vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX, XXXX allegedly sold debt too XXXX XXXX XXXX XXXXXXXX XXXX XXXX has been unable to prove any ownership of said debt XXXX XXXX XXXX took me to court and still was unable to prove ownership of this debt. The case was dismissed before I was taking to court. I requested several times that XXXX XXXX XXXX prove I owe this step to them. There was never any documentation sent to me that I owe this debt yet it was always verified all three credit bureaus claimed they verified this debt

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 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On Friday XX/XX/year> at XXXX p.m. Resurgent Capital Services sent a debt collection email to a family member. In the email it shared the last four numbers of the account number, the creditor, the balance and other information with links to view account information and contact information for Resurgent Capital Servies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Complaint Against Bank of America Inaccurate Fraud Reporting and Inability to Resolve I am filing this complaint regarding inaccurate and damaging information reported by Bank of America XXXX XXXX XXXX XXXX. Bank of America reported my account as Checking Account Fraud to XXXX XXXX XXXX. I formally disputed this information with XXXX XXXX XXXX ; however, they responded that the information was verified by Bank of America and was not removed. I am disputing this reporting because I did not control, manage, or use this account. Although I was assisted with opening the account, I did not have access to it I later on lost the information so I didnt even get the chance to use it, did not participate in any transactions, and did not engage in any activity associated with the account. I dispute that I personally engaged in any fraudulent activity. Additionally, the account reflects no financial loss, no unpaid balance, and no damages. Despite this, it has been classified as fraud, which is now preventing me from opening a bank account. I attempted to resolve this issue directly with Bank of America. During my call, I was told that I needed to verify my identity ; however, the representative stated they could not verify me because the account no longer had sufficient information available. I was then instructed to visit a branch. I went to a Bank of America branch twice and was told that they could not assist with verification and that this must be completed over the phone. When I called again, I was still unable to be verified and was not provided any alternative method. As a result, I have been placed in a situation where I am unable to verify my identity, unable to access information about the account, and unable to properly dispute the fraud designation. I am requesting that Bank of America : 1. Provide documentation demonstrating that I personally engaged in fraudulent activity. 2. Explain the specific basis for classifying this account as fraud. 3. Conduct a full reinvestigation of this matter. 4. Correct or remove the inaccurate information reported to Early Warning Services if it can not be verified. This reporting is causing ongoing harm, as I am currently unable to open a bank account due to this record. I am requesting a prompt and thorough investigation and resolution. Sincerely, 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 2026-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: EdFinancial Services
State: PA

Complaint narrative:
I am submitting a complaint regarding the servicing of my federal student loans. My loans entered repayment in XX/XX/XXXX after graduating in XX/XX/XXXX. Since that time, my account has gone through repeated cycles of repayment and forbearance, including multiple forbearance periods in XXXX and XXXX. During these periods, interest continued to accrue and was capitalized. As a result, despite several years since entering repayment, my loan balances remain at or near their original principal amounts. As of XX/XX/XXXX, my total balance with this servicer is approximately {$150000.00}, including over {$9900.00} in interest. For example, individual loans disbursed between XXXX and XXXX, including amounts of approximately {$20000.00} and {$42000.00}, still reflect full principal balances with minimal reduction despite being in repayment status at various times. I made payments under an income-driven repayment plan beginning in XXXX, with payments applied in XX/XX/XXXX. However, cumulative payments across several loans remain extremely low relative to total balances, indicating that prior servicing and repayment structuring did not allow for meaningful progress. I was not adequately guided into sustainable repayment options early in repayment and was instead placed into repeated forbearance periods, which increased my balance through interest accrual and capitalization. I am requesting : A full audit of my account and servicing history A detailed review of all interest capitalization events Evaluation of whether appropriate repayment guidance was provided at key points ( including XXXX ) Consideration of relief for financial harm caused by servicing practices The current repayment trajectory extends into approximately XXXX with limited principal reduction, creating a long-term financial burden that I believe was worsened by the handling of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
They are sending me threatening emails. I have attached here.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I have audio recordings of me speaking with the representative about the letter that was sent to my house and she discovered that the person in question wasn't me and I asked him to cease and desist our Communications and do not put that on my report but months later I received another letter from the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I have Cashapp. I have been trying to access and withdraw funds from this account since XX/XX/year> and has not been successful. I reached out to them on several occasions but has gotten no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
I am filing this complaint regarding unauthorized electronic debit attempts from my bank account after I explicitly revoked authorization. I contacted Acima through their official support chat and clearly revoked authorization for all XXXX debits, including any transactions they refer to as payment retries. Despite this, Acima representatives stated that their system continues to generate payment retries when an account is past due and that these transactions can not be deactivated, even by an agent. In a contradictory statement, they also indicated that these retries would stop if I made a payment, demonstrating that the system behavior is in fact controllable. When I cited my rights under the Electronic Fund Transfer Act ( EFTA ) and Regulation E and requested written confirmation that all debit activity had been XXXX, they refused to provide confirmation and instead repeatedly referenced contract language. The agreement they provided also confirms that authorization for electronic fund transfers may be terminated by the consumer, which I have already done. Ultimately, they refused to escalate the matter in writing and instructed me to call instead, avoiding documented resolution. I am requesting : Confirmation that all XXXX debit activity has been permanently XXXX XXXX into Acimas practice of continuing or attempting debits after authorization is revoked XXXX that no further unauthorized transactions will occur

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
On XX/XX/year> I was charged {$480.00} by XXXX XXXX XXXX XXXX XXXX ( merchant : XXXX XXXX XXXX XXXX XXXX ) for a mentorship program. I was required to pay on a XXXX XXXX sales call before the call ended and before I had reviewed any contract terms. After the call ended I was sent the actual coaching service agreement via XXXX XXXX and separately via email. After reviewing the terms I decided not to sign and immediately withdrew in writing via XXXX at XXXXXXXX XXXX on XX/XX/year>, explicitly revoking authorization for any future charges. I also sent written cancellation via XXXX the same day. The merchant responded via text acknowledging my cancellation but stated the charge would process automatically regardless. A second representative contacted me from a different number the following day continuing pressure after my explicit withdrawal. No services were ever delivered. I was in the XXXX server for under XXXX minutes before withdrawing. I disputed the XX/XX/year> charge of {$480.00} with Capital One twice. Both times Capital One ruled against me. On XX/XX/year> I submitted a detailed dispute letter and XXXX exhibits including the unsigned XXXX XXXX coaching agreement, Discord withdrawal message, XXXX withdrawal messages, and voicemail from secondary representative. Capital One responded on XX/XX/year> stating my submission lacked required information and closed the case without explanation despite clear documentary evidence. I am requesting CFPB intervention to reopen this dispute and reverse the unauthorized charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Global Lending Services LLC
State: NC

Complaint narrative:
My auto was involved in a not at fault collision ... Insurance company paid toward the loan. I purchased a warranty and gap coverage when i purchased the auto... I never submitted a request to have either cancelled but the warranty and gap were both cancelled without my knowledge. I have tried to explain to XXXX XXXX XXXX that the XXXX coverage was cancelled by someone there when they cancelled the warranty no one understands me when i try to tell them that it was cancelled by them and should have not been cancelled by them. I now have an auto charge off on my credit due to this company dropping the ball and cancelling a product that I purchased to protect my self in a situation like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My debit card has fraud charges from XX/XX/XXXX - XX/XX/XXXX. I discovered this on XX/XX/XXXX. I reported this to Truist on XX/XX/XXXX. I have provided all requested documents. I was refunded for XXXX transactions in the amount of {$110.00} on XX/XX/XXXX. The fraud department with Truist is now denying the remaining transactions for not being within the 60 day report which is untrue. The balance owed to me from the fraud charges is {$3300.00} These charges are fraud and I did file the claim within days of the charges.

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 2026-04-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: GA

Complaint narrative:
On XX/XX/XXXX I moved out of the XXXX XXXX at XXXX XXXX. I turned in my notice on XXXX and turned in the keys on XX/XX/XXXX. Apparently, no one at the complex officially moved me out of the apartment. When I went to pay my last rent owed, I notified the XXXX, the then owner, of my moving out. They corrected it and I paid the {$360.00} owed. Then, in XX/XX/XXXX I received an eviction notice from the new owners, XXXXXXXX XXXX XXXX stating I owe them over {$10000.00} and was about to be evicted. I immediately contacted XXXX and they worked with me to clear up the matter and showed I gave my notice and paid my final rent. XXXX provided me paperwork showing I owed nothing. Their document showed the matter was cleared on XX/XX/XXXX. On XX/XX/XXXX XXXXXXXX XXXX XXXX still sent the account to collections and I am being harassed by a collection agency and they will not correct it and clear up my credit. The XXXXXXXX XXXX XXXX XXXX XXXX will not respond to my calls or emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The bank told me they wanted to end the relationship with me and my accounts would be closed. However my social security check was deposited into the account and they are holding the funds from me. It's my only source of income. They said someone would be calling me back on the XX/XX/year> no call back and I still can't touch my money. I have no funds to pay bills and nobody returns my calls

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I got injured on my job and had surgery after 5 months of opened the XXXX XXXX XXXX. I was out of work for over XXXX years and could not afford the payment at the time. I called several times to XXXX XXXX for a suitable payment, but I got turned away each time, it got to a point to where I could no longer afford the payment due to my condition and rising cost of daily needs, so the card closed and the debt was sold to a Debt Collection Agency. Midland Credit Management which i will face in court XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OR

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am a loyal Cash App customer since XXXX. On XX/XX/XXXX, an unauthorized {$20.00} transaction was sent from my phone to an account ( XXXX XXXX ) by another person without my consent. I immediately disputed this, but Cash App denied it solely because the " device was in my possession, '' which is a failure to properly investigate unauthorized access. I appealed, and on XX/XX/XXXX, a manager named XXXX ( XXXX # XXXX ) emailed me stating they would not override the decision. It is deeply concerning that a billion-dollar company like Block, Inc. refuses to correct a minor {$20.00} error for a long-term customer. The funds were sent to an account the recipient cant even access, yet Cash App is keeping the money. As a cashapp user for 6 years, I no longer feel safe or comfortable using a service that does not protect its customers or conduct meaningful investigations of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
I have been askin for debt validation and the chain of assignment agreement. I have failed to receive. There is no acct number or payment history available. This company have fail to provide and I ask that it be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I received a loan from XXXX XXXX XXXX and paid over {$4.00}, XXXX they sold my information to LVNV for over XXXX dollars I had people coming to my home constantly and I received a letter in the mail that my taxes were being garnishment without my knowledge and this is the second time they have done this through another company saying that I owe them money I signed nothing any debt that I owed was paid in full in XXXX. Any other are not mind and doesn't belong to me. They have extorted and stolen from me thousands of dollars I want this removed from my credit report I did not borrow any money from this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliphant United, Inc.
State: MO

Complaint narrative:
I am XXXX XXXX XXXX and being financially exploitable and harassed by Oliphsnt Their latest scheme an illegal a double reporting on my previously perfect credit report Not only they report {$12000.00} under their name but they went under the name of second made up name to report the same {$12000.00} According to an attorney this double reporting is illegal and also falls under the category of financial exploitation of an elderly person. They wanted to stress me so much that I would break and pay them what is not owed They also agreed to remove the tradeline from my credit report but it was not removed. The only wanted to cause me more stress The tradeline from Oliphant is still there on my XXXX report

Company response to consumer: Closed with explanation