vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M.A.R.S., Inc.
State: MS

Complaint narrative:
On XXXX XXXX XXXX, I recieved a letter from M.A.R.S. Inc dated XX/XX/XXXX referencing an alleged debt of {$620.00}. I sent an initial request for validation per the FDCPA requesting proper and complete validation of this alleged debt to include : Original contract signed in Wet Ink, documentation that company is licensed to collect debt in my state, documents proving debt was sold to or assigned to M.A.R.S inc, itemized list of all charges, documentation of a move-out inspection was completed and signed by tenant, contractor receipts and invoices of repairs or supplies purchased related to assigned debt, unaltered photos documenting alleged damages, and date carpet was installed with documentation ( to properly assess depreciation ). I also demanded a cease and desist of all communication until the debt was properly validated. This included credit reporting. The collection agency responded with a computer generated list that contained numerous spelling and grammatical errors and lacked a company letterhead. This letter dated XX/XX/XXXX did not meet requirements of complete debt validation under federal law. I sent a 2nd request for verification on XX/XX/XXXX explaining that their response was not a proper validation of the alleged debt and again requested proper documentation to validate the debt. This certified letter was ignored by this company and left with the XXXX XXXX office for months. This was the companys attempt to avoid thier duty to properly validate this debt and illegally report this debt to credit reporting agencies without properly validating it. ( Note : Letter remained unclaimed and eventually was sent back via XXXX on XX/XX/XXXX ). I sent a 3rd demand letter in XXXX that was received and signed for on XX/XX/XXXX by this company. As of this complaint, M.A.R.S. Inc has still not responded or properly validated this debt. They continue to report inaccurate information to all credit reporting agencies in violation of 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers ) Which Prohibits creditors and data furnishers from providing information they know or consciously avoid knowing is inaccurate, and requires them to investigate disputes. I demand this collection be removed from all credit reporting agencies immediately. This company has a long history of violations, unethical business practices, and XXXX complaints. Many involving placing accounts on consumers credit files without proper validation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: NV

Complaint narrative:
Creditor/Collection Agency : PROCOLLECT , INC - Original Creditor : XXXX XXXX XXXX XXXX - Account Balance : {$10000.00} - Date Opened : XX/XX/year> I am disputing this account because I believe it is inaccurate and/or not valid. I request that you conduct a full investigation into this matter in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I request verification of the following : - Proof that this debt is valid and belongs to me - A copy of the original lease or agreement bearing my signature - Documentation showing how the amount of {$10000.00} was calculated - Proof that PROCOLLECT , INC has the legal right to collect this debt If you can not provide proper verification, I request that this account be removed from my credit report immediately.

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 2026-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
In the matter of LVNV Funding LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX initiated wage garnishment based on a court judgment. The original court ordered judgment amount was {$1100.00}. However, wage garnishment has continued and has been applied in a way that does not accurately reflect the lawful balance owed or the correct status of the court ordered judgment. Per the court order, the plaintiff ( LVNV Funding LLC ) was ordered that within 21 days after the judgment has been paid, they were to provide the gamishee ( XXXX XXXX XXXX XXXX ) and defendant ( XXXX XXXX ) a garnishment release. The judgment was satisfied as of XX/XX/year>. However, garnishment has continued as of XX/XX/year> with {$86.00} being withheld/garnished without a clear or accurate accounting showing how the amount being collected was calculated or legally justified. I spoke with a representative with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they stated they did not issue a release of judgment and have not been provided with a clear breakdown or validation of the continued garnishment amounts, nor evidence that the garnishment complies with the current status of the judgment. Representative hung up the phone on me as I continued asking clarification regarding wages continuing to be garnished. As a result, my wages have been improperly withheld beyond what appears to be legally authorized. I believe this conduct may violate the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : - 15 U.S.C. 1692e prohibition on false, deceptive, or misleading representations, including misrepresenting the amount of debt owed or legally collectible - 15 U.S.C. 1692f prohibition on unfair or unconscionable collection practices, including attempting to collect amounts not authorized by the underlying judgment or law I am requesting an immediate investigation, correction of the garnishment, full accounting of all amounts taken, and refund of any funds improperly withheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
XXXX of XXXX XXXX court sued XXXX.we went to court. I won and the case was dismissed. I have attached documents that the case was dismissed by the lawyer. They created a false debt after court and started reporting it on my credit. The court house and the legal aid lawyer have been contacted and all parties have proof no debt was owed and they should not be reporting to my credit. I was also informed the company got letters that the case was dismissed and I didn't owe them but the apartment was only worth XXXX dollars market value and they owed me money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am filing this complaint because Synchrony Bank continues to report an invalid, extinguished debt of {$1000.00} on my PayPal Credit account ( ending in XXXX ). On XX/XX/XXXX, I returned a mattress to XXXX ( XXXX # XXXX ). I have a signed Bill of Lading ( # XXXX ) proving the return. XXXX confirmed the refund was processed on XX/XX/XXXX ( PayPal XXXX # XXXX ). Despite filing four prior disputes, Synchrony refuses to credit the account. On XX/XX/XXXX, XXXX confirmed in writing that Synchrony has never contacted them to verify this return, violating the FCRA 's " reasonable investigation '' requirement. This inaccurate reporting has caused a significant drop in my credit score, destroying years of established credit history. Furthermore, Synchrony used this error to label me " high risk '' and closed my XXXX XXXX ( XXXX ), Amazon Store Card ( XXXX ), and XXXX XXXX ( XXXX ), even though I maintained a perfect payment history on those accounts. Formal " Intent to Litigate '' notices were mailed on XX/XX/XXXX, to Synchrony ( Certified Mail : XXXX ) and the three bureaus ( Tracking : XXXX, XXXX, XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have asked for chain of title, method of verification. And the company ( XXXX XXXX ) has failed to provide any documentation Ive asked for. I have no knowledge of this account. I have also filed identity theft with the cfpb.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/XXXX, I was the victim of a sophisticated impersonation scam involving my accounts at USAA Federal Savings Bank. I received a phone call appearing to originate from USAAs fraud department, along with a fraud alert text message referencing suspicious activity. The caller claimed my accounts were under active fraud attack and kept me on the phone for approximately four hours. During the call, unauthorized activity occurred within my account that I did not initiate, including : A mobile deposit of approximately {$10000.00} into my savings account Transfer of those funds from savings to checking Multiple credit card payments ( {$2000.00}, {$2500.00}, {$1500.00} ) A full credit card payoff transaction These actions appeared in my account in real time and demonstrate that a third party had active access to my account during the incident. During the same time period, the following credit card transactions occurred : {$9300.00} XXXX XXXX ( XX/XX/XXXX ) {$4900.00} XXXXXXXX XXXX XXXXXXXX ( XX/XX/XXXX ) These transactions were processed as direct credit card charges ( not through my XXXX account ). After the incident, I reported the fraud to USAA and requested investigations. USAA conducted multiple investigations and acknowledged fraud in several related transactions, issuing credits for those items. However, USAA denied the above two transactions, classifying them as authorized, and reversed provisional credits. Their most recent denial was issued on XX/XX/XXXX, stating that the information provided was insufficient. This determination does not account for the fact that : unauthorized activity was occurring within my account at the same time the transactions were part of a single continuous fraud event the actions were taken under direction of an impersonator with apparent account access Additionally, the merchants associated with these transactions did not provide legitimate goods or services : For the {$9300.00} transaction, I received a shipment containing prop currency ( XXXX money ), not merchandise For the {$4900.00} transaction, I did not receive any goods or services These facts are consistent with known fraud patterns involving fake merchants and fabricated shipment activity. Other institutions reviewing this same incident reached different conclusions. XXXX reviewed related transactions and ruled in my favor, issuing refunds totaling approximately {$10000.00}. Despite this, USAA has continued to treat these two transactions as authorized and has not meaningfully addressed : the evidence of account compromise the broader fraud context or the applicability of chargeback protections for goods not received or misrepresented

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 2026-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I DISPUTE THE COLLECTION ACCOUNTS REPORTED ON MY CREDIT FILE AS THEY DO NOT BELONG TO ME AND I DID NOT AUTHORIZE OR PARTICIPATE IN THESE ACCOUNTS.

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 2026-04-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX, Wells Fargo unilaterally closed my CD account and mailed a cashier 's check for {$100000.00} to an outdated address without verifying my current address. On XX/XX/XXXX, an unknown individual intercepted the check and presented it at a Wells Fargo branch location. Without verifying the presenter 's identity, the teller disbursed {$10000.00} in cash and issued a replacement cashier 's check for {$94000.00}. The replacement check was subsequently deposited at XXXX XXXX XXXX in XXXX, CA. I was physically located in mainland XXXX on XX/XX/XXXX, making it impossible for me to have conducted this transaction. I have travel records and a sworn affidavit confirming this. Wells Fargo 's own notary witnessed my affidavit on XX/XX/XXXX. Wells Fargo denied my fraud claim on XX/XX/XXXX, falsely asserting the signatures matched, based only on a non-expert internal comparison. The denial letter was sent to the same incorrect address that enabled the fraud. Wells Fargo has refused to provide surveillance footage, transaction records, or destination account information. An active felony investigation is underway with the XXXX Police Department Financial Crimes Unit. A formal legal demand for {$420000.00} was submitted to Wells Fargo on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App regarding the wrongful closure of my account and failure to properly investigate reported fraudulent activity. I contacted Cash App support to report suspicious and unauthorized activity on my account, including Bitcoin-related transactions and an unexpected large transfer attempt. Instead of assisting me or investigating the issue, my account was closed for suspected fraud. Cash App later claimed that I submitted an appeal on XX/XX/year>. This statement is false. I did not submit any such appeal, and I have no record of it. This raises serious concerns that my account activity may have been misattributed, compromised, or improperly reviewed. Despite multiple attempts to resolve this directly with support, they have refused to provide : - Specific details of the alleged violation - Documentation of the supposed XX/XX/year> appeal - A meaningful review of my case They have stated their decision is final without providing sufficient explanation or evidence. I am requesting : - A full and accurate review of my account - Documentation supporting their claims - Reinstatement of my account if no valid violation is found - An explanation of how my fraud report resulted in account closure This situation has caused me financial concern and loss of access to my account, despite acting in good faith to report suspicious activity. I request that this matter be formally investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Activehours
State: VT

Complaint narrative:
About two weeks ago, I made an account with EarnIn and then deleted it less than 48 hours later. Part of that process involved giving them my back account information. I revoked their permission to use my bank account when I went through the process of deleting my account. On Wednesday, EarnIn took my entire paycheck from the XXXX all of it- and because I deleted my account, I can't even access it through their app. I have absolutely no way of accessing it, and they refuse to return the money to me. They took my entire paycheck from my bank account without my permission and now refuse to give it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I am not liable for this debt with XXXX XXXX. I do not have a contract with PORTFOLIO RECOVERY. They did not provide me with the original contract as requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cash app charge me a overdraft fee twice after paid two days ago, cause me a financial setback

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NC

Complaint narrative:
I am filing a complaint regarding an ongoing servicing error that began XX/XX/XXXX and has resulted in my student loan account being incorrectly reported as past due and damaging my credit. This issue has been ongoing for over 7 months despite repeated attempts to resolve it. I contacted MOHELA by phone on the following dates : * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX During these calls, representatives confirmed there was a system error or issue affecting my account and that requests were submitted to correct it. I was repeatedly given timelines ( 90 business days, then 10 business days, then 23 business days, then another 10 business days ). The issue has never been resolved. My account continues to be reported as delinquent, and my credit score has been negatively affected. On XX/XX/XXXX I submitted a formal written Notice of Error and Request for Information. MOHELA acknowledged receipt but has not investigated, corrected the delinquency, placed my account into administrative forbearance, or addressed the inaccurate credit reporting. I am requesting : * Immediate investigation and correction of the servicing error * Removal of any delinquency caused by this error * Correction of all negative credit reporting * Written documentation of the investigation and prior case history This delinquency is the result of a servicing error, not borrower non-payment.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
I am being contacted repeatedly by a third-party representing Comenity Bank ( supposedly ), calling from multiple different phone numbers and asking for XXXX on behalf of XXXX... I am NOT XXXX and I do not have an XXXX account which they vaguely reference. I have a daughter named XXXX who hasn't lived at home in over XXXX years and has NO debt with XXXX, nor has she provided Comenity with my phone number. I have blocked calls and they just keep coming. No written notice of debt has been sent to me nor to my daughter, so this feels like a scam or a hack. The repeated calls are becoming more than an annoyance and, while reporting may not solve my issue, perhaps something can be done? Meanwhile, I'll just keep blocking.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: STATE BANKSHARES, INC.
State: CA

Complaint narrative:
I have an HSA custodied by XXXX XXXX and administered by XXXX. I have been unable to create an online account or access my own HSA funds. I have called alight customer service 5 times on the following dates : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. A support ticket was opened on my behalf [ ticket # XXXX ] to update the email address and phone number on file so I could complete online account registration. On multiple calls, representatives committed to sending me a confirmation email " by end of day '' to complete this update. No email has ever been sent. Each subsequent call has resulted in my ticket being rerouted to a different department, with no resolution, no escalation, and no accountability. Promised deadlines have been missed on every single call. As a result, I can not obtain my account number, I can not access statements, and I can not initiate a transfer of my own funds to another qualified HSA custodian. Meanwhile, monthly account fees continue to be deducted from my balance fees I can not verify or dispute because I have no access to the account. This effectively prevents me from exercising my legal right under IRS rules to transfer my HSA to another custodian.

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 2026-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
State: NC

Complaint narrative:
CREDIT BUREAU ASSOCIATES -account number XXXX - date- XXXX in amount of {$770.00} Pursuant to 18 USC 8 , I owe no debt, this company violating my consumer right to privacy pursuant to 15 USC 1681 b 2. company has also no permission to report anything using my info pursuant to 15 USC 1681 4 . In addition I have not supplied proof under the doctrine of estopper by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX XXXX Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action. I have not given you written permission to put anything on my credit profile 15 USC 1681b2. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. Delete this from my report

Company response to consumer: Untimely response