vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: NC

Complaint narrative:
In XX/XX/XXXX I purchased a gaming console from Best Buy using a My Best Buy Visa Card issued by Citibank. In XX/XX/XXXX I returned the item to the Best Buy store and received a confirmed refund of {$530.00} back to the card. I have the return receipt confirming this transaction. Despite the confirmed return, Citibank has continued to generate monthly billing statements demanding payment on this account. As of XX/XX/XXXX the statement shows a balance of {$1100.00} with a minimum payment of {$180.00} due on an account that should reflect XXXX following the confirmed return. I have contacted both Citibank and Best Buy more than four times each to resolve this. Both companies repeatedly directed me back to the other party with no resolution. On at least one occasion a Citibank representative dropped the call while I was in the middle of explaining the situation. Neither company has taken any action to reconcile the accounts or correct the error. I am seeking the following resolution : confirmation in writing that the account balance is XXXX, confirmation that the account is closed, confirmation that no adverse credit reporting has been made or will be made to any credit bureau in connection with this disputed balance, and an immediate halt to all collection calls and billing demands.

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 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
I was sold a fake phone. I immediately contacted Cash App and let them know and filed a dispute. I have also reported it to the police.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
Subject : Complaint Against Midland Credit Management , Inc. Failure to Validate Debt and Continued Credit Reporting To Whom It May Concern, I am submitting this complaint against Midland Credit Management , Inc. regarding their failure to validate an alleged debt and their continued reporting of this account to the credit bureaus. On XX/XX/year>, Midland Credit Management , Inc. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX with XXXX XXXX XXXX XXXX tracking : XXXX received my written request for validation of this alleged debt. To date, they have failed to provide any proper validation or documentation supporting that this debt is accurate and belongs to me. I requested a cease and desist letter as well and sent to XXXX of Midland Credit Management locations XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX with tracking : XXXX that reflects they received it on XXXX XXXX, XXXX and their Compliance office location P.O. Box XXXX, XXXX XXXX, CA XXXX with tracking : XXXX received on XX/XX/year>. Despite failing to validate the debt, Midland Credit Management continues to report this account as an open collection account on my credit reports. This reporting is inaccurate and misleading, as the debt remains unverified. I believe Midland Credit Management , Inc. may be in violation of the Fair Debt Collection Practices Act by continuing collection activity without providing validation, as well as the Fair Credit Reporting Act by reporting unverified and potentially inaccurate information. I am requesting that this matter be investigated and that Midland Credit Management XXXX Inc. be required to : XXXX. Provide proper validation of the alleged debt, or XXXX. Immediately delete this account from all credit reporting agencies I have attached copies of my validation request, proof of delivery, and cease and desist letter for your review. Thank you for your attention to this matter. I look forward to your response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: WA

Complaint narrative:
I had a friend send me two transactions of {$20.00} each when it went through onto my phone I will get a text message that says it was sent by this friend I look into my cash app and it was not there so I called cash out I try to talk to them they told that they're looking into it they are not explaining to me where it is they were going to send me to somebody else and they never did I sent them not to screenshots I hope the transaction and how it was sent and then I tried to cancel other things through my catch up and the same number popped up they were trying to say that it was a scam but they're not replacing my money apparently

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was in XXXX in XX/XX/year> and was at an establishment having food and drinks. When it came time to pay I paid cash and gave additional for a tip. They said not enough and I was confused because I paid even more by adding a tip. Things escalated verbally and they were getting nasty and demanded more money. I gave them a credit card to pay whatever they wanted so I could leave and just dispute with my credit card when I got back to the states. They told me my card was declined and they demanded more money. I gave them another credit card and then debit card. They kept saying declined and i had no other form of payment or cash and then they told me to leave. When I got back to the states I noticed all these charges for very high amounts and disputed and let the credit and debit card company know what happened. the Bank of America debit card approved my claim and reversed the charges but the Bank of America credit card side denied my claim and so did mercury credit cards. I have been faxing information they've been requesting for about 3 months now showing I've been charged by the same place on multiple credit and debit cards on the same date proving I'm being scammed. I also sent in the proof that Bank of America debit card approved and reversed the charges. I have requested for them to perform a chargeback but they refuse to even ask they merchant for anything or proof of anything because they are stating I haven't proven enough for them to even investigate. I have a charge for about {$750.00} on the Bank of America credit card and XXXX separate charges for about {$750.00} and {$1000.00} on XXXX credit cards and I had a charge for about {$230.00} on Bank of America debit card. The Bank of America debit card found in my favor and reversed which is why I'm so confused on how with the same information that the Bank of America credit card side denied me, they are the same company. Then they told me I ran out of time after having me jump through hoops for XXXX. I just want my money returned. I wasn't given a receipt, this was a scam they ran. It's not possible for me to have a receipt and the credit cards companies are letting them rob me and I'm very disappointed how I've been treated be both Bank of America credit card and XXXX credit card. I've been with both for 10-15 years. They won't even contact the merchant and just stick me with the bill. How can the debit card side find in my favor but the other side not do their job. Absolute lazy bums. I'm disgusted with both companies now

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 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
The debt collection company has contacted me many times in the past and today on XX/XX/year> at exactly XXXX XXXX they reached out to me again i know in the past Ive unsubscribed from their email list weeks or months can go by and eventually theyll contact me again even after Ive unsubscribed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ZWICKER & ASSOCIATES
State: TX

Complaint narrative:
Zwicker and Associates ( XXXX XXXX state bar # XXXX ) received a settlement amount for me in XXXX. This was a fraudulent debt I didn't owe but settled to have my bank account released. The settlement made was accepted and account was released. On XX/XX/XXXX, the same company along with XXXX XXXX XXXX XXXX bar # XXXX submitted a judgment that had been satisfied to the courts representing false, misleading and deceptive acts. ( FDCPA. both attorneys and the firms have displayed actionable deception. This a violation of the Consumer protection laws the result of their carless actions has caused an immense hardship on my family, defamed my character, financial devastation, emotional distress, burden of defending, reputational damage, disruption of daily life, and malicious prosecution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AL

Complaint narrative:
am filing a complaint regarding an unauthorized debit card transaction of {$1100.00} that was processed on my account and has now been denied XXXX by Chime without sufficient explanation. I did not authorize this transaction, I do not recognize the merchant, and I received no goods or services. I reported the transaction promptly and provided a written dispute statement, yet Chime concluded no error occurred without providing any supporting evidence. Under Regulation XXXX, an unauthorized transaction includes any transfer initiated without my authority. The burden is on the financial institution to demonstrate authorization, which has not been provided. I am requesting that Chime reopen the investigation, provide all documentation used in their determination, and reimburse the full {$1100.00} amount. I am seeking a fair resolution in accordance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
I spoke to U.S. Department of Educations ( DOE ) Default Resolution Group and was informed TRANSWORLD SYTEMS contract with the DOE expired in 2017. As a result DOE told me not to communicate to TRANSWORLD SYSTEMS. TRANSWORLD SYSTEMS is attempting to collect a debt and engage in collection activity on behalf of the DOE. If so, this is a violation of certain consumer laws. I demand TRANSWORLD to show proof of a current contract to collect debt on behalf the DOE. Otherwise, cease and desist any and all debt collection activity forthwith.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is a fraudulent hard inquiry that i am reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
To : Credit Collection Services Inc XXXX. XXXX XXXX XXXX, MA XXXXXXXX XXXX : FORMAL NOTICE OF DISPUTE, REQUEST FOR VALIDATION, AND DEMAND TO CEASE REPORTING To Whom It May Concern, I am writing regarding an alleged debt that your company claims I owe. This letter serves as a formal dispute of the validity of the alleged debt and a request for full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXXg, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq. The account in question was reportedly charged off by the original creditor more than XXXX and XXXX XXXX ( XXXX ) years ago and has since been circulated among multiple thirdparty collection agencies. The continued reporting and attempts to collect on this account have caused significant financial harm, including damage to my creditworthiness, higher interest rates, reduced access to financial opportunities, and ongoing emotional distress. Under federal and applicable Connecticut consumer protection laws, I hereby demand the following : XXXX. Provide complete validation of the alleged debt, including : The name and address of the original creditor The original account number A complete payment history The amount allegedly owed, including itemized interest and fees Copies of any signed agreement bearing my signature that creates a legal obligation Documentation showing your legal authority and chain of assignment to collect this debt XXXX. Cease all collection activity until the requested validation is provided. XXXX. Immediately cease reporting this account to any credit reporting agencies until such time as the debt has been properly validated. XXXX. If your company can not fully validate the debt, you must immediately delete any tradeline or reporting associated with this account from all credit reporting agencies. Please be advised that reporting information to credit reporting agencies that you know, or should know, is inaccurate or can not be verified may constitute violations of the FCRA. Furthermore, continued collection attempts without proper validation may violate the FDCPA. Should your company fail to comply with these requests, I reserve the right to pursue all remedies available to me under federal and Connecticut law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Connecticut Attorney Generals Office, and pursuing private legal action for damages. This letter is not a refusal to pay, but a notice that the alleged debt is disputed and must be validated. Please respond in writing within XXXX ( XXXX ) days of receipt of this notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am writing to submit a complaint regarding discrepancies with my recent credit card billing and rewards redemption. An invoice I received listed a balance of {$150.00} ; however, a separate email indicated the amount due was {$140.00}. Based on this information, I used the online rewards redemption feature to apply a credit toward my balance and paid the remaining difference. When I logged into my account today, I noticed there was still a balance of {$5.00} due. I contacted customer service for clarification, but the representative was unable to explain the discrepancy between the invoice and the email amount. Additionally, I was informed that rewards can not be applied directly toward the bill in the manner I attempted. I was not aware of this restriction. I was told that this information would have been displayed during the rewards redemption process ; however, I did not receive any clear notice indicating that the redeemed rewards would not be applied toward my balance. I only received confirmation that the request was submitted. I then requested to speak with a supervisor, XXXX, who was also unable to clearly explain the discrepancies regarding both the billing amount and the rewards redemption. I was further informed that the late fee associated with the remaining balance could not be waived. Therefore, I am submitting this complaint regarding : 1. The discrepancy between the invoice amount and the email amount due 2. The lack of clear communication regarding how rewards redemption applies to my bill Given these circumstances, I am requesting that the late fee be waived. Please contact me if any additional information is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I was originally contacted by XXXX XXXX about a medical debt. I informed them that my insurance provider paid the debt. They replied that they didn't cover the entire bill. I asked for an itemized bill and never received it. Months later i see another company called Synerprise had put an collection on my report. I thought it was fraud so i put in a complaint with the credit bureaus. They came back verified. So I contacted my insurance provider and they sent me a email of the bill they received from US anesthesia. The debt was significantly lower than what's reported on my credit report. Plus there was just one debt not two as being shown on my report. I contacted transunion about it and was treated rudely as i asked for the method of verification. Feeling frustrated i submitted another dispute with transunion and experian. I'm reaching out to y'all for some assistance to help resolve this matter as i attempt to repair and rebuild my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Servicer under contract with Federal Student Aid
State: CT

Complaint narrative:
I spoke to U.S. Department of EducationXXXX XXXX DOE ) Default Resolution Group and was informed XXXX XXXX contract with the DOE expired in XXXX. As a result DOE told me not to communicate to XXXX XXXX. XXXX XXXX is attempting to collect a debt and engage in collection activity on behalf of the DOE. If so, this is a violation of certain consumer laws. I demand XXXX to show proof of a current contract to collect debt on behalf the DOE. Otherwise, cease and desist any and all debt collection activity forthwith.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am receiving repeated email communications from Resurgent Capital Services regarding a debt that does not belong to me. They send me an email every XXXX days. I am not the person they are trying to contact. I already contacted the company and informed them that they have the wrong person, but they continue to send emails to my email address. Their email states, If you are not this person please respond letting us know. I did that, yet the communications continue. The emails also reference a prelegal process and possible legal action, which is alarming and inappropriate because I do not owe this debt and am not the intended consumer. XXXX of the emails identifies the alleged account as associated with XXXX XXXX XXXX XXXX and says the current owner is LVNV Funding LLC. It also says the account may be forwarded to an attorney for review in approximately XXXX days. None of this debt information belongs to me. I am a wrong-party recipient. I have contacted them on XXXX occasions on the phone ( recorded ) and confirmed that I was not the individual they are trying to contact. Phone calls were made on XX/XX/year> and XX/XX/year>. I want the company to immediately stop contacting me, remove my email address from its systems, and mark me as a wrong party/ do not contact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Unfair and Deceptive Practices On XXXX or about the XXXX I received a call from citi Cyber security, they never asked for any private information nor did I give them any, they asked me was I trying to purchase something and I asked them did they get hacked and was told they was trying to figure it out. NEVER GOT NOTIFICATION ABOUT BEING HACKED BUT THEY ADMITED and was told to change my profile.. I went into the branch in XXXX ca. on the XXXX. The banker that helped me had difficulty and had to resort to the back office. Citi blocked my card and restrict my account to only incoming deposits nothing coming out. I was told then to get another card in which I did and was activated. After the banker XXXX called the back office I was able to make transactions but the person that did it unrestricted the old card ending in XXXX now as of XXXX about the XXXX I was told that my account is under review again? They are the reason not me This is causing irreparable harm noy having access to my account, paying bills and so fourth. Please help. CITI has failed to provide any information, timeline and release of account and funds despite me visiting a branch in person as requested.

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 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was charged {$24.00} by XXXX without my authorization. I did not knowingly sign up for any subscription or create an account with this company. On or around [ insert date ], I may have accessed their website for a VIN report, but there was no clear disclosure that I would be enrolled in a recurring subscription. I did not agree to any monthly charges. Later, I noticed a charge of {$24.00} on my card. I immediately contacted the company via email to request cancellation and a full refund, stating that the charge was unauthorized. As of now, the issue has not been properly resolved. This appears to be a deceptive billing practice where users are unknowingly enrolled in a subscription after a one-time payment. I have since contacted my bank to dispute the charge and prevent any future unauthorized transactions XXXX XXXX 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 monetary relief