vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: OH

Complaint narrative:
Filed for Bankruptcy on Monday XX/XX/XXXX, woke up on Tuesday the XXXX to my Chime checking account being drained to {$0.00} with unauthorized sweep deposits into a Credit Builder account that I have never heard of or seen or had access to ever before. Called multiple times and got hung up on repeatedly. Told by someone the money would be mailed to me since they closed my credit builder account which I dont have. Someone else said the funds will go back to my checking account at some point they just dont know when so I couldnt close my account. Was told by yet another that it would be escalated to someone that actually knew what they are talking about and could do something about it within XXXX hours they were supposed to contact me, never got any sort of communication from any sort of superior. Called once again to them and they said that since I filed for bankruptcy they cant give me my money back, even though I didnt owe anything to them and only EVER used my OWN money from my own checking account that I put in there myself. No one can tell me what gave them the authorization to drain my checking account when I owed them nothing and I was hung up on for the dozenth time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
Okay I have worked with XXXX different people on my account .. Each and everyone is saying different things to me .. What I need to pay at closing, getting a escrow check to getting the check.. Then at closing I signed my DOCS for my final closing it was totally different what I needed to bring.. Then when I got with the notary it stated that I should have a credit!! Called American Funding back and they could not figure out what was going on .. Then someone stated that I should be bringing money to closing.. I just really need someone to investigate my account Even the notary was perplexed about what was going on because numbers did not line up

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Asset Recovery Solutions, LLC
State: MI

Complaint narrative:
I have asked this company repeatedly for debt validation complete and total debt validation not just the last statement of a supposed credit card I'm talking about complete debt validation the assignment of the contract the whole entire ball of Wax pursuant to the federal guidelines they have not gotten to me and now they keep repeatedly emailing me and now they are telling me they are going to send it to a law firm

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX I received over XXXX phone calls from unknown numbers. The calls kept coming. I answered and was told there was activity on my Cash App. To identify myself Cash App sent codes to my phone and I went and entered the codes to verify it was me. Then I was told to enter my pin to verify everything. After completing everything I felt my Cash App was secure not knowing I just gave XXXX permission to steal {$1700.00} using my Cash App. I went to XXXX to make some purchases and my card was declined. I went to my car and viewed my account to find XXXX had made not XXXX but XXXX transactions using my Cash App. I called my bank and was told to call Cash App and have the pending transactions canceled but the representative told me that she would start an investigation and my card was deleted. I have requested a refund from XXXX but it's still pending. XXXX was used to send me messages and make the phone calls after researching I found that out.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: IDAHO CENTRAL CREDIT UNION
State: FL

Complaint narrative:
On today at XXXX an account under the name XXXX XXXX with Idaho XXXX XXXX wired thereselve XXXX dollars to their account from my credit cards with XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Harpeth Financial Services, LLC
State: FL

Complaint narrative:
I got a stupid XXXX loan through this company Advance Financial. It went into collections. Advance Financial sold my account to someone called XXXX XXXX XXXX has emailed me XXXX times in XXXX days. They dont need to do this. They shouldnt be allowed to do this. It is harassment..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Westcreek Financial
State: AZ

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and Metro 2. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: CA

Complaint narrative:
CREDIT COLLis falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLis 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 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
Hi I am Im making this complaint against COLUMBIA DEBT RECOVERY for identity theft. I have never given COLUMBIA DEBT RECOVERY any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until COLUMBIA DEBT RECOVERY can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and COLUMBIA DEBT RECOVERY continues its collection efforts, I will file for litigation for actual damages caused and COLUMBIA DEBT RECOVERY will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/year> my daughter used my credit card to buy used food from a merchant online. The company name is XXXX best and the amount was {$1500.00} and {$550.00}. On XX/XX/year>, the same company again for {$1000.00} and {$520.00}. The company has never ship out anything for my daughter order Our address is XXXX XXXX XXXX XXXX, XXXX AZ XXXX, United States. And we never received a confirmation emails or text about our order I have reached out to the company a few times and they did refund the {$520.00} purchase and wished me good luck on the other purchased. I did contact capital one and was told it was not fraud. I didnt know it was a scam. We never get any goods from them. Please help us!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2026, I applied for a Capital One XXXX credit card through an application page that clearly displayed and advertised Mastercard branding. I selected this card specifically for international travel use. After approval, I was issued a XXXX network card instead. XXXX is not widely accepted internationally despite what they say. I already have a XXXX credit card which I can not use internationally from experience, so this new card does not meet the purpose for which I applied. I contacted customer service and was told the network can not be changed and that closing the account would still impact my credit. I believe this is misleading, as the product I received does not match what was presented during the application process. I am requesting a review and appropriate resolution. Attached is a screenshot of the application portal which clearly depicts Mastercard as the network, not XXXX. Additionally, I have attached the account terms which does not clearly identify XXXX. I have also attached a photo of the approval page after submitting my application ; this page does not identify XXXX as my network, which would cause any reasonable person to continue believing that this card is a Mastercard.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am submitting this complaint regarding multiple debt collection agencies that appear to be engaged in a pattern of unlawful debt collection activity and credit reporting violations, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I formally disputed the alleged debts listed above and requested validation pursuant to 15 U.S.C. 1692g of the FDCPA. Under federal law, once a consumer disputes a debt, a debt collector must cease collection activity until proper validation has been provided. Despite receiving my dispute, these companies have failed to provide legally sufficient documentation demonstrating that I have any contractual or legal obligation for the alleged debts. Specifically, the companies failed to provide : A copy of the original signed agreement creating the debt Documentation showing the complete chain of title for the alleged account A bill of sale or assignment demonstrating lawful ownership of the debt A complete accounting of the balance claimed Documentation establishing legal authority to collect the debt Instead of validating the debts, these companies appear to be continuing collection efforts and/or furnishing information to consumer reporting agencies without verifying its accuracy. This conduct may constitute willful noncompliance with federal law, including, but not limited to, violations of : Fair Debt Collection Practices Act : 15 U.S.C. 1692g Failure to validate a disputed debt 15 U.S.C. 1692e False or misleading representations regarding a debt 15 U.S.C. 1692f Unfair or unconscionable collection practices 15 U.S.C. 1692c Improper collection conduct following a written dispute Fair Credit Reporting Act : If these companies are furnishing information to consumer reporting agencies without proper verification, this may constitute violations of : 15 U.S.C. 1681s-2 Furnisher duty to provide accurate information 15 U.S.C. 1681e ( b ) Requirement to follow reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i Failure to properly investigate disputed information Additionally, furnishers of credit data are required to follow XXXX XXXX Credit Reporting Resource Guide standards when reporting accounts. Reporting inaccurate, incomplete, or unverified information may constitute regulatory violations and may expose the furnisher to civil liability. Based on the actions described above, it appears that these companies may be engaging in a pattern and practice of regulatory violations, including attempting to collect debts without proper documentation and furnishing potentially inaccurate information to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: HW Holding, Inc
State: GA

Complaint narrative:
I am filing a complaint regarding Hunter Warfield ( debt collector ) for failure to properly update and remove a resolved account from my credit report. The account ( Acct # XXXX ) has been paid in full, and I have written confirmation from Hunter Warfield that a deletion request was submitted to all three credit bureaus. It has now been over 60 days, and the account is still reporting on my credit file. I contacted Hunter Warfield to resolve this, and the representative refused to provide written confirmation of any action, stated they would escalate, and then disconnected the call when I mentioned filing a complaint. This is inaccurate reporting of a resolved debt and failure to properly update consumer credit information. I am requesting immediate removal of this account from all credit bureaus and written confirmation of deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I contacted Sycrony bank to first inquire why they closed my Lowe 's account. I was told it was due to non-usage. Thus was a lie. They then attacked the rest of my accounts held by Sycrony bank and decreased my other lines of credit causing a significant decrease in my credit score and a significant increase to my debt to ratio. This action caused a domino effect with my other creditors causing nearly a XXXX point decrease in my credit score. I have never missed a payment and my credit history reflects this information. I was told by the representative that they can close my account for any reason and they hung up. I tried to get the account reopened for my lowes account, I never received any communications from Sycrony bank about any of 6 accounts with them. Recently I paid all my accounts off with them and they once again decreased my lines of credit causing further damage to my credit score. It appears from the reviews that I have read recently that this is a common practice. I would like to have my credit lines returned and my credit report corrected immediately. This occurred with my Lowe 's, Amazon, XXXX XXXX XXXX and my XXXX XXXX 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 explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
I was transferring some of my money onto my Cash App account to my XXXX XXXX account. Days later I was unable to access my account I called the Cash App to get more information on why I wasnt able to get into my account. I was told due to security reasons they were not able to tell me as to why I cant access my account. One person told me that its under investigation, another person told me that he would be able to transfer my money to one of my Cash App accounts to another and it did not work. As of today I was told that I only had XXXX dollars in my account and that XXXX XXXX of that was put into crypto currency. I informed them that I have not been able to get into my account since XX/XX/year>. how was my money moved into a crypto currency when I dont have that at all as well, Ive Never used it crypto currency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NRA Group, LLC
State: FL

Complaint narrative:
Contacted me or anyone about my debt in the wrong way. They Contacted a third party about my debt ( my eldest sister ). A debt collector contacted my eldest sister via email regarding an alleged medical debt of {$880.00} stemming from a hospital visit in XX/XX/XXXX. I was not notified about this debt until it appeared on my credit report in XXXX as a newly opened account. I did not authorize any contact with my sister, and she is not a co-signer or responsible party on this debt in any way. The representative verbally informed me of the email they had on file via telephone call upon contacting them. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( b ), which prohibits debt collectors from communicating with third parties in connection with the collection of a debt. I am requesting that the CFPB investigate this violation, that the collection agency immediately cease all contact with third parties, and that this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I am able to go on line since first of year and seeing the problem with unusual amounts taking out of account since XXXX maybe XXXX. Have attached XXXX showing legal fees? Prepetition unapplied?, unapplied payments, XXXX of them in XXXX with different amounts, investment loan sale? Asked about this and why payment was increasing again {$110.00}, then XXXX and still not adding up to me getting credit for paying loan. Newrez did a check on account and let me know payment went down {$45.00} and yet has 2 different payments due XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
I am filing a complaint regarding an XXXX service that was incorrectly billed and improperly sent to collections ( Holloway Credit Solutions, XXXX, A debt Collector ) On or about [ insert date of service ], I had two XXXX-related services performed by XXXX XXXX XXXX on the same day. One XXXX was handled as self-pay, and I paid {$480.00} in full at the time of service using my debit card. The second XXXX was ordered by XXXX XXXX XXXX ( XXXX ) and was supposed to be billed through my insurance. My insurance information was provided to the provider at that time. For the XXXX ordered by my physician, I was charged {$25.00} at the time of service, which I paid by debit card. However, I have no confirmation that this amount was correct because the provider never properly submitted the claim to my insurance company. The fact that I was charged an amount represented as a deductible indicates the provider had and used my insurance information. Despite this, they failed to properly complete the billing process and instead incorrectly classified the service as self-pay and later sent it to a collection agency. Because the claim was never properly submitted, I was denied the opportunity to receive an Explanation of Benefits ( EOB ) and verify the accuracy of any charges. This is clearly a billing error on the part of the provider, not a failure to pay on my part. Because of this error : My insurance was not properly billed I was denied the benefit of my insurance coverage I am now being pursued by a collection agency for a balance that should have been processed through insurance I have attempted to resolve this issue, but it has not been corrected. I am requesting the following : 1. ) Immediate submission of the claim to my insurance 2. ) Recall of the account from collections 3. ) Cessation of all collection activity 4. ) Removal of any negative credit reporting related to this account 5. ) That I will only be held responsible for the correct amount after proper insurance processing, if any This situation is the result of a provider billing error, and I should not be penalized for their failure to properly submit the claim.

Company response to consumer: Closed with explanation