vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
To Whom It May Concern, I am writing in response to the account referenced above that you are reporting and/or attempting to collect. This letter is a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

I dispute this debt and request that you provide proper validation, including but not limited to : The amount of the alleged debt, including a breakdown of fees, interest, and charges The name and address of the original creditor Documentation bearing my signature showing I agreed to the debt Proof that you have the legal right to collect this debt The date of default and the date the account was acquired Proof that the debt has not exceeded the statute of limitations Until such validation is provided, you must cease all collection activity, including reporting or updating this account with any credit reporting agency. 

If you are unable to provide the requested validation, please delete this account from all credit reporting agencies to which you have reported it. 

This letter is not a refusal to pay, but a request for validation only. I do not acknowledge responsibility for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I am filing this complaint against American Express ( Amex ) regarding a failed disbursement of a {$25000.00} personal loan ( Account ending in XXXX ) and the subsequent erroneous closure of my account. 

XXXX. Failure to Provide Factual Information During Proactive Inquiries : Leading up to the disbursement, I proactively contacted American Express numerous times to verify that my banking information was correct and to inquire why the funds had not yet arrived. During every call, representatives failed to identify any issues and repeatedly instructed me to " wait it out, '' assuring me the funds were on the way. 

XXXX. Contradictory Instructions and Erroneous Closure : On XX/XX/year>, I received an official email from American Express stating they were unable to identify a valid bank account for a " payment '' of {$25000.00} on XX/XX/year>. This email explicitly instructed me to go to americanexpress.com/pbc to update my banking information to continue with the loan. However, when I attempted to follow these instructions the very next morning, I discovered the loan account had already been cancelled and marked as " Paid in Full. '' XXXX. Systematic Reconciliation Error : It appears that when my bank returned the {$25000.00} disbursement due to an ACH error, the Amex automated system incorrectly flagged this return as a " voluntary payment '' rather than a " failed disbursement. '' This triggered an automatic satisfaction of the loan and a permanent closure of the account, effectively blocking me from the funds I contractually signed for. 

XXXX. Supervisory Negligence and Evidence Obstruction : On XX/XX/year>, I spoke with a supervisor named XXXX. He admitted the system showed the returned funds but claimed there was " nothing he could do '' to fix the error. He refused to provide a last name or a case number. Furthermore, XXXX followed my suggestion to remove the closed account from my online dashboard without advising me that this would strip away my access to the original loan documents and the digital record of the " Paid in Full '' status. This has resulted in the total obstruction of my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: AL

Complaint narrative:
HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Dave Operating, LLC
State: CA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, a debit card account was used for unauthorized XXXX  cryptocurrency transactions totaling {$530.00}. 
The transactions were disputed promptly after discovery. On XX/XX/XXXX, the company denied the dispute, stating that account login activity and the presence of a virtual card on a mobile device indicated authorization. 
No merchant authorization documentation was provided. The company did not supply transaction authentication records, IP address data, device fingerprinting, or other evidence demonstrating customer approval of the charges. 
A request for reconsideration and supporting documentation was made, but the company maintained its denial without providing the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2025, I noticed my phone was blocked and would not work properly. I was able to check my bank information and noticed a withdrawal from by debit card, that I did not make or authorize, of {$18000.00}. I called my bank immedietly ( Bank of America ). 2 weeks later I got a response and they told me that they would not be able to help me because I had supposedly authorized it. They told me the withdrawal was done in XXXX ( XXXX XXXX ). I made a new complaint explaining to them that I did not authorize it. They said they will do an investigation on XX/XX/XXXX and are waiting for a response from the merchant. I still have not gotten any update. I have been patiently waiting since XX/XX/XXXX to get this issue resolved.

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
Consumer complaint received 2026-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
Company : Block, Inc. ( Cash App ) Product : Cryptocurrency / Bitcoin wallet Issue Summary : Cash App executed a Bitcoin transaction labeled as a Bitcoin redirect that I did not initiate, authorize, or receive. The transaction was confirmed on the Bitcoin blockchain but never reconciled to my account. Cash App has acknowledged the transaction occurred but refuses reconciliation while providing contradictory explanations. 

Detailed Complaint : On XXXX XXXX XXXX at approximately XXXXXXXX XXXX  XXXX, my Cash App activity log recorded a Bitcoin redirect for XXXX XXXX, valued at {$9400.00} at the time. 

Cash App has confirmed that this transaction left its network at approximately XXXXXXXX XXXX  XXXX and was broadcast and confirmed on the Bitcoin blockchain. 

The transaction hash ( TXID ) is XXXX, and the destination address is XXXX. 

I did not initiate or authorize this withdrawal, did not designate the destination address, and do not control the receiving wallet. 

Despite the transaction being confirmed on-chain, the Bitcoin was never credited to my Cash App account and does not appear on my official Cash App statements. 

When I contacted Cash App support, they acknowledged the transaction but denied responsibility, stated the address is not associated with Cash App, and refused to reconcile or refund the Bitcoin. 

Cash Apps responses are internally contradictory : they confirm the transaction left their network while asserting it was not initiated by Cash App and that withdrawals can only be initiated by the account holder. 

I am requesting regulatory review of Cash Apps handling of this custodial Bitcoin transaction, their recordkeeping practices, and their refusal to reconcile missing customer assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
This company keeps calling on behalf of Acima and wont provide name nor direct information to me on who we are gon na settle payment arrangements. They keep harassing me day by day no matter the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
Subject : Formal Dispute Loan Previously Forgiven, Paid in Full, and Closed To Whom It May Concern, I am writing to formally dispute the claim that I owe a balance on the above referenced federal student loan account. 

This loan was approved for federal loan forgiveness, after which I received a refund. I have written documentation from my loan servicers confirming that the account was paid in full and officially closed. I relied on these written confirmations as final agency action. 

Now, more than two years later, I am being informed that the balance has been reinstated. I did not commit fraud, misrepresentation, or error in this matter. Any error that occurred was administrative and outside of my control. 

I am requesting the following : 1. A full written explanation of why this previously closed and paid-in-full account has been reopened 2. Documentation supporting the authority to reinstate this debt 3. Immediate suspension of collection activity while this dispute is under review Under principles of administrative finality and detrimental reliance, I dispute responsibility for any alleged balance and request that this matter be resolved accordingly. 

Please consider this a formal written dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
We paid off our credit card on or around XX/XX/XXXX. and turned off Auto payment. There was no disclosure stating that it take 60 days to turn off auto payment. This is misleading and problematic for customers. On XX/XX/XXXX Bank of America withdrew {$110.00} from my account for payment on a card with a XXXX balance. This payment was not approved or authorized. When we attempted to call customer service they insisted it was only a billing error and that they would submit a request for a refund but it may take up to 10 days and in their disclosure said it could be denied. This was money they stole from us and are currently still holding. They are holding the funds up to 10 days interest free with no penalty. I spoke to several supervisors who had no authority to do anything. On XX/XX/XXXX I was lied to and told a manager would call back to discuss in 30 mins or less, that never happened. XX/XX/XXXX spent over an hour on the phone again only to get supervisors hiding behind policies they would make up as they go. Then tried to tell me as an authorized user I'm not allowed to talk about the issue, yet the day before that wasn't even brought up. It boils down to they took the payment that was not authorized and have yet to return it. I asked if they could do a courtesy credit since they screwed up and they got an interest free loan with my money for up to 10 days and they refused. I asked for a simply apology letter from XXXX a Senior billing supervisor and she refused. I asked it be escalated and she refused. She said I would need to submit feedback on the website or app with no guarantee of a response.

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
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLLECTION is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTIONis a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXXXXXX SERVED XXXX XXXX  WITH A WRIT OF GARNISHMENT TO COMPLETE A BANK LEVY. I REACHED OUT TO XXXX XXXX  XXXX ON XX/XX/XXXX AFTER TALKING TO THE BANK. I EXPLAINED THE HARDSHIP THEY PUT ME IN. I HAD PAID MY CAR PAYMENT THAT MORNING ALONG WITH A COUPLE OTHER BILLS AND I HAD WROTE A CHECK MONDAY THAT WEEK FOR MY PEST CONTROL. ALL OF THOSE PAYMENTS WILL BOUNCE BECAUSE THEY TOOK ALL THE MONEY OUT OF BOTH OF MY ACCOUNTS. THEY DID NOT FOLLOW ARIZONA LAW BY LEAVING XXXX IN EACH ACCOUNT. I WAS TOLD A MANAGER WOULD CALL ME BACK TO POSSIBLY RELEASE THE FUNDS AS THE HARDSHIP I WAS PUT IN. I DID NOT RECEIVE A CALL BACK BY MID AFTERNOON ON XX/XX/XXXX SO I CALLED BACK IN AS IM TRYING TO GET THIS RESOLVED RIGHT AWAY. I SPOKE WITH A MANAGER THAT ADVISED ME THEY WILL NOT RELEASE THE FUNDS EVEN THOUGH THEY PUT ME IN A HARDSHIP. SHE KEPT TELLING ME SHE CANT GIVE ME LEGAL ADVICE AND I WASNT NECESSARILY ASKING FOR LEGAL ADVICE BECAUSE I WAS I SPOKE TO LAWYERS PRIOR TO TALKING TO MANAGER. THE MANAGER ALSO LET IT SLIP THAT THEY WERE SENDING DOCUMENTS TO AN ADDRESS ON XXXX XXXX BUT REFUSED TO PROVIDE ME THE ADDRESS. I HAVE NO ASSOCIATION TO THAT ADDRESS AT ALL AND NEVER HAVE. I ASKED A LUMP SETTLEMENT AND SHE DENIED. THEY ARE USING DECEPTIVE PRACTICES AND NOT ADHERRING TO FDCPA BY SENDING MAIL TO AN ADDRESS NOT ASSOCIATED TO THE PERSON. XXXX HAS A CURRENT ACCOUNT FOR ME THAT I HAVE NEVER MISSED A PAYMENT ON SO THEY HAVE MY UPDATED ADDRESS AND SO DOES XXXX XXXX XXXX THERE WERE MULTIPLE DIFFERENT AVENUES TO GET THE CORRECT ADDRESS INSTEAD OF PICKING A RANDOM ONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
There was a scammer that claimed to be my friend XXXX that was not my friend with and I didn't know that but I wasn't sure so I messaged her old account because they said they had made a new account and her old account didn't message me back so I figured they were lying. They need a XXXX for new combat boots or sent that. Then they requested XXXX but I had refused and so they had got their so called lawyer to pay me back to XXXX but they would give me XXXX if I give them XXXX so I give them {$200.00} and then they said they would give me XXXX if they give them XXXX so I give them XXXX and I never got any of the money and then they wanted me to get them {$500.00} for XXXX and I said no and then I just left them at that but they just keep pressuring me for it still even now.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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: NM

Complaint narrative:
On the XX/XX/year>, I discovered that I could not transfer the balance ( about {$440.00} ) from my old Cash App account XXXX XXXX to my new account XXXX XXXXXXXX  even though both accounts are mine and linked to the same bank card. 

Over the next several days I spent around XXXX hours on calls and in-app chats with multiple Cash App agents. Each agent kept me on the line for XXXX minutes, repeating the exact same troubleshooting steps in their system ( trying the balance transfer, asking me to log out/log back in, etc. ). Every time, the transfer failed with a message that there was a system snag/glitch and the agent told me to call back again in a few minutes to try one more time. 

I provided everything they asked for to prove the account is mine : my full legal name, date of birth, SSN, email, both $ cashtags, screenshots of the original transactions from my employer, and the fact that the same bank card and my ID are linked to both accounts. Despite this, they kept me in a looppromising a one-time balance transfer, then saying the system would not allow it and that there was nothing they could do. 

On my most recent contact, an advocate again said they would escalate the case to a manager, but then I was told no manager was actually available and I should just wait for an email. The email response simply sent me back to the in-app support flow, with no clear policy or explanation for why I am being denied access to my own funds. 

In practice, Cash App appears to have a normal process to help customers who lose access to a phone number ( verify identity and move the remaining balance ), but in my case they are blocking that process, giving only vague references to a system issue, and applying their policies in an inconsistent and unfair way. I feel I am being treated differently than a typical customer, kept in endless scripted troubleshooting instead of being given a real solution or a clear written reason for holding my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synergetic Communication Inc
State: NC

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Dear ( XXXX Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

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