necessary. Let this serve as your final warning. Failure to comply within 15 calendar days will result in further legal action. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/XXXX my mother moved to XXXX XXXX XXXX and paid {$3300.00} for move in costs. This includes first and last month rent. I decided to help my mom with rent for the month of XX/XX/XXXX. After paying, my mother informed me first and last month rent was already paid when she moved in but when I checked online there was a balance so I paid it. I contacted XXXX XXXX for a refund stating its a duplicate payment since my mother already paid at the beginning of the lease term. XXXX XXXX XXXX XXXX XXXX told her employees to tell me they cant issue me a refund Id have to dispute it through my bank. I asked why cant they just refund me, a dispute should be my last option. XXXX stated they dont have access to the system that handles refunds and disputing it through my bank is the only way Id get my money back. When I contacted my bank Chase, they asked me for supporting documentation. When I reached out to XXXX for this document they refused. I had to drive all the way to their office located in XXXX and demand a documentation stating the payment was a duplicate. They refused and instead gave me a letter stating they will not contest if I dispute the payment. Chase declined this documentation and closed the case. Chase said they need a receipt. When I provided the receipt they said they need more documentation the property is refusing to give!! and when I express my frustration Chase employees hang up in my face. This is insane!! My paycheck came and Chase used that to cover the negative balance. That money was supposed to be the deposit for my new place. The end of the month is in 2 days and were unable to move due to Chase and XXXX XXXX. I seriously need this looked into

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: Chime Financial Inc
State: PA

Complaint narrative:
From XXXX on XXXX XXXX there was several purchases made that I didnt make and chime bank asked me if it was fraud I said yes and they still allowed it I contacted XXXX too to let them know that I experienced fraud. Please I need my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: HI

Complaint narrative:
I keep receiving text messages from Diversified Adjustment Service Debt Collector about owing {$1600.00} to XXXX XXXX. I do not owe XXXX XXXX. My credit report has suffered as a result from this inaccuracy. It is against the law to furnish inaccurate information to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am filing a formal complaint regarding inaccurate, unverifiable, and/or improperly reported information appearing across my consumer credit reports in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i, and 1681c-2 where applicable ). I request a full, reasonable, and independent reinvestigation of all disputed items listed below. ACCOUNTS & NEGATIVE ITEMS IN DISPUTE ( ALL BUREAUS ) Collections/ Charge-Offs/ Derogatory Accounts : XXXX XXXX XXXX Collection account reporting inaccurate, incomplete, or unverifiable balance, ownership, and payment history XXXX XXXX XXXX account reporting inaccurate and unverifiable reporting data XXXX XXXX account reporting inaccurate, incomplete, or unverifiable account details XXXX XXXX XXXX Closed account reporting inaccurate late payment/derogatory history ( TransUnion ) XXXX XXXX XXXX Closed account reporting inaccurate late payment and derogatory marks ( TransUnion ) Inquiries : XXXX / XXXX XXXX Inquiry reporting disputed as inaccurate, unauthorized, or unverifiable ( appearing across multiple bureaus ) PERSONAL INFORMATION ERRORS The following inaccurate personal identifying information is also being reported and must be corrected or removed : Incorrect name variation : XXXX XXXX Incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect employers : XXXX XXXX XXXX XXXX XXXX DISPUTE BASIS All listed items are disputed on the grounds that they are inaccurate, incomplete, outdated, and/or not fully verifiable at the source level. Automated verification, data aggregation, or third-party matching does not satisfy FCRA reinvestigation requirements.

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 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

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 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXXGood evening, I need you to remove the restriction from my credit account capital one card number XXXX XXXX XXXX XXXX I made the payment of my credit and when I did they put it in restriction and I can't use my card and besides they want me to continue paying the minimum when I haven't even been able to use my card my name is XXXX XXXX XXXX XXXXSocial XXXXCard address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: MS

Complaint narrative:
Im writing to file a complaint against SECURITY CREDIT SERV for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Full Circle Financial Services, LLC
State: OH

Complaint narrative:
Got a letter concerning a debt I know nothing about. Violation of the spirit of FDCPA laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I am writing to express my concerns regarding an account and debit card associated with my PayPal account. Within my PayPal account, there is a debit card that appears as " not activated '' in the PayPal app. However, the card shows a negative balance of $ XXXX in purchases. When I contacted PayPal to inquire about these transactions, I was unable to obtain any information regarding the purchases made on the account. They also Overdrafter my XXXX XXXX XXXX XXXX XXXX by $ XXXX. I have made more than twenty phone calls to PayPal regarding this matter. During my most recent call, I spoke with a supervisor. I informed him that I was recording the conversation, and he acknowledged that he was aware of the recording. During the call, I requested documentation showing that I had authorized or signed for the opening of this debit card account. I specifically asked that this documentation be emailed to me. The supervisor refused to provide the requested documentation and would not disclose the purchases associated with the card. In addition, withdrawals were made from my XXXX XXXX XXXX XXXX XXXX XXXX account when the charges were supposed to be processed through my credit card. As a result, my bank account was overdrafted. I am disputing these transactions and requesting a full investigation into this matter. I am also requesting copies of any applications, agreements, electronic signatures, activation records, authorizations, and transaction histories related to this debit card and any associated charges. To date, PayPal has not provided the requested information. Furthermore, I have reviewed publicly available information regarding complaints involving PayPal and have found numerous reports from consumers alleging unauthorized transactions, account issues, and other fraudulent activities. Given these concerns, I believe a thorough review of my account and the disputed transactions is warranted. I respectfully request a complete investigation and a written response addressing these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My debit card information was cloned and {$2000.00} was illagaly frauded from my account, upon request a transaction claim, the request was denied. I was told the physical card was used and the transactions were made close to my geographic location. This is Wrong considering my physical card was never used and I was not the geographic locations at the time of these transactions

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 2026-05-29 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: Chime Financial Inc
State: TX

Complaint narrative:
On Wednesday XX/XX/XXXX around XXXX I notice a charge on my account for {$49.00} from XXXX, I tried contacting the company by phone but it said it was disconnected. So I did a dispute with Chime 16 days later the denied my dispute because they found no error in the transaction. And now Im here. I didnt not authorized this transaction with the amount of {$49.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
Aidvantage auto-drafted {$3500.00} from my savings account on XX/XX/XXXX after an income recertification delay. I subsequently submitted my income documentation, and Aidvantage approved my new monthly Income-Driven Repayment ( IDR ) amount at $ XXXX.To resolve the financial hardship caused by the {$3500.00} withdrawal, Aidvantage granted my account a retroactive administrative forbearance covering the payment period, which is active through XXXX XXXX.Under federal student loan regulations ( specifically 34 CFR 685.211 ), the retroactive forbearance legally voids my payment obligation for that past period, reducing my required payment to {$0.00}. Therefore, the {$3500.00} draft is officially a legal overpayment.When I requested a refund of this overpayment, Aidvantage frontline customer service representatives erroneously refused and canceled the refund request, falsely claiming that returning my money would make my account " delinquent. '' Because an active retroactive forbearance is in place, my past-due balance for that period is {$0.00}, making a delinquency legally impossible. Aidvantage is illegally withholding over {$3000.00} of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I was scammed out of XXXX from my XXXX bank account on XXXX XX/XX/year>. I transferred this money to a money mule in Minnesota Bank of America XXXX XXXX, minnesota branch. I was defrauded by a romance scammer who led me to believe he was XXXX XXXX from the band XXXX. The money was transferred from my XXXX bank account in XXXX, XXXX as an international transfer to the XXXX XXXX account of this woman called XXXX XXXX who I thought was in his management team. She went into the bank and withdrew the {$25000.00} dollars and closed her account. The bank did not query how a large payment came into the account the day before from XXXX and query if she was a money mule and stop her withdrawing the cash and closing her account. I wrote to Bank of America 3 years ago and they did not reply to my complaint and advise they would refund me. I am only contacting you now as I live in XXXX and I was not aware of your agency until I heard you being talked about on the radio. Please can you help me get my losses refunded. I was deemed an authorised push payment fraud victim by the XXXX and XXXX financial ombudsman but the XXXX bank won't refund me.

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 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: FinCo Services Inc DBA Current
State: CO

Complaint narrative:
My current credit card was missing during check advance ect. I filed a police report they decided to ruin my credit pretty bad and still saying I owe a balance. When I should be in good standing with a XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
Block, Inc. ( Square ) is currently withholding {$5000.00} of active operational business funds under a " Suspended '' status. This transaction is a standard 50 % mobilization deposit for a signed {$10000.00} commercial epoxy flooring contract, which has been proactively emailed directly to their verification team.Square 's self-service merchant dashboard is malfunctioning and completely blocking the upload of compliance documents. Frontline phone support is unable to provide resolution, and the withholding of these funds is paralyzing active contractor payroll and material procurement. I request an immediate manual compliance review of the attached contract and the release of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Someone hacked my husband 's and my PayPal accounts on XX/XX/year>. This led to the hijacking of credit cards ( all have been replaced ) verifed FRAUD transfers. PayPal refuses to refund the KNOWN FRAUD transfers for over {$1500.00} The company is very well aware of the specific fraudsters, as they have issued refunds ( by the same fraud payment requestor ) in my and my husbands Pay Pal accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I paid my credit card payment on XX/XX/year> along with another Citibank retail card ( Home Depot ) and Dillards website must have been not been working properly and charged a bank account, XXXX XXXX XXXX, that was in the system but the account was closed out. I checked my Dillards account the next Tuesday after XXXX XXXX and the other payments had cleared XXXX XXXX but Dillards had not. I checked the system and it said it charged XXXX XXXX but I did not pay the credit card bill through XXXX XXXX. I checked to make sure I had sufficient funds and went back into the Dillards account which then said it charged XXXX XXXX ( I closed that account out months ago and would have never paid a bill to that account ). I added XXXX XXXX bank account to my saved payments to bill XXXX XXXX instead of the other accounts listed. The website did not process the added bank account nor did it charge the added bank account ( XXXX XXXX ). I have been charged an overdraft fee for a Dillards website mistake. I believe it is also a means to snoop around in my bank accounts. I just filed a complaint against XXXX XXXX and XXXX XXXX is a bank account in my saved payments for payment to Dillards. I informed them to take payment from XXXX XXXX instead of XXXX XXXX because the system did not save the XXXX XXXX payment method. I believe there is game playing and networking. They have maintenance scheduled for XX/XX/year> because the time was messed up on the customer service messages. Their system did not change payment method nor bill the changed payment method. I have managed multiple bank accounts for years and never had issues. I should not be billed for overdraft fees for the credit card system failures. As stated earlier, I have Home Depot and it was paid by XXXX XXXX on the same day as was four other payments. I feel that these companies are attempting to monitor my bank accounts by playing games too.

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 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with non-monetary relief