vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
To Whom It May Concern, This communication serves as a * * formal dispute * * of the alleged debt and a * * demand for full validation * * pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I do not acknowledge any obligation for this alleged debt.

You claim an alleged balance of * * {$780.00} * *. You are hereby required to provide * * competent, complete, and legally sufficient evidence * * that I am obligated to pay this amount, including but not limited to : 1. The exact amount of the alleged debt, including a full itemization of principal, interest, fees, and any additional charges.

2. The name and address of the original creditor and documentation establishing the * * chain of assignment or ownership * *, including any bill of sale, transfer agreem
ents, or documents showing LVNV Funding LLCs legal right to collect.

3. Copies of any signed agreements, applications, contracts, or other documents bearing my signature that create a legal obligation to pay this debt.

4. Proof that LVNV Funding LLC is properly licensed and authorized to collect debts in my state. 
XXXX. Proof that the alleged debt is within the applicable statute of limitations. 
XXXX. A copy of any judgment you claim exists, if applicable. 

Until * * proper and complete validation * * is provided, you are legally required to * * cease all collection activity * *, including but not limited to phone calls, emails, letters, and * * credit reporting * *.

If you are * * unable or unwilling to provide proper validation * *, you are required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) to * * delete this account from all consumer credit reporting agencies * *, as unverified information may not be reported as accurate.

Any continued collection activity or credit reporting without providing proper validation will be documented as potential violations of federal and state law. 

This notice is not a refusal to pay. It is a lawful demand for verification of your claim. Please provide all requested documentation electronically. 

Govern yourself accordingly. 

Sincerely, * * XXXX XXXX * *

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
CREDITACPT is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDITACPT 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 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 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells fargo released partial funds on a XXXX check I deposited in the branch yesterday, signed in front of and verified by the teller and supervisor, overnight, the system decided my signature is fraudulent and took the funds out, without notification, and it put my account negative {$310.00} which they are now trying to charge me {$35.00} XXXX XXXX for each transaction. They claim there is noone to talk to regarding my check and that I signed it in front of them. It's a settlement check. They are telling me it'll be atleast 9 days before they release the funds and there is nothing anyone can do about it meanwhile, I'll be racking up all these bank fees for something they did on thier end. They are stealing from me. It's a settlement check. It's no way fraudulent and I signed it in front of them.

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 2026-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
The debt collector is known as Credit Collection services that sent me a letter through the mail that states that I owe {$45.00}. The link they provided of their website seemed very misleading and unreliable where i felt uncomfortable to provide my information to pay this. I am unsure if to believe this letter I received from the mail or not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing a complaint regarding Capital Ones handling of a XXXX payment dispute. I sent {$500.00} via XXXX from my Capital One checking account to an individual in exchange for a product/service that was never provided. 

While I authorized the XXXX transfer, the payment was induced by misrepresentation. The recipient failed to deliver the promised product and ceased communication. 

Capital One denied my claim solely on the basis that the transfer was authorized, without conducting a meaningful investigation into merchant deception, misrepresentation, or whether the recipient account has prior fraud indicators.

I requested a second-level review, but Capital One has not provided a timeframe or documentation supporting their denial.

I am requesting a full investigation, disclosure of any findings related to the recipient account, and reimbursement if fraud or deceptive practices are identified. I will attach me and the individuals text messages with his number that is linked to his XXXX, as well as the timestamps for those messages between us. I will also attach a screenshot with what day and time I sent the money over to this individual. I contacted the individual days after I sent him the money by phone call and through text but I was left with no response. Capital one also claims because it was an authorized transaction there was nothing they or XXXX could do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Im not understanding information in my account transitions in my account balance I was in the hospital in seeking legal assistance I dont understand where my money out of my account in where is my vehicle Im missing {$4600.00} which is not verified where the funding gone I dont understand how i could been in repo in my money in my account misssing I understand if I had no money in my account of course Ill be in repo that understandable however you cant repo a vehicle that i had auto bill pay in the funding was in my account in said I was not in repo you was call by the towing company that I have not picked up The vehicle in the bank couldnt get in response with me of course I was in the hospital in seeking legal assistance however the money was in my bank account when I signed up for the loan they displayed i was on auto pay if i payback the amount myself each month they would not take it out how ever if I dont pay it by the due date it would be auto payment take out of my account I understand that which I had the monthly payment in my account even if I was not responding

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 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
Hello MoneyGram Support Team, I am writing to formally follow up on my replacement request for a fraudulently cashed money order, as I have not yet received a resolution and the matter is now urgent. 

Your records clearly show that the money order was not cashed by the intended recipient. The endorsement and deposit do not match the payee information, confirming that this was a fraudulent transaction outside of my control. 

I would also like to note that, according to FTC and DOJ filings, MoneyGram has a documented history of failing to adequately protect consumers from fraud, which ultimately led to a federal settlement. This matter directly aligns with those findings, as this transaction was processed despite clear indicators that it was not negotiated by the rightful payee. 

I am in desperate need of this replacement, as the missing funds were intended for rent payment to my landlord, and the delay has placed me at risk of further financial hardship. 

Please provide an immediate status update on my replacement request and advise when I can expect resolution. I am requesting this matter be escalated for urgent review

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I completed a job for a customer on XX/XX/year> per contract that was signed. 
Customer was there for install but left prior to job being finished when he knew balance was expected to be collected. It is stated in the contract that balance is due same day as completion of install. The client promised to pay that evening and never did. He went silent on communication until I told him I would be escalating this to an attorney if not paid. He then reluctantly paid and insisted that a small piece of wood was not hauled off. I offered to come back at my soonest convenience, but instead, the client refused to schedule a time and in return disputed the charge via Square App. This was not brought to my attention prior. When I reached out to the customer about this, he said he was refunded the money via Square and used it to pay off other jobs. This is fraud. He disputed a charge in order to use the payment for another service. The XXXX XXXX XXXX ruled this in my favor per the contract signed between both parties. In addition, my bank has refuted the charge, but Square continues to take the money out of my account. Square has not been helpful to get this resolved and after further digging on my end, this has been recorded as a common fraud issue happening via their app. 
I am a small business and each payment received is needed to pay for material and labor to keep my business running. Having this money taken from me, means I am having to pay out of pocket for material, labor, and additional bills. In addition, I did not require a deposit and only required payment when the job was completed as agreed on per contract. 
This is incredibly frustrating due to the fact I am out money for a job that was completed, but also frustrating that a customer can easily dispute via Square, knowing it will favor them over me. 
The balance due is {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Recovery Management
State: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: MA

Complaint narrative:
WESTLAKE XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research WESTLAKE XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: MS

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 non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a Bank account. Ive had this account for years and deposited XXXX  into the account yet this bank wont approve me for a personal loan. It was said the duration of time I had the account is the reason. Than I applied again and they said I dont have enough credit history, than it was about a revolving account. Everytime was something different. Yet these Managers gets paid XXXX XXXX  per year. I would like to receive a loan and will pay it back according to terms.

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 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/year>, I was contacted by an individual impersonating XXXX support during an active delivery. I was instructed to withdraw {$1200.00} in cash under false pretenses for account verification and compensation. XXXX later confirmed this was not their employee. Bank of America classified this only as a scam, told me to go to the merchant despite no merchant exists for a cash withdrawal, and stated there was no appeal process. I reported this immediately, obtained a Bank of America case number, and filed a police report. I am requesting a formal review and reimbursement consideration for impersonation and social engineering fraud.

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 2026-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Team Recovery Inc.
State: OH

Complaint narrative:
On XX/XX/year>, I received XXXX XXXX XXXX at XXXX XXXX and later began making payments directly to the hospital. Before the account was sent to collections, I contacted the hospital billing department to confirm whether additional steps were required. I was told that as long as I was making payments, the account would not be sent to collections. 

At no point was I informed of a required minimum payment amount, and no minimum payment requirement was disclosed on my billing statements or during my phone or online conversations with hospital staff. Relying on this information, I continued making payments in good faith. 

Despite this, the hospital sent the account to collections, later stating that it was due to not meeting a minimum payment requirement that had never been disclosed. I contacted the hospital multiple times, including speaking with supervisors, and requested that the account be recalled due to billing misinformation, but the hospital refused. 

As a result, the collection agency is attempting to collect a medical debt that arose from provider misinformation and lack of proper disclosure, despite my good-faith payment efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BSI Financial Holdings, Inc.
State: IL

Complaint narrative:
I dispute the assessment and collection of default-related fees and charges on my account, including but not limited to late fees, default fees, property inspection fees, legal or foreclosure-related fees, and any other charges assessed in connection with an alleged default. 
BSI Financial has assessed and posted default-related fees without providing a compliant Right to Cure / breach notice prior to charging such fees. BSI Financial failed to provide notice of default and proof of mailing. This conduct violates Illinois law, including 815 ILCS 137/105 ( Right to Cure ), as well as the terms of the Promissory Note and Illinois security instrument outlined in the loan documentation ( attached Below ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRE is a debt collector. They are falsely reporting on my credit!! Account number isXXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: Chime Financial Inc
State: RI

Complaint narrative:
On XX/XX/year> I was online setting up a XXXX sellers account when I received a notification at XXXX XXXX  that {$310.00} had been authorized from my Chime account. I did not make a purchase so I immediately went to the Chime app to freeze my card. As I was navigating the app to freeze my card another charge of $ XXXX this attempt came through at XXXX XXXX  : XXXX minutes later. There wasnt a sufficient balance so that one was declined. 
Once I froze my card I immediately called Chime to report I had not made a charge and that I believed I was phished. 
I am out of work on a mental health leave and my insurance pay is {$310.00} a week- I was paid earlier the day of XX/XX/XXXX. It isnt likely to be coincidence that my deposit was {$310.00} then {$310.00} is stolen and {$310.00} is attempted to be stolen all on the same day. 

Chime customer service said that the charge couldnt be stopped as it was pending and that it would likely be flagged but if it went through then I could open a dispute. 
I waited until the next day and the charge went through. I called again the next day ( XX/XX/XXXX ) to open the dispute. I wrote what happened and submitted. They denied it saying the charge was made by me. I couldnt believe it so I called Chime again and was told I needed a police report. 
So I called my local police and they sent an officer to my house where I explained what happened- showed him on my computer and he noted that the charge was from an online marketplace for bitcoin. I dont know anything about bitocoin and definitely did not make a purchase. 
I then sent Chime the police report and they closed the second dispute with the same reasoning that the charge was justified. 

My husband looked online for resources to resolve this. {$310.00} was stolen from my account and when you search XXXX phishing scams there are a barrage of stories similar to mine. He came upon your agencies website. I had done every thing on your checklist and the only thing I hadnt sent Chime was a sworn affidavit. ( In not one of my talks with Chime customer service agents, including supervisors, did anyone make mention of submitting this, so I made a third attempt to dispute it with a sworn affidavit attached. Under penalty of perjury I did not make a charge of any amount to mp * XXXX XXXX ever. 
I dont know how else to resolve this. Its so disheartening to be not believed when this case seems so clear cut! I got scammed and Chime wins. Its very unfair and I shouldnt be fighting this hard for more than a month when I did every step to report this. I dont know what else to do and I really hope this is fixed to prevent them from doing this to others.

Company response to consumer: Closed with explanation