vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
Consumer : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Company : Ability Recovery Services LLC Also Reporting To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint : I am filing this complaint regarding inaccurate and unverified information being reported on my credit file by Ability Recovery Services LLC. I have formally disputed this account with the credit bureaus and directly with the furnisher. In response, Ability Recovery Services provided only limited documentation, including an enrollment agreement, which does not meet the legal standard required for proper debt validation under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Specifically, the company has failed to provide : - A complete and itemized payment history from inception to present - A detailed accounting of the balance increase from the original agreement to the current reported amount - Documentation showing legal assignment or transfer of the debt to Ability Recovery Services LLC - Evidence that services were rendered in accordance with the original agreement - Proper verification of the amount being reported Despite this, the account continues to be reported as accurate. Additionally, the credit bureaus, including XXXX, have stated that this account was verified, yet no documentation or method of verification has been provided to me as required under FCRA 611 ( a ) ( 7 ). A general statement of verification does not constitute a reasonable investigation. This raises serious concerns that : - The furnisher is reporting information without proper validation- The credit bureaus failed to conduct a reasonable investigation - My rights under the FCRA and FDCPA have been violated Furthermore, this account is inconsistently reported across bureaus, as XXXX representatives were unable to locate or confirm the account internally despite it appearing online, indicating unreliable and potentially inaccurate reporting. XXXX XXXX XXXX XXXX XXXX Requested Resolution : I am requesting the following actions : 1. Immediate deletion of this account from all credit reporting agencies 2. A full investigation into the reporting practices of Ability Recovery Services LLC 3. Verification of compliance with FCRA and FDCPA requirements by all parties involved 4. Written confirmation of deletion once completed XXXX XXXX XXXX XXXX XXXX Supporting Documentation : I have already submitted formal written disputes and validation requests, which were not adequately addressed. -- - This matter is time-sensitive, and I expect a prompt resolution in accordance with federal law. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 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: CA

Complaint narrative:
I have documentation that I have not received medical treatment I am charged for and credit card company is not doing a through investigation. I have proof that I did NOT get to what was agreed too and the merchants email documentation is also confirming so.

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 2026-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY

Complaint narrative:
Bandeja de entrada SERIOUS AND URGENT COMPLAINT/CLAIM Hi, My name is XXXX XXXX XXXX XXXX XXXX XXXX I am writing in a state of great discomfort, and I demand your response before initiating legal action against you and your Inefficient officials. I had a checking and savings account with you at the bank and a cash ( credit ) card. When I opened it, I deposited {$300.00} as a security deposit. On my last trip to New York last year, I went to TD Bank in XXXX, New York and closed the accounts since I was going to be out of the country for many months. I was there for about two hours. They closed my accounts, and when I asked them to give me the security deposit in cash, they told me it wasn't possible and that they would send it to me by check to my address. Even though I explained my situation, that I no longer wanted the accounts and that they should give me that money when closing them since I wouldn't be renting the place in New York anymore, I would never receive that " check. '' Well, I asked the person who was renting me the room to let me know when the check arrived. Months have passed, and the check has never arrived. I contacted the bank and they told me that wasn't the case, that I was probably treated badly, but it wasn't part of the process. So it wasn't my fault, it was the fault of the TD Bank staff, which is why I'm forced to travel to the United States on XX/XX/XXXX to resolve this rather than go to the bank to get the {$300.00} in cash. In addition to that, I DEMAND financial compensation regarding this unfair process against me, as it was irregular. It's worth mentioning that I NO LONGER HAVE THE PHYSICAL CARDS, neither credit nor checking ( savings ). I opened these accounts with my passport, which you will find attached. I WILL CLAIM MY {$300.00} in cash PLUS COMPENSATION BETWEEN XX/XX/XXXXXXXX XXXX XXXXXXXX Be sure to have my money on cash for that date. I will go to XXXX XXXX XXXX XXXX Florida XXXX Now I only have a XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
XXXX XXXX XXXX {$1200.00} LVNV FundingXXXX XXXX XXXX and XXXX {$2700.00} Unclear debt not sure where these accounts originate and theyre still reporting to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am disputing a charge of {$3000.00} for merchandise not received. The shipment required an adult signature upon delivery. I did not receive the package and did not sign for it. The merchant provided proof of delivery containing a signature that is not mine. I reviewed it and confirm it does not match my signature. I also provided my ID to American Express for comparison. No delivery photo, recipient verification, or other supporting evidence has been provided to confirm delivery to me. XXXX has not verified delivery to me. Their official proof of delivery indicates that no signature is available for this shipment, despite signature being required. The merchant has not resolved the issue or provided valid proof of delivery. Despite this, the dispute was closed without properly addressing the invalid signature and lack of delivery confirmation. A signature-required shipment without a valid signature does not constitute completed delivery. I request that this case be reopened and the charge reversed due to lack of valid proof of delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I fell victim to account takeover fraud on XX/XX/XXXX and XX/XX/XXXX where the scammers took out {$14000.00} in cash advances from my two bank credit cards to my checking account and then transferred {$16000.00} to my cashapp account where they then linked an external bank debit card. As soon as i realized what was happening, I filed disputes on all the transactions with both my bank and Cashapp on XX/XX/XXXX while everything was still pending and requested charge backs. My bank froze my accounts and locked me out of online banking until i could take my phone in to be scanned for malware. I filed a police report the night of XX/XX/XXXX. On Saturday XX/XX/XXXX i followed up with Cash app on the status of the dispute to which they replied i had no disputes open. I filed another dispute right then because Cashapp failed to file my disputes the day i reported everything on the very same day half of the transfer was submitted. Since then, Cashapp has tried to close my dispute and deny my claims 3 times to which ive had to call cashapp and reopen and escalate my dispute. Each time i reopened a dispute they sent an email with the same standard questions that i needed to respond to for them to begin their investigation. I responded each time. I received an email from Cashapp on XX/XX/XXXX that they were closing my case because a decision was issued or they hadnt heard from me in more than 3 days. I immediately called Cashapp and the customer service representative informed me that my dispute was denied and they would send me the documentation that same day. I never received anything. I got an email the next day informing me of my right to request documentation which i followed the instructions provided to request. I was then sent through an email chain of automated responses asking if I wanted to open a claim and how to do so. By then I am very angry and incredibly frustrated and responded that im trying to get the documentation for my denial decision on my case. They told me my case has no decision and has not been investigated because i never provided responses to their standard set of questions ( which I had already provided three times before in fact ). So I then responded to them for a 4th time to re-open my case. I received no response or confirmation. On XX/XX/XXXX i responded to the email chain asking for confirmation that my answers to the questions were received and my case was reopened. It is now XXXX and i have not received any confirmation from Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Description of Incident : On XX/XX/XXXX, American Express ( Amex ) processed an unauthorized {$100.00} annual charge for " XXXX XXXX XXXX '' on my XXXX account. This charge was processed without my affirmative consent, shifting my account from a monthly billing cycle to an annual one. As a direct result, I was denied the {$14.00} monthly XXXX XXXX credits for the remainder of the XXXX fiscal year, resulting in an additional loss of {$150.00} in contracted benefits. I contacted Amex to dispute this as a billing error under the Fair Credit Billing Act ( FCBA ) and Regulation Z. During my investigation, the merchant ( XXXX ) admitted they had no record of my consent for the upgrade to annual billing. Under California BPC 17602, this lack of consent renders the charge unauthorized and the service an unconditional gift. Despite the merchants admission of an " internal issue, '' Amex Supervisor XXXX ( Employee ID : XXXX ) refused to reverse the charge or restore my lost monthly credits. Amex failed to fulfill its duty to resolve a clear billing error involving services not accepted as agreed. I am seeking a full reversal of the {$100.00} charge and a credit for the {$150.00} in lost benefits, totaling {$260.00}. Company : American Express Total Monetary Loss : {$260.00} Key Evidence : XXXX Year-End Summary and Supervisor XXXX Transcript Crucially, the merchant ( XXXX ) has since acknowledged the error and resolved the billing structure on their end for the XXXX cycle. This correction by the merchant serves as definitive proof that the XX/XX/XXXX annual charge was a billing error. Despite this, American Express continues to refuse to credit back the {$100.00} unauthorized charge and the {$150.00} in suppressed XXXX credits, effectively profiting from a documented merchant error they were made aware of by Supervisor XXXX ( ID : XXXX ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
On XX/XX/year>, {$9800.00} was sent as an ACH payment from my PNC checking account to an unknown recipient at XXXX XXXX XXXXXXXX. I did not authorize this payment, nor do I have any accounts with XXXX XXXX XXXXXXXX. I have also never given anyone else permission to use my bank information or access to my mobile banking devices. I first filed a dispute with PNC Bank on XX/XX/year>, in person at the branch located at XXXX XXXX XXXX in XXXX, Michigan. During a follow-up call, I was informed that this dispute had been denied. I then returned on ( date unknown ) and filed another dispute at the PNC branch located at XXXX XXXX XXXX XXXX. Shortly after, I was contacted and asked to provide additional details. On XX/XX/XXXX, XXXX PNC representative informed me that they had noticed logins on my account from both the XXXX XXXX, Missouri area and somewhere in Florida. However, no other PNC representative has confirmed this information, which has created confusion. On XX/XX/XXXX, I was informed by phone that PNC had begun the process of shutting down my account. This led me to return to the PNC branch at XXXX XXXX XXXX, where I was told that my second dispute had also been denied. At that time, a service representative filed a complaint on my behalf and attempted to prevent the closure of my account. On XX/XX/XXXX, I called PNC and was informed that my account had been shut down and that the complaint on their end had been closed. Following this, I contacted my local police department, which advised me to file a complaint with a lawyer after calling for legal advice I was told to file this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, I created listings on Poshmark.com to sell clothing items and then received an email with a link that I needed to validate my seller account prior to selling my items. I clicked on the link and it took me to a website that looked exactly like Poshmark.com. There was a chat support that walked me through the verification process and asked for a copy of my driver 's license front and back, a picture of my face, and requested log in information to my Paypal account. I started to notice unauthorized transactions that I did not make or send within my Paypal account in amounts of {$110.00}, {$220.00}, {$500.00}, {$500.00}, and {$500.00} which the total amount is {$1800.00}. This is when I realized that I became a victim of a scam and fraud. I contacted Paypal on XX/XX/year> to dispute the multiple unauthorized transactions. In addition, I changed my password on Paypal to prevent further unauthorized transactions. On XX/XX/year>, the same day, I filed an identity theft report with the Federal Trade Commission. On XX/XX/year>, I filed a driver 's license fraud report with the California Department XXXX XXXX XXXX. Also, I have placed credit freeze through all three credit reporting bureaus : Experian, Equifax, and Transunion. On XX/XX/year>, I received an email from Paypal informing me that the dispute case was closed and that there was no unauthorized use. I called Paypal at XXXX a.m. and spoke to a Paypal representative to request an appeal on my dispute case. The Paypal representative stated that there was a billing agreement with the merchant and there were purchases made through crypto.com. I had never agreed or acknowledged a billing agreement with the merchant. Also, I do not even know what crypto is and have never purchased anything through crypto.com. I offered to submit the two reports that I filed through the Federal Trade Commission and the California XXXX XXXX XXXX XXXX so that these could be included with the appeal. The Paypal representative stated that I did not need to submit the two filed reports and to wait for further communication on the appeal request. An appeal request was submitted and I received another email from Paypal on XX/XX/year> that the appeal was denied since there was a billing agreement that was set up with the merchant. Again, I have never agreed or acknowledged a billing agreement with the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I attended The XXXX XXXX XXXX XXXX and took out federal student loans to fund my education. On XX/XX/XXXX, I received official notification from the U.S. Department of Education that my federal student loans are eligible for full discharge under Borrower Defense. This determination was issued as part of the XXXX Administrations relief actions for borrowers whose schools engaged in unlawful conduct. The Department of Education determined that XXXX XXXX XXXX engaged in pervasive and widespread substantial misrepresentations related to graduate salaries, employment rates, and career services. Based on this finding, my loans were deemed eligible for discharge. The Department of Education also stated that I may be eligible to receive a refund for prior payments made on these federal student loans. Prior to this discharge determination, in XXXX, I refinanced my federal student loans into a private student loan through XXXX. As part of that refinance, the private lender paid off my federal student loan balances through federal loan servicers. Recently, I attempted to contact my prior federal loan servicers, including Nelnet, to obtain information regarding my loans, including account numbers, loan status, and eligibility for refunds. I was informed that they could not locate any account associated with me and were unable to provide any information. This has created a situation where : * My federal student loans have been officially deemed eligible for discharge by the U.S. Department of Education * This eligibility is part of a federal borrower relief action under the XXXX Administration * I may be entitled to a refund for prior payments made * However, I can not access my loan records or identify the loans through any servicer * The loans were paid off through refinancing, and I am now left with private student loan debt that originated from loans that have been deemed eligible for discharge This issue is causing financial harm, as I remain responsible for private student loan debt that replaced federal loans that have now been determined to qualify for discharge. My decision to refinance these loans was made based on the same representations made by XXXX XXXX XXXX regarding career outcomes, earning potential, and the value of the education I received. These are the exact types of misrepresentations that the U.S. Department of Education later determined to be pervasive and widespread. As a result, my financial decisions, including refinancing my federal loans into private debt, were made in reliance on information that has now been determined to be misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
Online Information Services placed a collection account of {$20000.00} on my credit report ( account opened XX/XX/XXXX, original creditor listed as XXXX XXXX XXXX XXXX XXXX ) without ever sending me written notice of the debt, the amount, or my right to dispute it as required by FDCPA Section 1692g. I had no opportunity to dispute before it was reported. Additionally, the balance increased from {$15000.00} to {$20000.00} between XXXX and XX/XX/XXXX, a {$5300.00} increase, with XXXX payments made and no explanation provided, violating FDCPA Section 1692f ( 1 ). Furthermore, Experian reports this balance as {$20000.00} while TransUnion reports {$4700.00} for the same account. These irreconcilable figures violate FCRA Section 1681e ( b ) requiring maximum accuracy. I do not recognize this debt or any contractual relationship with this company or the listed original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I received a collections account on my credit report. I demand that this be taken off. I'm an attorney, and I plan to use the fullest extent of the law. Addition to this report, I will file a report with the New York attorney general 's office if this is not removed from my account. I have received calls and have been threatened. One individual even said that they would report me to the bar for not paying the debt that is not mine. Under no circumstances will I pay this debt

Company response to consumer: Closed with explanation