vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 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: LA

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 2026-04-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Netspend Corporation
State: NC

Complaint narrative:
I am submitting this complaint to report unauthorized and fraudulent transactions on my account. During the period of XX/XX/year>, I discovered that a total of {$12000.00} was taken from my account without my authorization. In addition, the individual ( XXXX ) responsible attempted to take up to {$15000.00} in total. These transactions were not made or approved by me, and I did not give permission to any person or company to access or withdraw these funds. Upon reviewing my account statement, I observed multiple suspicious and unauthorized debit transactions, including transfers and digital payment activity that I do not recognize or recall initiating. As shown on my account statement, there were total withdrawals and debits exceeding {$12000.00} within a short timeframe, which is inconsistent with my normal account activity and spending behavior. This indicates a clear pattern of fraudulent activity and unauthorized access to my account. I believe my account information was compromised and used without my knowledge. I did not benefit from these transactions in any way. I am requesting a full investigation into this matter, as well as reimbursement for the funds that were fraudulently taken from my account. I am willing to provide any additional documentation or information needed to support this claim and assist in resolving this issue as quickly I am reporting fraudulent activity involving accounts opened or used without my authorization with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for, authorize, or benefit from any accounts, services, or transactions associated with these institutions. I became aware of this issue after noticing unfamiliar activity and/or accounts that I do not recognize. This activity appears to have been conducted by an unknown individual using my personal information without my consent. I have not shared my personal information with anyone who would have permission to open or use these accounts. I am requesting that these fraudulent accounts and any related transactions be investigated, removed, and blocked, and that my identity be protected moving forward. I certify that the information I have provided is true and accurate to the best of my knowledge.

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 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
I am the owner of this Cash App account. In XX/XX/year>, I sent XXXX payments ( {$90.00}, {$60.00}, and {$20.00} ) to a XXXX vendor for a XXXX XXXX package. My son did the communication with the vendor on my behalf, but I authorized and sent all payments from my account. After the initial {$90.00} payment, the vendor immediately pressured us into sending an additional {$60.00}. Cash App later refunded the {$60.00}, confirming that the payment was fraudulent. The vendor then claimed there were additional costs, and after a long conversation I sent {$20.00} in good faith. On XXXX XXXX, when we asked for the tracking number, the vendor refused and demanded another {$20.00}, claiming XXXX required an extra fee. At that point, it became clear that the entire interaction was a scam. I disputed all three payments. Cash App refunded the {$60.00} but denied the {$90.00} and {$20.00} twice, even though all three payments were part of the same scam and followed the same pattern of coercion and misrepresentation. The denials were issued without any clear explanation. I filed a police report ( XXXX ) and an XXXX complaint documenting the fraud. After the partial refund, the scammer contacted us again on XXXX claiming they wanted to issue a refund and asked for my Cash App name. Following safety guidance, we told them to refund the payment directly through the original Cash App transaction. They refused and then disappeared, which further confirms the fraudulent nature of the interaction. They also confirmed they have another cash app account so they are still actively scamming others. Cash app XXXX has continually refused to take action on my case so I have to escalate and i hope this gets resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: WV

Complaint narrative:
Dear whom it may concern, I am filing this formal dispute and complaint regarding a collection account that is being reported on my consumer credit file by Aldous and Associates, who has failed to validate the debt in accordance with FDCPA 809 ( b ) and continues to report inaccurate and unverifiable information in violation of the Fair Credit Reporting Act 611 ( a ) and FCRA 623 ( a ) ( 1 ) ( A ). Despite my timely and certified request for validation under FDCPA 809, the collector failed to provide full chain of assignment of legal ownership. They also could not provide an original signed contract or application showing my agreement to date. They also are continuing to report the item to the credit bureaus without marking the account as disputed, violating FCRA 623 ( a ) ( 3 ). Under FCRA 611 ( a ), consumers have the right to request an investigation into disputed items that are incomplete, inaccurate, or unverifiable. The lack of legal documentation makes this debt unfit for consumer reporting. Continued publication of this collection is harming my creditworthiness and violates my rights. Aldous and Associates was also sent a certified letter by myself in XX/XX/year> requesting to only receive correspondence through written mail and cease telephone communications. I have received telephone phone calls from their office in the past 2 weeks. This is in violation of FDCPA 15 U.S.C. 1692 ( c ). Thank you for your time and oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: PA

Complaint narrative:
On XX/XX/year>, a total of {$950.00} was charged out of my chime account. XXXX transaction for {$800.00} and XXXX for {$150.00}. i did not make or authorize these charges. I immediately froze my card and reported it stolen and called chime to dispute the transactions. I honestly thought the fact that the transaction happened in XXXXXXXX XXXX and I live in XXXX made it pretty obvious it was a fraudulent unauthorized transaction but the investigation chime did deemed no error occurred. i requested the decision information to which i never received and i then reopened the dispute pointing out the XXXX mile gap between where i was and where the transaction took place. Still once again no error was found with the transaction. I made a second request for the decision info and never received it. So i gathered evidence including screenshots of my XXXX timeline showing my location on the day of the transaction, screenshots of my timesheet and punch card from work showing i was at work in XXXX on the day the transaction happened. I wrote an official appeal letter requesting the information used to make a no error decision and that the dispute be reinvestigated. i submitted that letter with all the evidence. Still the Chime investigations team found no error all while never making a statement on why they made that decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
On the morning of XX/XX/year>, seven hours before my scheduled appointment, I inquired about rescheduling. When the merchant said no, I explicitly told her at XXXX XXXX that I would still attend my XXXX XXXX appointment. Despite this, the merchant gave my spot away to someone else and told me I could not come. She kept my {$150.00} deposit and demanded a second deposit for a future date, effectively double-charging for that time slot while refusing me service. Regarding the dispute process with XXXX : I have opened this dispute three separate times. During the most recent attempt, a bank teller reviewed my evidence, agreed that I was in the right, and specifically added notes to the dispute team supporting my claim. Despite a bank employee 's recommendation and my clear documentation, the dispute team still ruled in favor of the merchant. The bank has consistently prioritized the merchants side while failing to acknowledge my time-stamped proof from XXXX XXXX confirming I would attend. XXXX has failed to protect me as a consumer despite clear evidence of a merchant breach of contract. I am seeking a full refund of the {$150.00}, as the merchant is the one who denied the service I was ready to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Subject : Formal Complaint Failure to Block Fraudulent Citizens Bank Account ( Identity Theft FCRA Violation ) To Whom It May Concern, I am submitting this complaint regarding inaccurate and fraudulent reporting by Citizens Bank and XXXX. I am a verified victim of identity theft and have submitted an official FTC Identity Theft Report ( attached ). The fraudulent account in question is : - Institution : Citizens Bank - Reported Issue : Account Abuse - Amount : Approximately {$240.00} - Date Reported : XX/XX/year> Bank Routing # : XXXX Account # : XXXX This account was not opened or authorized by me and was the result of identity theft. I have already taken the proper legal steps : - Filed an official FTC Identity Theft Report - Reported the fraud to financial institutions- Completed identity theft documentation and investigations As a result, XXXX XXXX XXXX ( EWS ) has already blocked this exact Citizens Bank account from my consumer file due to identity theft. However, despite this verified fraud determination : - XXXX continues to report this account - Citizens Bank continues to furnish this inaccurate information This is a direct violation of the Fair Credit Reporting Act, specifically : - 15 U.S.C. 1681c-2 ( Requirement to block information resulting from identity theft ) - 15 U.S.C. 1681s-2 ( Duty of furnishers to report accurate information ) Once a valid identity theft report is submitted, the information must be blocked and can not continue to be reported. This inaccuracy on my report is making it difficult to obtain healthier credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: WA

Complaint narrative:
XX/XX/XXXX I am contacted by Capital One saying they have identified a potentially fraudulent charge XXXX XXXX XXXX XXXX {$1000.00} I confirm that I did not attempt that transaction I had a car repair that I had planned on charging that day so I called to ask whether I could unlock the card and use it without being liable for the previous {$1000.00} charge and was told I could do that. I made a transaction and then re-locked the card. I called Capital One to try to verify again that the {$1000.00} was fraudulent but was told I would need to wait to see whether it would process. I got my bill with the fraudulent charge and called to report the fraud. I got a letter saying " Information we discovered leads us to believe you or another account user benefited from the transactions. '' I sent a letter asking for follow up on what that information that was and I got nothing back. I called and asked for clarification about how they made that determination and the only thing they could tell me was that supposedly it was a type of transaction in which the physical card was used -- - they are not able to provide me with an address at which the physical card was used or anything more specific than XXXX. It's clear they did not research anything and I do not believe I should be held responsive for this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are the names that were charged on XX/XX/year> for a total of {$350.00}. The merchant ran multiple unauthorized charges in a short window of time. I went on PayPal to pay my credit card bill when I save all these pending transactions I called XXXXXXXX XXXX and informed them of the unauthorized transactions that were pending XXXXXXXX XXXX acknowledged the fraud and blocked the payments. PayPal is now penalizing me for fraud I did not commit and has a negative {$350.00} on my PayPal account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 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: SC

Complaint narrative:
I am filing this complaint regarding a debt that I requested validation for, but the debt collector has failed to properly respond. On or about XXXX sent a written request for debt validation Midland credit manage regarding account number XXXX request was made pursuant to my rights under the Fair Debt Collection Practices Act. The debt collector has failed to provide adequate validation of the alleged debt. Specifically, they did not provide : - Documentation showing I agreed to the debt - A complete payment history or breakdown of the amount - Proof that they are authorized to collect on this debt - Verification from the original creditor Despite this, the account continues to be reported on my credit report, which I believe is inaccurate and in violation of federal law. I am requesting the following resolution : - Immediate deletion of this account from all credit reporting agencies- Cessation of all collection activity - Written confirmation that this matter has been resolved This failure to validate the debt while continuing collection efforts and credit reporting may violate the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I expect a full investigation and resolution of this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 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: IL

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 2026-04-15 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: 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
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
am filing a complaint regarding a debt collection agency that attempted to contact me by reaching out to my family members instead of contacting me directly. The collection agency sent text messages to both my wife and my XXXX son in an attempt to get in contact with me. The message stated : XXXX we are reaching out via text as all other contact methods have had no response, this is an attempt to make contact with you prior to your file being recalled. Please contact us I never gave permission for this agency to contact my family members, especially my minor child. I believe this conduct is inappropriate and potentially a violation of the Fair Debt Collection Practices Act ( FDCPA ), as the agency used third parties, including a minor, to attempt to reach me. This caused concern and distress to my family, particularly because my child was contacted directly. I am requesting that this matter be investigated and that the collection agency cease all improper communication practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: KS

Complaint narrative:
I am disputing a collection account reported by Tek-Collect Inc. related to XXXX. After beginning treatment, I used only the initial set of aligners and reviewed the treatment plan. At that point, I realized the treatment would not address my orthodontic needs, and I promptly initiated the cancellation process with XXXX. I was in communication with their support team and was provided instructions to complete a virtual return in order to finalize the cancellation. In the days following this communication, I made multiple attempts to contact XXXX by phone to confirm and complete the cancellation process, but I was unable to reach a representative. XXXX ceased all global operations on XX/XX/year>. After this date, their customer service and support channels were no longer available, and I was unable to continue or complete the cancellation process despite my prior efforts. I did not receive the full or intended services associated with this account. I previously disputed this account with XXXX. The account was marked as updated, but it was not removed, and the core issue was not addressednamely that I attempted to cancel in good faith and was prevented from completing the process due to the companys shutdown. Despite these circumstances, this account has been placed in collections for {$1900.00}. I do not believe I am financially responsible for services that were not completed as intended and for a cancellation process that I was prevented from completing due to the companys cessation of operations.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX, a {$7000.00} promotional charge was made to my account for veterinary services ( deferred interest/no interest if paid in full by XX/XX/XXXX ). I later disputed this charge in XX/XX/XXXX due to concerns regarding the medical necessity and documentation of the service provided. I did not receive any formal notification that the XXXX dispute had been closed or denied. The only communication I received was a survey regarding my dispute experience. I requested proof that a dispute decision notice was sent, including the date and delivery method, but no evidence of proper notification was provided. Because I was not informed that the dispute had been closed, I believed the matter was still under review. As a result, the promotional expiration date passed, and deferred interest of {$660.00} was added to my account on XX/XX/XXXX. My account continues to accrue additional interest despite the charge being actively disputed. Additionally, I have formally filed a complaint with the XXXX XXXX XXXX XXXX regarding the veterinary services connected to the {$7000.00} charge. This matter is currently under formal governmental agency review. Despite the ongoing dispute and government review, interest continues to be applied to my account. I believe it is improper to assess deferred interest while the underlying charge remains disputed and under regulatory review.

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 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cash App had a account in XXXX I was sent money as well as sent money and never got money back or receive money back there was no one to call

Company response to consumer: Closed with explanation