vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Failure to Validate Debt and Demand for Deletion Transworld Systems Inc. Account : Transworld Systems Inc. Balance {$470.00} To Whom It May Concern : I am filing this formal complaint against Transworld Systems Inc. regarding the above-referenced account currently being reported on my consumer credit file. I dispute this alleged debt in its entirety. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 809 and the Fair Credit Reporting Act ( FCRA ) 611, I requested proper validation of this account. To date, Transworld Systems Inc. has failed to provide competent evidence that meets the legal standard for validation. Specifically, Transworld Systems Inc. has not provided : A signed contract or application bearing my signature A complete chain of assignment showing their legal right to collect Documentation establishing that I am legally obligated to pay this alleged debt Proof of accuracy of the balance claimed Evidence that this account was lawfully reported to consumer reporting agencies Merely reporting a balance or listing an account without providing underlying documentation does not constitute proper validation under federal law. Continued reporting of an unverified debt constitutes inaccurate and misleading reporting under FCRA 623 ( a ). If Transworld Systems Inc. can not provide full and proper validation of this account, they are required by law to immediately delete this account from all consumer reporting agencies. Failure to comply with federal law may constitute willful noncompliance under FCRA 616 and FDCPA violations, making Transworld Systems Inc. liable for statutory damages, actual damages, and additional civil liability. I am requesting that the Consumer Financial Protection Bureau require Transworld Systems Inc. to : 1.Provide full and lawful validation of this alleged debt, OR 2.Immediately delete this account from all consumer reporting agencies If this matter is not corrected, I reserve the right to pursue all available legal remedies for damages due to inaccurate reporting and failure to properly validate this alleged debt. I expect a timely and legally compliant response. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
In XX/XX/year> we had a XXXX charge on our XXXX card that wasn't ours, XXXX took it off immediately and contacted XXXX to dispute the transaction also. In the last few weeks we have started receiving phone calls from a debt collector in the charge amount of XXXX and notifications that we need to return merchandise in order to balance the charges. These are not our charges nor are we in possession of the merchandise that was fraudulently charged on our discover - we are assuming these are related.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One ran a Capital One Offer for XXXX. The offer was XXXX miles for XXXX XXXX XXXX on XXXX. XX/XX/year> XXXX XXXX- I took a screenshot of the summarized offer terms and enrolled in the offer using my Capital One Venture X Visa card ending in XXXX. XX/XX/year> XXXX - I placed the my First Restaurant Order using the same credit card XX/XX/year> XXXX - Capital One emailed me stating " Get ready to enjoy XXXX miles. You earned it! '' XX/XX/year> - Capital One deposited XXXX miles into the Capital One Venture X Rewards balance. XX/XX/year> - I called Capital One customer support stated an investigation is ongoing and may take up to 45 days to resolve. I stated this resolution was less than favorable and mentioned how others on XXXX have had success contacting customer support with various resolutions such as statement credits or having the missing points credited to their accounts. They reiterated that an investigation was ongoing and that they would not be able to remedy the situation until the investigation was complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On Monday XX/XX/XXXX I made a cash deposit at my local branch ATM. I deposited {$3100.00} and mostly large bills. The ATM machine started returning my money but only gave back {$2100.00}. The screen said that they were unable to return all of my items and I needed to call a phone number listed on my receipt I immediately went inside and notified the tellers and I was told there was nothing they could do about it because they have no control over the ATM. At that point, I immediately deposited the {$2100.00} that I had returned by the ATM through the teller at the counter Ive been on the phone with them every day and still dont have my {$1000.00} credited to my account. Now my account isnt a negative and I cant pay my bills or feed my family. They are absolutely no help on the phone and no one can do anything to get my account credited. This is the sixth day since this happened and I just want my thousand dollars back. Its not a lot of money to them, but its a lot of money to me and my family when we live paycheck to paycheck. I have filed a police report which doesnt seem to do any good unless I have to take this to an attorney. God knows I cant afford that so Ill have to find one thats willing to work on the case and pay legal fees out of winnings, if any.

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 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
I was called by someone posing as a representative of my bank USAA, XXXX person made me believe that I was target of someone hacking my account, stayed on the phone and made me go to a bank and claimed that I was reversing the transactions, ended up being he was stealing my money. I called usaa immediately and went to police once I realized what had happened. Usaa states that it was not fraud and I will lose my money. I have sent them all I have for documents and have aaked for call backs and have not received.

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 2026-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am filing this complaint regarding inaccurate and inconsistent credit reporting by NCA concerning an alleged collection account currently reporting a balance of {$1700.00}. This account is not being reported consistently across all three major consumer reporting agencies, yet remains active and marked as Placed for Collection. The failure to report consistently while maintaining active derogatory reporting raises serious concerns regarding the accuracy and integrity of the information being furnished. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ), furnishers are required to report information that is complete and accurate. Inconsistent reporting between consumer reporting agencies strongly suggests that the data being furnished is unreliable, incomplete, or improperly maintained. Additionally, if this account is being furnished to one or two credit bureaus but withheld from others, it demonstrates selective reporting practices that may misrepresent the true status of the account and negatively impact my consumer profile. I formally dispute the accuracy, completeness, and compliance of this account and demand that NCA : 1.Conduct a reasonable investigation into the accuracy of this account. 2.Provide full documentation validating the debt, including : Original creditor documentation Chain of assignment or transfer of ownership Proof of contractual obligation 3.Immediately delete this account from all consumer reporting agencies if full verification can not be provided. 4.Correct any inconsistent reporting across all consumer reporting agencies. Failure to comply with federal reporting requirements may constitute willful noncompliance under the Fair Credit Reporting Act, exposing the furnisher to liability for damages under 15 U.S.C. 1681n and 1681o. I request that the Consumer Financial Protection Bureau review this matter and require the furnisher to demonstrate full legal compliance or permanently delete this account. Consumer requests investigation and corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I am filing a complaint regarding an unresolved refund request submitted to MOHELA on XX/XX/XXXX. As of XX/XX/XXXX, my refund has been pending for approximately XXXX months, which significantly exceeds the stated processing timeframe of XXXX business days. Despite multiple attempts to resolve this issue, I have not received a substantive response. XX/XX/XXXX attempt to get a response was mid XXXX XXXX I figured the XXXX days have passed and I would get a concrete answer, I did not. XX/XX/XXXX notice was beginning of XXXX, I received a generic response with no clear resolution. Also beginning of XXXX, sent another email detailing what I was requesting and continued getting only a generic response and nothing that was personalized to my issue. Across these communications, I have consistently requested : Confirmation of the refund amount A specific disbursement date An explanation for the delay MOHELA has failed to provide any of this information. Issue : This prolonged delay, combined with repeated non-substantive responses, raises serious concerns regarding improper servicing, lack of transparency, and failure to meet reasonable processing timelines.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-11 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: GA

Complaint narrative:
Cash App been send ing out random add friends and refunds not being refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
I am formally disputing the continued reporting of inaccurate and/or unverified information on my credit report. I previously initiated a dispute with the company and/or credit reporting agencies on or around XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, requesting full validation of the alleged debt, including the original signed agreement, complete payment history , chain of ownership ( if applicable ), and documentation showing the companys legal authority to report or collect this account. To date, the company has failed to provide adequate verification. The response provided, if any, was incomplete, generic, or did not directly address the specific validation requirements requested. In some cases, no meaningful investigation results were communicated at all. Despite this, the account continues to be reported as valid, which is misleading and damaging to my credit profile. Additionally, LVNV Funding LLC is attempting to collect and/or sue me for an alleged debt ; however, I do not recognize this company and I have never done business with them. I have no knowledge of entering into any agreement or account with this entity. Despite this, they are pursuing collection activity without providing clear, verifiable proof that I am legally obligated for this alleged debt or that they have proper ownership and standing they are sharing my personal information online and without my consent. I contend that continuing to report and/or pursue collection of this information without full and proper verification reflects a failure to conduct a reasonable investigation. If the company can not produce complete, verifiable documentation confirming accuracy, ownership, and legal authority over this account, then the continued reporting and collection activity is inaccurate and must be corrected, withdrawn, or removed immediately. I have made good-faith efforts to resolve this matter directly, yet the issue remains unresolved and continues to negatively impact my financial standing. I am requesting immediate reinvestigation and removal or correction of any information that can not be fully substantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 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: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
I am disputing an unauthorized credit card charge of {$300.00} from XXXX dated XX/XX/year>. On XX/XX/year>, I contacted Arvest Bank after noticing a declined transaction and was informed there were XXXX pending charges on my account : XXXX for {$120.00} and XXXX for {$300.00}. I immediately informed Arvest that both charges were unauthorized and requested that my credit card be closed. Arvest closed the account and issued a replacement card. Arvest began a dispute investigation on XX/XX/year>. After the investigation, they credited back the {$120.00} charge, confirming that at least XXXX transaction during this timeframe was fraudulent. However, they are refusing to credit the {$300.00} charge, even though it occurred at the same time and under the same circumstances. During the investigation, I reviewed documentation provided by Arvest and XXXX. The information raises serious concerns : The order associated with the {$300.00} charge shows an IP address located in XXXX, Texas, which is not my location. The shipping phone number on the order is not mine and is not even a working number. I did not place this order, and I rarely make purchases from XXXX. XXXX agreed on my purchase history with them and provided a XX/XX/XXXX delivery confirmation with a photo, but I never received any package, and a photo alone does not prove that I received the item. Despite these discrepancies, Arvest denied my dispute. Additionally : I have followed up with Arvest multiple times over several months and was told I would receive updates, but I did not receive consistent communication or a final formal written explanation. As of today, I have only been told verbally that the dispute is denied and the decision is final, and I had to request the final denial letter myself. I have been a customer of Arvest Bank since the XXXX and have maintained my accounts in good standing, including paying off a significant balance recently. Despite this history, my legitimate fraud claim is not being properly handled. It is inconsistent and unreasonable for Arvest to acknowledge fraud on XXXX charge but deny another charge made at the same time with similar indicators of unauthorized use.

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 2026-04-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I disputed a collection account being reported with a balance of {$600.00}. The original balance of this account was {$510.00}, and the increase has never been explained or validated. I requested documentation and validation of the debt, including an explanation of the balance increase, but no such documentation was provided. Despite this, the account continues to be reported as accurate. The credit bureau verified the account without providing any evidence or explanation. This indicates a failure to conduct a reasonable investigation and the continued reporting of inaccurate information. I am requesting that this account be removed from my credit report.

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 2026-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing a formal complaint against LVNV Funding LLC regarding a collection account currently being reported on my credit file. According to my credit report, LVNV Funding LLC is reporting an account with the following details : Balance : {$440.00} Account Status : Open Remarks : Placed for collection Date Opened : XX/XX/year> I dispute the accuracy and validity of this account for the following reasons : 1. Lack of Proper Validation I have not received adequate documentation proving that this debt is legitimately mine or that LVNV Funding LLC has the legal right to collect on it. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to full validation of this debt. 2. Inaccurate / Misleading Reporting The account is listed as open, which is misleading for a collection account. This may be negatively impacting my credit report unfairly. 3. Failure to Provide Original Creditor Details The report does not clearly identify the original creditor or provide sufficient account history to verify the debt. I am requesting that the CFPB require LVNV Funding LLC to : Provide full validation of the debt, including original creditor information, account statements, and proof of ownership of the debt Correct any inaccurate reporting immediately Remove this account from my credit report if proper validation can not be provided If LVNV Funding LLC can not verify this debt in accordance with federal law, it must be deleted from all credit reporting agencies. I expect a timely investigation into this matter and appropriate action taken to ensure my rights are protected under the FDCPA and Fair Credit Reporting Act ( FCRA ). Sincerely, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cash app : closed account unexpectedly and without reason. Made it impossible to recover

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express XXXX XXXX XXXX | Account ending : XXXX | Amex Ref : XXXX I am filing this complaint as a follow-up to a previous CFPB complaint against American Express ( XXXX XXXX regarding unauthorized fraudulent use of a card that should have been deactivated. A card from XXXX generations prior not the card in my wallet, not its replacement, but the one before that. American Express processed these transactions despite the card being obsolete and should have been inactive. When I requested the call recording and transcript of an alleged agreement to keep this card linked, American Express refused. They then responded to my formal XX/XX/XXXX data request by citing the Gramm-Leach-Bliley Act as grounds to withhold my own records effectively using a federal exemption to withhold evidence in an active fraud dispute. I do not recall agreeing to keep this card active. I was under emotional distress during that call. American Express will not release the recording so I can verify what was actually said. When I have called to request it, I have repeatedly been told I need a subpoena to access my own call records which is not accurate and feels deliberately obstructive. Additionally, the formal response email American Express sent regarding my XX/XX/XXXX request arrived with the subject line reading Replace this with your subject line an unfilled template placeholder. This suggests my request was handled carelessly and dismissed without genuine review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
XX/XX/year> reported on credit. No actions taken by company as otherwise stated Actions taken - consumer disputes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: WI

Complaint narrative:
They information the debt collector has is wrong, I have the updated ledger showing all rent was paid. I will upload it below. When you go to the final page, the final number comes to XXXX on XX/XX/XXXX. Debt collector reached out to me XXXX of XXXX claiming I owed {$3300.00}, I send a debt validation letter in XXXX requesting information. I was emailed XXXX piece of the requested information and it is an outdated ledger from XXXX, it does not have all of the information included in the ledger requested and dated for XXXX. The XXXX ledger shows a balance of XXXX. I have also included screen shots of the outdated ledger that was sent to me by the debt collects. I was able to obtain the current one through the rental company in XXXX of XXXX. When making my first complaint the company claimed to debt collectors we owe, while withholding the updated ledger that is proof we do not owe.

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