vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I dispute Radius Global Solutions response because it does not fully address the specific validation and verification requests submitted through my CFPB complaint and attached validation letter. My complaint requested documentation necessary to validate the alleged debt under the FDCPA, including : A complete copy of the original signed contract or agreement creating the alleged obligation ; A full itemized account history, including all charges, payments, interest, fees, adjustments, and charge-offs ; Documentation establishing ownership or authority to collect the debt, including any purchase or assignment agreements ; The name and address of the original creditor ; and Copies of prior notices and communications, including the validation notice required by federal law. Additionally, I requested information necessary to verify the accuracy and completeness of the reporting under the FCRA, including : The Date of First Delinquency ( DOFD ) ; The charge-off date ; The assignment or purchase date ; The complete data set maintained and reported for the account ; and The investigation procedures used to verify the disputed information. In response, Radius Global Solutions provided what appears to be a billing statement from XXXX XXXX XXXX and a letter stating that its investigation concluded the reporting is accurate. However, the documents provided do not address several of the specific validation and verification items requested in my complaint. The response does not provide the original signed contract or agreement creating the alleged obligation, documentation establishing ownership or assignment of the debt to Radius Global Solutions, the Date of First Delinquency ( DOFD ), the charge-off date, the assignment or acquisition date, the complete account data being furnished to consumer reporting agencies, or a description of the investigation procedures used to verify the disputed information. Providing a billing statement alone does not satisfy all of the validation and verification requests submitted through the CFPB complaint. Because several requested records remain unaddressed, I continue to dispute the validity, ownership, and reporting accuracy of this 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 non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year> I noticed a {$1100.00} money transfer from a company that looks to do international money transfers, from a company ( XXXX ) I have never heard of from my checking account. I immediately called and filed a claim with Wells Fargo that morning, and after spending a little over a week they have denied my claim. I plan to file an appeal but as it is a website based out of Washington I have not much in the way of evidence I did not authorize this transaction. I hope you can help 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 2026-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
A utility bill fraudulently connect to my identity went into collections and Bill City Financial attempted to collect. This debt was never incurred by me but instead was the result of ID theft. Bull City continues to attempt to collect debt and sing my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I applied for the XXXX XXXX XXXX American Express card directly through the XXXX checkout portal on XX/XX/year> specifically to utilize the advertised {$400.00} statement credit for purchasing flights promotion. The application was approved, and the flight purchase was completed directly with XXXX. American Express is refusing to honor the advertised promotional sign-up terms, claiming the offer was not attached to the account. Front-line customer service initiated an internal review, which was subsequently denied. I am requesting that American Express manually honor the binding promotional terms of my application and apply the {$400.00} statement credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: RI

Complaint narrative:
I tried to purchase tickets from a vendor on XXXX who suggested I create and use CHIME for the fiscal transaction. Once I sent the money as instructed, the party blocked the number and did not sent the tickets. I immediately contacted CHIME and was told differing information by different help service employees- redirected XXXX times with XXXX different agents. I was told I could submit a dispute, which I thought I was doing. I was instructed to contact the local police and I did. The following day, when following up on the dispute, another agent told me I was not able to make a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: MO

Complaint narrative:
My phone got hacked and someone got into my cash app account ( which I rarely used ) when it hit my bank account I reached out to cash app and filled disputes. I won my disputes and the funds that were taken were out into my cash app account so I could withdraw it and put it back into my bank account, but as my disputes got approved cash app deactivated my account and will not allow me to create a new one ( per customer service said to make new account so they can move funds to new account t for me to withdraw ) I can not do so. I have talked with several people via phone, fb messenger, email and cash app chat I get a constant runaround s, money is verified it is there I have emails stating disputes approved in my favor with amounts deposited back BUT they will not allow me to access my funds. They keep denying my appeals and said they deactivated my account bc I went against policy, I did nothing, I did not allow someone to hack and steal from me, cash app did. It is my money and they will not allow me access to it. It is for {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: MN

Complaint narrative:
Jefferson Capital Systems , LLC sent a collections notice to me, XXXX XXXX, for a debt that was not mine. They also sent a notice to XXXX that dropped my credit by XXXX points. When I called and confirmed that this debt was not mine by confirming that the SSN and DOB did not match, they closed the debt, but did not remove from my account. My credit has still be hit and they will not update.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
I dispute Consumer Adjustment Companys response because it does not address the specific validation and verification requests submitted through my CFPB complaint and attached validation letter. My complaint requested documentation necessary to validate the alleged debt under the FDCPA, including : A complete copy of the original signed contract or agreement creating the alleged obligation ; A full itemized account history, including all charges, payments, interest, fees, adjustments, and charge-offs ; Documentation establishing ownership or authority to collect the debt, including any purchase or assignment agreements ; The name and address of the original creditor ; and Copies of prior notices and communications, including the validation notice required by federal law. Additionally, I requested information necessary to verify the accuracy and completeness of the reporting under the FCRA, including : The Date of First Delinquency ( DOFD ) ; The charge-off date ; The assignment or purchase date ; The complete data set maintained and reported for the account ; and The investigation procedures used to verify the disputed information. Consumer Adjustment Companys response states that it contacted the creditor and requested validation and that the account was removed from XXXX. However, the response does not demonstrate that the requested validation documents were provided to me, nor does it address the specific records and verification items requested in my complaint. A statement that information was requested from the creditor is not the same as providing the documentation necessary to validate the debt. The response also does not explain what investigation procedures were used, does not provide the requested ownership documentation, and does not address the remaining FDCPA and FCRA requests outlined in my submission. Because the requested validation and verification information has not been fully provided, I continue to dispute the validity, ownership, and reporting accuracy of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
* * Consumer Financial Protection Bureau Complaint * * * * Company : * * Citibank * * Issue : * * Payment Processing Error / Failure to Credit Account I am filing a complaint against Citibank regarding XXXX payments that were withdrawn from my XXXX XXXX checking account but were not credited to my Citibank credit card account. Citibank debited the following payments from my XXXX XXXX checking account : * {$400.00} on or about XX/XX/year> * {$420.00} on or about XX/XX/year> Both transactions successfully cleared and were withdrawn from my XXXX XXXX checking account. However, Citibank failed to apply these payments to my Citibank credit card account. As a result, my credit card balance has not been reduced to reflect the payments made. I have contacted Citibank to resolve this issue, but the payments remain uncredited. I am concerned that this error may result in inaccurate account balances, late fees, interest charges, negative credit reporting, and financial harm. I am requesting that Citibank : XXXX. Investigate the missing payments immediately. XXXX. Locate and properly credit the {$400.00} and {$420.00} payments to my credit card account. XXXX. Reverse any fees, interest charges, or penalties resulting from this error. XXXX. Confirm in writing that the payments have been correctly applied and that my credit reporting has not been negatively affected. I can provide bank statements and transaction records showing that the funds were successfully withdrawn from my XXXX XXXX checking account. Thank you for your assistance in resolving this matter.

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 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TClub Inc
State: GA

Complaint narrative:
I did XXXX money transfers through 'Abound By The XXXX XXXX XXXX XXXX app on XX/XX/XXXX and XX/XX/XXXX, and still the money not credited to beneficiary. I am not getting proper and valid response or justification from Abound. Transaction details : Id : XXXX Date : XX/XX/XXXX Amount : {$2000.00} Id : XXXX Date : XX/XX/XXXX Amount : {$1100.00}

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 2026-06-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I have had multiple issues with this company. But the specific issue I'm reporting is as described. Due to a disagreement as a result of a payoff ( the company lied about correcting the deferred interest issue so I was paying it off to get it over with ), I found out that I had a balance of {$260.00} in XX/XX/year>. I received my XXXX statement with a balance of {$200.00}. Payment due date was XX/XX/year>. I received a text notification about the card today, XX/XX/year>. So I log into the account and it tells me I owe {$7.00} by XX/XX/XXXX. I check the last 2 statements. The XXXX statement showed the following : Previous balance was {$200.00}. Payment of {$200.00} was made on XX/XX/year>. By definition, this was before the payment due date, so the previous balance should have been {$0.00}. It shows interest was charged on XX/XX/year> for {$3.00}. So interest was charged on a zero balance. And to top it off, customer service said they can't fix their own mistakes. XXXX 's statement shows a minimum interest charge of {$2.00} and {$1.00} paper statement fee.

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 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I dispute Portfolio Recovery Associates response because it does not fully address the validation and verification requests contained in my CFPB complaint and attached validation letter. My complaint requested documentation necessary to validate the alleged debt under the FDCPA, including : A complete copy of the original signed agreement or contract that created the alleged obligation ; A full itemized account history, including charges, payments, interest, fees, adjustments, and charge-offs ; Documentation showing that Portfolio Recovery Associates currently owns the debt, including any purchase or assignment agreement; The name and address of the original creditor ; and Copies of prior notices or communications, including the validation notice required by federal law. I also requested information necessary to verify the accuracy and completeness of the account under the FCRA, including : The Date of First Delinquency ( DOFD ) ; The charge-off date ; The date the account was acquired or assigned to Portfolio Recovery Associates XXXX The complete data set maintained and reported for the account ; and A description of the investigation procedures used to verify the disputed information. While Portfolio Recovery Associates states that it purchased the account and references information received from XXXX XXXX, the response does not demonstrate that all requested validation documents and verification records were provided. The response relies on business records supplied by the original creditor but does not clearly identify or provide the complete chain of assignment, purchase documentation, complete account history, investigation procedures, or all of the records specifically requested in the validation letter. Merely stating that the account was investigated and that validation was provided does not establish that all requested documents were produced or that the disputed information was independently verified after receipt of my dispute. Because the requested validation and verification items have not been fully addressed, I continue to dispute the validity, ownership, and reporting accuracy of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express is charging me excessive high interest rate and receiving false info for my credit history then making it difficult for me to pay of the balances i froze usage of the card and trying to pay it off but the interest rate is extremely high i requested a decrease in interest rate but was refused by representative i need them to lower the rate so i can pay it off and cancel the card

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: IN

Complaint narrative:
XX/XX/year> XXXX I was scammed from Cash app. They have not helped me with resolving the situation and I am without {$240.00}. I have talked to other patrons who have not received their money back either.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelnet, Inc.
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation