vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OR

Complaint narrative:
I was contacted by Credit Collection Services , Inc. regarding an alleged debt purportedly owed to XXXX XXXX XXXX. 

The collection activity is improper, disputed, and non-compliant for the following reasons : Improper Initial Communication by Text Message Credit Collection Services initiated collection activity by text message, rather than by a proper written validation notice. A text message does not satisfy the written notice requirements of 15 U.S.C. 1692g ( a ), which requires a debt collector to provide a written notice containing specific disclosures either as the initial communication or within five ( 5 ) days thereafter.

I did not consent to receive collection communications by text message. This method of contact was unauthorized and improper.

Failure to Provide Proper Written Validation Notice To date, Credit Collection Services has failed to provide a compliant written validation notice that establishes : The amount of the alleged debt The legal basis for liability My rights to dispute and request validation Their authority to collect Collection activity commenced without first satisfying the statutory notice requirements.

Incorrect Legal Identity Used Credit Collection Services addressed this alleged debt using an incorrect and truncated name that is not my legal name. 
My correct legal name is XXXX XXXX XXXX XXXX XXXX. 

Attempting to collect under an incorrect legal identity constitutes inaccurate and misleading information and raises serious concerns under 15 U.S.C. 1681e ( b ) ( failure to maintain reasonable procedures to assure maximum possible accuracy ) and 15 U.S.C. 1692e ( false or misleading representations ). 

Debt Formally Disputed No Validation Provided I have formally disputed this alleged debt and demanded strict validation. Despite this dispute, Credit Collection Services has not produced competent evidence establishing : My legal obligation under my correct identity A valid contractual or policy basis for the alleged balance Their authority to collect Continued Collection Activity After Dispute Credit Collection Services has continued collection activity without first providing validation, contrary to 15 U.S.C. 1692g ( b ).

Risk of Improper Credit Reporting or Transfer I am concerned that Credit Collection Services may attempt to report this disputed and inaccurate account to consumer reporting agencies or sell, assign, or transfer the alleged debt to another collector, despite the unresolved dispute and identity defects. 

Because of these issues, I have filed complaints with both the Consumer Financial Protection Bureau ( CFPB ) and the Department of Justice ( DOJ ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
Subject : Unauthorized Transaction, Account Takeover, and Regulation XXXX Violation On XX/XX/year>, at approximately XXXXXXXX XXXX, I received a Cash App password reset code on my phone that I did not request. I was asleep at the time and did not initiate any password change or login activity. Immediately after this unauthorized password reset, {$2500.00} was transferred from my XXXX checking account to Cash App and then cashed out to another person. This transaction was not authorized by me and occurred as part of an account takeover. I discovered the unauthorized transaction on XX/XX/year> and reported it promptly to both XXXXXXXX XXXX and Cash App. Despite this, Cash App closed my account without providing documentation of any investigation or reimbursing the stolen funds. XXXXXXXX XXXX later denied my fraud claim without clearly notifying me and stated that they would only reconsider the claim if Cash App confirmed the transaction was unauthorized. XXXX has not provided evidence that I authorized the transaction, nor have they provided device information, IP address data, or login records showing that the transaction originated from my device. Refusing to conduct an independent investigation and relying solely on Cash Apps determination is not a proper investigation under Regulation E. Additionally, I was not provided timely or meaningful written notice explaining the denial of my claim or the basis for the decision. I only discovered the denial by checking my XXXX account and calling customer service. Based on the facts, this was clearly an unauthorized electronic funds transfer resulting from an account takeover. I reported the incident within XXXX hours, which limits my liability under Regulation E. I am requesting the following : A full Regulation E reinvestigation of this unauthorized transaction. Provisional credit and reimbursement of the {$2500.00} stolen from my account. Written documentation of the evidence relied upon to deny my claim. Device ID, IP address, login history, and password reset records related to this incident. An explanation for why I was not properly notified of the denial of my fraud claim. I am submitting this complaint to the Consumer Financial Protection Bureau and requesting regulatory review of how this matter was handled by both XXXXXXXX XXXX and Cash App

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
based on checking my credit report i noticed that my personal information was exposed as i don't recognize multiples collections charges and debts. 
attached are the creditor 's information that i contacted to get the matter resolved and nothing was done. I am requesting this information to be removed immediately from my credit report as it is not accurate. 

SYNCB/PPC P.O XXXX XXXX XXXX XXXX, TX XXXX XXXX {$2700.00} 80 % of Credit Limit Last Reported XXXX, XXXX Account Designator Individual account for sole use of consumer Industry Banks Loan Type Credit Card Credit Limit {$3500.00} Loan Term Revolving Payment Amount - Highest Balance {$3900.00} Status Charged o as bad debt Past Due {$2700.00} Remarks Profit and loss writeo Notes Automated Account Account closed normally XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXX {$10000.00} 110 % of Credit Limit Last Reported XXXX, XXXX Account Designator Individual account for sole use of consumer Industry Banks XXXX XXXX Credit Card XXXX XXXX {$9800.00} Loan Term Revolving Payment Amount - Highest Balance {$11000.00} Status Charged o as bad debt Past Due {$10000.00} Remarks Profit and loss writeo Notes Automated Account Account closed normally XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX ) XXXX {$13000.00} N/A of Credit Limit Last Reported XXXX, XXXX Account Designator Individual account for sole use of consumer Industry Credit Union and XXXX XXXX XXXX Personal Companies Loan Type Automobile Credit Limit XXXX XXXX XXXX XXXX 072 Monthly Payment Amount - Highest Balance {$54000.00} Status Charged o as bad debt Past Due {$13000.00} Remarks Profit and loss writeo Notes Automated Account Account closed normally XX/XX/XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX XXXX United States. 

XXXX {$3200.00} 117 % of Credit Limit Last Reported XXXX, XXXX Account Designator Individual account for sole use of consumer Industry Banks Loan Type Credit Card Credit Limit {$2800.00} Loan Term Revolving Payment Amount - Highest Balance {$3400.00} Status Charged o as bad debt Past Due {$3200.00} Remarks Account closed by credit grantor Notes Automated Account Account closed normally XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX ( XXXX ) XXXX Balance : {$1800.00} Original Balance : {$1800.00} Account Designator Individual account for sole use of consumer Industry Collection services Credit Grantor SYNCHRONY BANK Loan Type/Term Open Past Due 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 2026-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/year>, I received a message from XXXX stating " XXXX XXXX XXXX XXXX Did you attempt with CASH APP # XXXXXXXX  Reply 1/YES or 2/NO. Reply STOP to opt-out. '' I was having a lot of fraud and people getting into my accounts a few months before, so I answered no. They then sent a message saying " Thank you for responding, A representative will be reaching out to you immediately. '' I received a call and they were saying that someone tried to take {$4000.00} dollars through cash app. I said that I didn't approve that and they told me that I needed to follow some steps. The man sounded very professional and told me to follow along step-by-step. He told me to first send {$560.00}, then {$630.00}, {$610.00}, {$700.00}, {$600.00}, and {$700.00}. He said that it was protocol. Once that was done, he said that someone would give me a call tomorrow to get the money back. I said sure thing and waited for their call. After I hung up, I got a message saying " Is XXXX XXXX  the best time to contact you tomorrow morning confirm yes '', I then said yes. I waited til the next morning and didn't hear anything back. Once I didn't receive a call, I called the SECU to see if they knew when I was getting my money back. The lady on the phone stated that XXXX doesn't do things like that, and that I need to make a police report. I spoke to XXXX XXXX and she stated that fraud and scamming have been getting really bad, she asked for the information and gave me a report number ( XXXX ). The next day I went in-person to my bank to dispute the charges and told them what happened. They told me to wait 10 business days to wait for a response. They denied my claim and said they wouldn't give the money back. I then tried cashapp, I sent them all the information and they denied me as well. When I tried to get the information about the claim, they told me that I needed to answer some questions. I did that, and they still wouldn't send the information about the claim and why it was denied. I even tried talking to a supervisor and that didn't help. This is the response that was given " Hello XXXX, My name is XXXX and I am a Manager with Cash App Support, thank you for your patience while I reviewed your case to ensure accurate and correct information was provided by our team. 

Thank you for reaching out. I understand how frustrating this might be. 

I do see you have had plenty of cases that have explained the reason why your claim was denied. I do wish there was a better outcome for you. 

We compared the transaction you brought to our attention with your account history. Based on the information you provided, our investigation led us to determine that this transaction ( s ) was authorized by you or someone you authorized to use your credentials, and no error occurred. As a result, your claim has been denied and closed. '' I explained that I was scammed, but it didn't help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
Will the loan have interest added when I am released from my job due to funding again? 
Also, how are some garnishment are paid directly to Tower Loan and some are paid to a 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 2026-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
There have been numerous issues and times of transactions and over charges etc over many years

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I filed XXXX XXXX bankruptcy in XX/XX/year> and received a discharge in XX/XX/year>. My HELOC with XXXX XXXX XXXX XXXX was included in the bankruptcy. 

Before my bankruptcy filing and discharge, XXXX XXXX XXXX XXXX restricted my access to my account, denied me online access, and failed to provide requested account statements and payment history. This prevented me from verifying balances, loan status, and what information they were reporting to the credit bureaus. 

XXXX has continued to report inaccurate and misleading information related to this HELOC to all three credit bureaus, including incorrect balances and account status following discharge. 

In addition, XXXX and its agents engaged in aggressive and intimidating collection-related activity connected to this debt. This included contacting third parties, appearing in my neighborhood, conducting surveillance-related activity, and pursuing foreclosure actions despite the circumstances surrounding my bankruptcy and ongoing disputes.

These actions caused significant stress and fear and appear designed to pressure me regarding discharged or disputed obligation. 

I attempted to obtain information and resolve the matter, but I was not provided with complete documentation or clarity regarding the account.

This has caused ongoing harm to my credit profile and financial stability. I believe the company has failed to properly update and report the account following my bankruptcy discharge and has not been transparent in responding to my requests for account documentation and verification. 

I am requesting that XXXX XXXX XXXX XXXX XXXX all inaccurate credit reporting related to this HELOC, provide full account documentation, and ensure the account is reported in compliance with bankruptcy discharge requirements. 

In addition, XXXX XXXX XXXX XXXX and its agents engaged in aggressive and intimidating collection-related activity collected to this HELOC, including visiting my neighbor, placing door tags at family friends houses, contacting third parties, and pursuing foreclosure action despite ongoing disputes and the circumstances surrounding my bankruptcy discharge. These actions have caused significant emotional distress and financial harm. 

I am requesting that XXXX XXXX XXXX XXXX : - Correct all inaccurate credit reporting related to the HELOC - Provide full account documentation and history - Ensure the account is reported in compliance with bankruptcy discharge requirements- Cease any intimidating or improper collection-related activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding a closed loan account that continues to be reported inaccurately on my consumer credit report. 

While I acknowledge that this account was opened by me, the manner in which it is currently being reported is inaccurate, incomplete, and/or misleading and does not meet the Fair Credit Reporting Acts requirement for maximum possible accuracy under 15 U.S.C. 1681.

Specifically, this closed account reflects negative information that does not accurately represent the accounts final status, reporting dates, and/or payment history. Additionally, the continued reporting of this account in its current form is causing ongoing harm and does not reflect a complete or properly verified account history.

I am requesting that the credit reporting agency conduct a full reinvestigation and require the furnisher to provide complete documentation verifying the accuracy of all reported data fields, including : Date of first delinquency Reporting status after closure Balance accuracy and charge-off details ( if applicable ) Payment history consistency across bureaus If the furnisher is unable to fully verify the accuracy of the account as reported, I am requesting that this account be corrected or permanently deleted from my credit report in accordance with the Fair Credit Reporting Act. 

Please provide written confirmation of the outcome of this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: AL

Complaint narrative:
I wrote to the company that this account was fraudulent. Before the company XXXX XXXX XXXX bought this account from World Finance. I had tried to resolve this matter directly with World Finance, to no avail. I have done XXXX FTC reports, and XXXX Identity Theft report. XXXX XXXX XXXXXXXX FTC Report - XXXXXXXX XXXX XXXX XXXXXXXX FTC Report - XXXXXXXX XXXX XXXX XXXXXXXX Identity Theft report XXXX. Under FCRA 1681s2 ( b ), it is the furnishers responsibility to conduct a reasonable investigation using this report. I am not required to provide the full report ; they may obtain it themselves using the reference number provided. If they want to find the report, that is what their correspondence team is for. They also stated they sent out correspondence about the debt they claimed was mine. I never had affiliation with the address they have on file, nor does the account belong to me. If this account continues to appear on my credit report, the furnisher may be in violation of FCRA 1681c2 ( a ) ( blocking of fraudulent information ), 1681s2 ( b ) ( duty to investigate ), and 1681e ( b ) ( maintaining accurate reporting ). There also has been a data breach letter sent to me on XX/XX/year>, which is filed with the credit bureau. 

I expressly reserve all rights to pursue this matter beyond the CFPB portal, including any and all legal remedies available to me under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and any other applicable federal or state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
I am filing this complaint regarding unauthorized debit card transactions on my Chime account for XXXX were improperly I reported fraud after 11 transactions occurred starting from XXXX in the morning I reported my card as compromised immediately after noticing unauthorized charges. I do not use my card in the manner or frequency in which these transactions occurred. After reporting the fraud, I froze and shut off the card. Despite this, there have been continued attempted transactions, which I have documented and submitted to Chime. These continued attempts after cancellation clearly demonstrate unauthorized use.

Chime has repeatedly declined my dispute without providing a sufficient explanation or evidence of a proper investigation, as required under Regulation E. I have provided all
documentation available that I had which was screenshots of attempted charges after the card was shut off different dates and times after card was cut off I am requesting that Chime conduct a full and fair investigation, provide written justification for the denial, and credit my account for the unauthorized transactions. I believe Chime failed to meet its obligations under federal consumer protection laws regarding electronic fund transfers. 
TheseI am requesting CFPB assistance to ensure Chime complies with Regulation E and resolves this matter appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One restricted my credit card account and demanded an undisclosed verification procedure despite extensive prior successful payment history from the same verified bank account.

I have held a Capital One credit card account for almost three years. During that time, I have made approximately 75 successful payments from the same bank account with no returned payments, no NSF activity, and no missed payments. The bank account has previously been verified by Capital One. 

On XX/XX/year>, I initiated a payment for my current balance through the Capital One mobile app. Unlike prior payments, my available credit was not restored immediately. Because this differed from established behavior, I canceled the payment shortly afterward. 

Capital One immediately locked my account for suspicious or fraudulent activity and informed me that the only way to restore access was to participate in a three-way phone call with my bank to verify ownership of the same bank account that has already been used successfully dozens of times. They offered to do it at that time to which I said wasnt possible because its Sunday. They insisted on calling and they did, unsuccessfully because its Sunday and my Credit Union is not open on Sunday. They also alluded to fraud triggers being engaged because of making multiple payments throughout the month. For example, last month I made payments in excess of {$1200.00} inside of the billing statement. The credit limit is {$300.00} and they have denied more than 5 times over the years to increase it, instead I was able to run it up to {$300.00}, pay it off, credit restored, spend, repeat.

This verification requirement is not disclosed in the cardholder agreement, nor is there any explanation as to why extensive prior payment history from the same account is insufficient to verify ownership. Even after calling to verify my name, ssn, cc number, they still would not unlock my account, Capital One representatives confirmed that no alternative verification method would be accepted.

I am concerned about the lack of transparency, the arbitrary restriction of my account, and the requirement to complete an undisclosed and burdensome procedure in order to access credit on an account that is otherwise in good standing.

Thanks.

Company response to consumer: Closed with explanation