vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc.
State: CA

Complaint narrative:
So last year XXXX my Cash App account was closed. I received emails saying that my account would be closing. The reason for the closing is not really told to me so I have no clue but I guess they seen things within my account that didnt fit their guidelines so I accepted that but I had made a couple of disputes last year with some transactions in my account that I didnt recognize. I feel like they closed my account after that because they thought that maybe I was doing fraudulent disputes so fast forward to XX/XX/XXXX. I received a email from Cash app stating that from XX/XX/XXXX to XX/XX/XXXX. I have been charged multiple times due to a glitch in their system and that they owed me money I was told that I needed to send them my statements from my bank so that they can send me that money into my account within XXXX  days. I have been trying to get in contact with someone regarding the email which I have attached to this conversation, I have called multiple times as well as contacted their chat representatives and I have gotten no help. They end up talking about my account being closed which I already knew it was or going way off topic and when I asked to speak to a supervisor they tell me that I am not able to speak to XXXX. Ive worked plenty of jobs so Im I am aware that theres always somebody above at the XXXX XXXX Nobody has did anything to help me to try to figure out whats going on with money that clearly they have stole from me and I am deemed able to receive. I do have 60 days to provide this information so that they can send me my reimbursement of money that they have taken from me today XX/XX/XXXX. I contacted the customer service department via phone and chat. The chat was no help as always, and the phone calls no help as always, but the representative also told me that my account was not closed. It was only suspended and that he could possibly help me get my account back open yet. I have emails saying that my account has been closed and when you go on my account, it says that its been closed so Im being told different things as well as nobodys trying to help me get money back that was stolen from me from Cash App. I have no clue where to even send my documents so that they can be evaluated and I can be reimbursed. The time is ticking in 60 days is not a long time cash app honestly has very ignorant Customer Service and they never help any of their customers nor does it seem like they care to help. I have been so patient and now it has taken me to contact you guys to resolve this matter. I have attached the email that was sent to me through Cash app, and theres so many screenshots but I have screenshots of my talk with Cash App via chat. I need cash apps prompt attention in helping me to get this done asap so that I could get the money back that they stole from me. My account for Cash App is XXXX and my phone number is XXXX thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: MD

Complaint narrative:
XXXX XXXX has been calling me about a car rental agreement that I dont know of. They refused to give me the details and have sent me over to their collections agency called Vikings client services, llc of XXXX XXXX  Their letter reference is XXXX. Their contact is ( XXXX ) XXXX. They allege I owe {$220.00}. 
I suspect am a victim of identity theft since I have not undertaken any business with XXXX at all. Am challenging them to furnish me with any details about the alleged transactions between myself and them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On or about XX/XX/XXXX ], I transferred {$10000.00} to XXXX XXXX for the purpose of repairing and/or returning a vehicle described as a XXXX XXXX XXXX, XXXX, XXXX XXXX. This payment was made after representations were made that XXXX XXXX could and would complete the necessary work and return the vehicle within a reasonable timeframe. 

The arrangement was initiated and facilitated through my landlord, XXXX XXXX, who introduced or recommended XXXX XXXX to me and was aware of the purpose of the payment at the time it was sent. Although XXXX XXXX now claims he had no involvement after the funds were transferred, his prior actionsincluding facilitating contact, encouraging the arrangement, and allowing the transaction to proceed under his roofdirectly contributed to my reliance on this agreement. 

XXXX XXXX accepted the {$10000.00} but failed to return the vehicle, failed to complete the agreed-upon work, and failed to provide timely updates or documentation justifying the continued retention of both the funds and the vehicle. As of today, neither the vehicle nor the funds have been returned. 

Both parties bear responsibility for this situation. 
XXXX XXXX is responsible for accepting funds without delivering the promised services or returning the vehicle or money. 
XXXX XXXX is responsible for facilitating the arrangement, encouraging reliance on XXXX XXXX, and later attempting to disclaim involvement despite being aware of and connected to the transaction. 

As a result of these actions, I have been deprived of {$10000.00}, the use and possession of my vehicle, and my ability to work and attend school, causing financial and personal harm.

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 2026-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PLANET HOME LENDING, LLC
State: PA

Complaint narrative:
The company reported I took out a XXXX XXXXear mortgage, which I only took a XXXX year mortgages, and I filed XXXX XXXX  and put my home included. The can not report to the credit bureau but they did and marked me down as XXXX  days late, with miss information saying XXXX late XXXX when my mortgage is only XXXX. And they mortgage was purchased my mortgage loan from XXXX service system. And I have the zero owe from them ( XXXX ) plus when I make my receive a not which state this is for information purposes and this is not an attempt to collect a debt. Plus I have the letter from XXXX stating my loan was put under discharge XXXX XXXX. As long as you make your mortgage payments no foreclosure proceedings will accrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Between XXXX and XX/XX/XXXX, I used the USAA app to make XXXX payments. Only XXXX of the payments was successful, made XX/XX/XXXX in the amount of {$300.00}. The other payments not pay-offs were attempted XXXX, XXXX, XXXX on XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX of the unsuccessful pay-in full attempts generated NSF fees XXXX the amount of {$32.00}. The final attempt generated a NSF in the amount of {$14.00} for a total of {$170.00}. 
I contacted USAA and started with Customer Service, then with IT, and back with customer service. This is all logged. 
On XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX XXXX ( XXXX ) to explain the problem and ask them to contact USAA. They would not contact USAA. They also will not cover NSF charges. 
On XX/XX/XXXX, I also contacted USAA, esclated the call to management and was told they do not have a policy to cover such issues. They can't/wo n't pay an outside entitity and can't credit my credit card. 
Since this is a known issue by USAA, but they can't fix and won't notify their clients, I can not be the only person that has complained. Meanwhile, I am out {$170.00} for something I have no control over. 

I will give full authorization for you to request my interactions with XXXX and USAA should that be needed. 

Respectfully, XXXX XXXX ( XXXX ) 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 explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Today is XX/XX/year> and I have been trying to reach a representative for over an hour who does NOT hang up on me. It is XXXX pm eastern time and a rep from overseas answers and when they hear I want stop the balance offers from being sent to my home they either put me on mute or act like they cant hear me. This is my XXXX call and have been on hold for almost a half an hour. XXXX is the last rep who helped me and I told her what I needed and that I was filing a complaint with your previous reps who hung up on me. She claims she did this but I am so skeptical anything was done. I dont want anything mailed to me and promotions. Do not solicit me for anything. XXXX was very nice and only XXXX who helped me after calling 4 times! This is unacceptable.

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 2026-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please assess the documents providedthe inquiries came in without prior notice and could be unapproved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Credit Systems International attempting to recover for XXXX XXXX XXXX XXXX sent an account that was opened XXXX to collections for a past due amount of {$1700.00}. It was sent to collections in XX/XX/year>. I did not open this account and had no prior knowledge of this account until it appeared on my credit report. This is at least the XXXX incident I have had where someone keeps opening accounts with electricity companies and then letting the accounts go into collections affecting my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: TX

Complaint narrative:
I was hacked XXXX  times, and they never fixed it or refunded the money, even though the charges showed they came from across the country or from a different country. Instead, they just issued a new card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am requesting assistance regarding an unresolved wire transfer with Truist Bank. The wire was processed with incorrect business account name information, while the routing and account numbers were correct. The funds were debited, but the transfer failed and the money was not delivered. 

When I requested a refund, the bank repeated the same error and no clear timeline has been provided. I am requesting assistance to recover the funds.

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 2026-01-09 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: Credit Karma, LLC
State: NJ

Complaint narrative:
I was XXXX from the dates of XX/XX/year> until XX/XX/year>. I have proof from the state. My only debit card was on my possession at the time i got arrested, and it was stored in the XXXX XXXX at the county jail along with my other belongings. No one had access to this card for XXXX and a half months, not even me! Therefore i do not understand how beginning on the date of XX/XX/year> through the date of XX/XX/year>, a total of XXXX transactions, XXXX of them being atm withdrawals, all totalling an amount of {$860.00} was withdrawn from my account. Also during this timeframe a total of XXXX transactions was declined by credit Karma. I did not authorize these transactions, and i had no way of authorizing these transactions. Credit Karma is claiming that i authorized these transactions. They did not investigate my dispute. it took them a grand total of XXXX hours to deny my dispute. I need my money back, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: MS

Complaint narrative:
I am writing to formally request the Consumer Financial Protection Bureaus intervention regarding the collection practices of LVNV Resurgent Collection Agency. I believe that LVNV Resurgent has engaged in conduct that is harassing, deceptive, or otherwise in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable consumer protection laws.

Specifically, I am requesting that the CFPB instruct LVNV Resurgent Collection Agency to immediately cease and desist all forms of contact with me, including but not limited to telephone calls, letters, emails, and any other means of communication related to the collection of the alleged debt. 
Details of Complaint Collection Agency : LVNV Resurgent Collection Agency Nature of Complaint : Unwanted and persistent collection activities, which I believe constitute harassment and may violate my rights under the FDCPA.

Requested Action : Immediate cessation of all collection activities and communications regarding the alleged debt.

Summary of Issues LVNV Resurgent Collection Agency has repeatedly contacted me regarding an alleged debt. These communications have been frequent, unwelcome, and have caused significant distress. I have previously requested, both verbally and in writing, that this agency cease all contact with me. Despite these requests, the agency has continued its collection efforts. 
I believe that these actions are not only unwarranted but also violate my consumer rights. As such, I am seeking the CFPBs assistance in ensuring that LVNV Resurgent Collection Agency immediately ceases all collection activities directed toward me.

Requested Relief 1. That LVNV Resurgent Collection Agency immediately cease and desist all communications and collection activities related to the alleged debt.

2. That the CFPB investigates the collection practices of LVNV Resurgent Collection Agency to determine if they are in violation of federal or state consumer protection laws.

3. That I be notified of the outcome of this complaint and any actions taken by the CFPB in response. 
Please find attached any relevant correspondence and supporting documentation for your review. 
Thank you for your attention to this matter. I look forward to your prompt response and the resolution of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX XXXX XXXX. 

I have never entered into any contractual agreement with XXXX XXXX XXXX, nor have I acknowledged or assumed liability for the alleged debt they are attempting to collect and report. 

On XXXX I sent XXXX XXXX XXXX a written Cease and Desist Notice pursuant to 15 U.S.C. 1692c ( c ), instructing them to cease all communication with me regarding this alleged account. 

Despite this written notice, XXXX XXXX XXXX continues collection activity and credit reporting without demonstrating verifiable authority to report or collect this alleged debt in compliance with the Fair Credit Reporting Act. 

I am requesting that XXXX XXXX XXXX comply with federal law, cease all collection activity, and remove any unverifiable credit reporting associated with this alleged 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 2026-01-09 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
In the first week of XXXX, my debit card was charged {$1100.00} to XXXX for a purchase that I did not make. I filed a dispute with my bank regarding this charge. After their investigation, Chase Bank determined that I was liable for the charge, which resulted from the compromise of both my card and email account. Notably, the item was not shipped to my address ; it was sent to an out-of-state location.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am a Texas consumer submitting this letter as a formal complaint and cease-and-desist request regarding the collection practices of Midland Credit Management , Inc . I believe this company has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. ; the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 168XXXX et seq. ; and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


Midland Credit Management , Inc. has engaged in unlawful collection and reporting activity, including but not limited to : Attempting to collect a debt without providing proper validation, in violation of 15 U.S.C. 1692g and XXXX XXXX XXXX XXXX Using deceptive, misleading, or unfair collection practices, in violation of 15 U.S.C. 1692e, 1692f, and XXXX XXXX XXXX XXXX and XXXX Reporting or continuing to report inaccurate, incomplete, or unverified information to consumer reporting agencies, in violation of 15 U.S.C. 1681s-2 ( a ) and ( b ) Failing to correct or delete disputed information after notice, in violation of XXXX XXXX XXXX XXXX ( d ) Pursuant to my rights under federal and XXXX law , I hereby demand that Midland Credit Management , Inc. immediately cease and desist from all collection activity, including but not limited to telephone calls, written correspondence, credit reporting, and third-party communications, unless and until they can fully demonstrate lawful authority, ownership, and accuracy of the alleged obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXXXXXX XXXX XXXX collection agency for XXXX I have no knowledge of this account this debt is NOT MINE.

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 2026-01-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am filing a complaint against National Credit Systems for reporting and attempting to collect an invalid debt arising from a residential lease that was materially breached due to severe habitability violations. 

The alleged debt originates from XXXX XXXX XXXX, where the unit was left without hot water, gas, and heat for months. These conditions rendered the apartment uninhabitable and constituted a breach of the implied warranty of habitability and constructive eviction. The situation was severe enough that it was publicly reported in the news. 

Despite this, National Credit Systems is reporting a balance of {$2500.00} as a valid collection account. When I disputed the account, the furnisher merely verified the debt without addressing the underlying habitability violations or providing proof that the unit was legally habitable during the billing period. 

This constitutes : Reporting inaccurate and incomplete information Failure to reasonably investigate a disputed debt Attempting to collect on a debt that is legally unenforceable I have formally requested full debt validation, including proof of habitability and authority to collect. I am requesting that this account be removed from all credit reporting agencies due to its invalid nature.

I am asking the CFPB to require National Credit Systems to : 1. Cease collection activity 2. Remove the account from all credit bureaus XXXX. Provide written confirmation of deletion

Company response to consumer: Closed with explanation