vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 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 received a Form 1099-DA reporting a {$500.00} Bitcoin transaction dated XX/XX/XXXX from Cash App/Block , Inc . I have never used Cash App or purchased cryptocurrency and believe my SSN may have been used fraudulently or attached to the wrong account. I contacted Cash App support and filed a complaint as instructed ( case # XXXX ) but have received no response beyond their stated 10 business day window. I am requesting an investigation and a corrected 1099-DA sent to me and the IRS. Also, I do have a cash App account that was opened in XX/XX/XXXX but have never used. When I followed up with a phone call on XX/XX/XXXX they wouldn't verify if the account number on the 1099-DA was the same as my current account number. Nowhere in their app can I even find an actual account number. I only have the number on the card I was sent. I also filed a complaint with the Federl Trade Commission of possible Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I used Cash App to send payment for services I requested. Although I typed the name and selected the correct person, by the time I hit send, another business had been populated. This business, Cuts, is not in my contact list and I have never sent or received funds to them before. I immediately attempted to cancel, then request return of the funds but I did not receive a response. It was XXXX Sunday so I decided to wait until Monday to attempt further contact assuming the business was closed. I requested a refund from the business twice and as you can see in one of the pictures, the funds had not been released to the business. On XX/XX/XXXX, the business declined my refund request and the funds were released to the business by Cash App. I also requested assistance from Cash App ; however, it does not appear that they made an attempt to contact the business nor conduct any research. Their response indicates that the transaction was conducted from my phone which is not in dispute. My point is that : - My attempt to cancel the transaction should have applied since the funds were not released immediately. XXXX Cash App was aware of my request for a refund which was pending at the time the funds were released. -It does not appear that Cash App attempted to contact the business to verify whether the goods or services were provided which might indicate that the funds were due to them so they are complicit in the fraud perpetuated by the business in that they have received funds for services that they were not contracted for and have not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: TX

Complaint narrative:
I am submitting this complaint regarding multiple debt collection agencies that appear to be engaged in a pattern of unlawful debt collection activity and credit reporting violations, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I formally disputed the alleged debts listed above and requested validation pursuant to 15 U.S.C. 1692g of the FDCPA. Under federal law, once a consumer disputes a debt, a debt collector must cease collection activity until proper validation has been provided. Despite receiving my dispute, these companies have failed to provide legally sufficient documentation demonstrating that I have any contractual or legal obligation for the alleged debts. Specifically, the companies failed to provide : A copy of the original signed agreement creating the debt Documentation showing the complete chain of title for the alleged account A bill of sale or assignment demonstrating lawful ownership of the debt A complete accounting of the balance claimed Documentation establishing legal authority to collect the debt Instead of validating the debts, these companies appear to be continuing collection efforts and/or furnishing information to consumer reporting agencies without verifying its accuracy. This conduct may constitute willful noncompliance with federal law, including, but not limited to, violations of : Fair Debt Collection Practices Act : 15 U.S.C. 1692g Failure to validate a disputed debt 15 U.S.C. 1692e False or misleading representations regarding a debt 15 U.S.C. 1692f Unfair or unconscionable collection practices 15 U.S.C. 1692c Improper collection conduct following a written dispute Fair Credit Reporting Act : If these companies are furnishing information to consumer reporting agencies without proper verification, this may constitute violations of : 15 U.S.C. 1681s-2 Furnisher duty to provide accurate information 15 U.S.C. 1681e ( b ) Requirement to follow reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i Failure to properly investigate disputed information Additionally, furnishers of credit data are required to follow Metro 2 Credit Reporting Resource Guide standards when reporting accounts. Reporting inaccurate, incomplete, or unverified information may constitute regulatory violations and may expose the furnisher to civil liability. Based on the actions described above, it appears that these companies may be engaging in a pattern and practice of regulatory violations, including attempting to collect debts without proper documentation and furnishing potentially inaccurate information to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: ME

Complaint narrative:
I am filing a complaint against PayPal regarding a misleading and unfair cashback promotion tied to its Pay Later service. In XX/XX/year>, I participated in a PayPal ( XXXX ) cashback campaign. On XX/XX/year>, I completed two transactions using a version of the promotion that allowed multiple uses. After that, PayPal updated the promotion terms to limit the offer to one transaction per participant. Following this update, I was issued a new 20 % cashback coupon reflecting the updated single-use terms. I then used this coupon on XX/XX/year>, for an additional purchase through PayPal Pay Later. PayPal is now denying cashback for this XX/XX/XXXX transaction, stating that I had already used the promotion previously and exceeded the one-transaction limit. This is misleading and unfair for the following reasons : Issuing a coupon despite ineligibility : PayPal provided me with a new coupon and allowed me to apply it at checkout, even though they now claim I was not eligible. No warning at checkout : At no point during the transaction was I notified that I had already reached the limit or that the reward would not be honored. Reasonable reliance on system behavior : A reasonable consumer would interpret the issuance and successful application of the coupon as confirmation of eligibility. Post-transaction denial : PayPal allowed the transaction to proceed with the promotional incentive but denied the benefit afterward. As a result, I made a financial decision using PayPal Pay Later based on the expectation of receiving cashback. PayPal is withholding XXXX reward points associated with this transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I found an email in my spam folder. This company has never contacted me before. I tried to reach XXXX Bank but they could not help me. A supervisor was supposed to call me back to at least establish that Spring Oak represents them. The payment plan was too high as well and no one would offer help. I tried to set up a payment plan and instead was put on my credit report as a collection. I have no proof of who they are and since I only received an email in my spam... they should provide extra time to arrange a payment plan if they are legitimate not just put in on my credit without any other means of communication. They will not remove it from my credit report and will not provide help. I still have not been able to even verify they they are legitimate. This is untimely and unfair debt practices. If they remove it and I owe it, I will make a payment plan not this way though. Being on my credit report for collection and I do not know who they are and they expect me to pay money online???? Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing the following accounts on my TransUnion credit report because I have not received proper validation or documentation proving that these debts are accurate, owed, or legally collectible. The accounts in question are XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, along with late payments reported on XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite previous disputes, I have not received the original signed agreements, itemized balances, payment history, or evidence that the reported information is correct. This ongoing reporting may be due to errors or a potential data breach. Under 15 U.S.C. 1692g ( FDCPA 809 ), I have the right to request validation of any alleged debt. Under 15 U.S.C. 1681i ( FCRA 611 ), TransUnion must reinvestigate any information that can not be verified, and under 15 U.S.C. 1666b, any payments must be accurately credited, impacting the validity of late payment reporting. I am requesting detailed, actual documentation and not a generic verification 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 explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
In XX/XX/year>, I disputed a collection account reported by Genesis XXXX XXXX XXXX with XXXX. The account was subsequently removed following that dispute. After its removal, the same account was reinserted under Columbia Debt Recovery LLC, with an increased balance. This appears to be the same debt that is being re-reported under a different name. I was not notified of any reinsertion, and the balance has increased without any validation or supporting documentation. I have requested validation of this debt formally, including an itemized statement of charges, complete payment history, and a copy of the original signed lease agreement that bears my signature. The company has failed to produce this information. Due to the reinsertion of this account under a different name, the unexplained balance increases, and lack of proper validation, I believe this is an inaccurate report and request it to be fully validated or immediately removed from my credit report. I am also requesting documentation showing compliance with reinsertion requirements, including notification provided to me specifically.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates , LLC for reporting and attempting to validate an alleged debt without providing legally sufficient documentation, in violation of federal law. I formally disputed this account and requested proper validation. In response, the company provided only a summary of account information, including the name of the original creditor ( XXXX Bank ) and a balance. This does not constitute proper validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ). To date, Portfolio Recovery Associates has failed to provide : - A signed contract or application bearing my signature - A complete chain of title showing legal ownership of the debt - A full accounting of the balance - Any competent evidence that I am legally obligated to pay this debt Despite this lack of validation, the company continues to report this account to consumer reporting agencies. This constitutes inaccurate and unverifiable reporting in violation of the Fair Credit Reporting Act, including but not limited to : - 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy - 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable investigation - 15 U.S.C. 1681s-2 ( b ) : Failure to properly investigate disputed information Furthermore, the continued reporting of an unverified debt is deceptive and misleading under 15 U.S.C. 1692e. I am requesting the following resolution : 1. Immediate deletion of this account from all consumer reporting agencies 2. Cessation of all collection and reporting activities 3. Written confirmation that this account has been removed If this matter is not resolved promptly, I am prepared to pursue further legal remedies for willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o. This complaint is being submitted as part of a documented record of violations. I expect a timely and lawful resolution. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
I tried to pay my mortgage online the bank sent a payment to my mortgage cut. It could not get put into an account my mortgage company send it send it back to the bank. I have a canceled check front and back from the mortgage company but the bank says they never received. I have dealing with this for over a year.

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 2026-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: TN

Complaint narrative:
My mortgage servicer, XXXX, received an insurance proceeds check in the amount of {$75000.00} on XX/XX/year>, related to a total loss claim on my property located at XXXXXXXX XXXX XXXX XXXXXXXX, TN XXXX ( Loan # XXXX ). The check was properly endorsed and overnighted to XXXX and confirmed delivered. As of today, the funds have still not been applied to the principal balance of my loan. This delay is preventing the sale of my home, which is scheduled to close on XX/XX/year>. If the funds are not applied immediately, I risk losing my buyers and suffering significant financial harm. My family has already been displaced since XXXX due to this total loss. I have contacted XXXX multiple times and have received inconsistent and conflicting information regarding processing timelines, ranging from 3 days to 30 days. Representatives have been unhelpful and unable to provide clear answers or escalation. This is a straightforward total loss scenario where the funds are to be applied directly to principal. There is no valid reason for this delay. I am requesting immediate application of the funds to my loan balance and direct communication from a supervisor to resolve this matter before my scheduled closing.

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 2026-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I have been trying to get my information from XXXX XXXX from a financial to the default resolution group also first advantage they keep giving me the runaround I am requesting to get this default resolution letter sent to me so that I can enroll in school

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Account charged off, I suspect an account take over. Email was changed from XXXX to XXXX. Address was also changed. My credit card accounts were compromised as a result of what appears to be an account takeover. Unauthorized changes were made to my profile, including changes to my email address and mailing address, without my knowledge or consent. The affected accounts include my Capital One credit cards : Platinum card ending in XXXX, Platinum card ending in XXXX, Quicksilver card ending in XXXX, and XXXX card ending in XXXX. Following these unauthorized changes, multiple transactions occurred on these accounts that I did not authorize or make. These transactions ultimately led to the accounts being charged off. At no point did I approve or have knowledge of these charges. The fraudulent activity appears to have taken place only after control of my accounts was transferred to an unknown individual. This situation is a clear case of identity theft and account takeover. The company failed to prevent unauthorized access to my accounts and allowed profile changes and transactions to occur without proper verification. I am requesting a full investigation into this matter, the removal of all fraudulent charges, reversal of the charge-offs, correction of any negative credit reporting related to this incident, and restoration of my accounts to good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I've disputed multiple times with your company that I did not open this account, nor did I sign or consent to any binding agreement with anyone regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: FL

Complaint narrative:
I am disputing a medical collection account reported by Americollect Inc. for {$500.00}. On XX/XX/year>, I sent a debt validation request via certified mail, which was delivered and confirmed. I requested full validation of the debt, including an itemized statement, proof of the original obligation, and verification of all reported information. As of today, I have not received proper validation of this debt. Despite this, the account continues to be reported on my credit file. Additionally, the account contains inaccurate and incomplete information, including invalid or missing dates reported across credit bureaus. This raises serious concerns about the accuracy and completeness of the reporting. I disputed this account with the credit bureau, and it was marked as verified, despite the presence of inaccurate data and lack of proper validation from the debt collector. Under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, a debt collector must ensure accuracy and provide proper validation before continuing to report a debt. I am requesting that this matter be investigated and that the account be removed due to failure to validate and inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Recovery and Collections, Inc.
State: CA

Complaint narrative:
Validation of Debt Request - SENTRY RECOVERY AND CO - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I made a money transfer from my account, but I did so under deception/fraud. I was misled into sending the money believing it was a legitimate transaction. Later, I realized it was a scam. I contacted the bank to report the situation and request assistance, but my claim was closed, stating that the transaction was authorized. Although I made the transfer, it was done under deceptive circumstances, so I consider myself a victim of fraud. I request that this case be investigated both to prevent other people from going through the same situation and becoming victims of this type of scam, and also that the possibility of recovering the funds be evaluated. I have evidence of the communication and what occurred.

Company response to consumer: Closed with explanation