vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I received a suspicious text before XXXXXXXX XXXX stating a debt collector XXXX is going to communicate with updates for a debt I owe for XXXX XXXX. It wanted me to click on a link. I did not click on it. I erased the message and blocked it. I called XXXX XXXX XXXX XXXX services directly from their official website and spoke with a XXXX and she stated I have no accounts in collections and that I am at a XXXX balance for all my accounts with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MO

Complaint narrative:
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 ) XXXX, 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 2026-03-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I am requesting documentation necessary to verify the accuracy and ownership of my credit card account. Currently, I do not have complete monthly account statements or records that allow me to independently verify the balance, finance charges, fees, and payment history associated with this account. Without this information, I can not confirm whether the amounts claimed are accurate or compliant with the Truth in Lending Act ( TILA )

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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Validation of Debt Request - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * * * 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Sezzle Inc.
State: FL

Complaint narrative:
I ordered from smokekind.com through sezzle to a build credit faster and ease of use normally .. this company sent me fake as well as moldy products.. I sent the merchant a communication showing issues asking for return info to which I was told. They dont usually accept returns funny, because theor own policy in the site says XXXX days which is what sezzle says is the issue when in essence it has nothing to do woth the actual issue. I sent all the pics and communication to sezzles dispute team.. since smoke kind never replied once I said well thats a scam because I had to open to see the mold and discover the items are fake and not consumable even if was real woth mold. Sezzle dragged on having me resend info over and over. Then decides against me on the basis of I cant show them where they told me XXXX days but I sent them the site of merchants own return policy which I said to sezzle XXXX I only have XXXX days to return per their policy which is a fact. Idk why the merchant had to tell me so as well when they contradicted that and stated and I sent them all this info.. please help me my bank afreed woth me on this one so im filing a complaint here for resolution. I never had an issue or dispute with the. XXXX and the XXXX time is a legitimate fraud order the company set and refused to make good or replace with legit items. Just ignored me and hope id go away. XXXX refuse to be robbed for almost XXXX dollars and not report this injustice. Thank you for your time and help now its been since XX/XX/XXXX this is ridiculous .. have a great day. I can forward all the messages and images over a monyhs worth proving everything stated here is XXXX percent true.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: MS

Complaint narrative:
Validation of Debt Request - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2025, I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sealed Case ( XXXX XXXX XXXX ) from XXXX using financing through Affirm. The item was explicitly advertised as a sealed case. When the item arrived, the factory shrink wrap had already been opened, meaning the product was not in the sealed condition described at the time of sale. Although the XXXX XXXX box had a XXXX verification sticker, it was the only box that had XXXX, and the factory shrink wrap was already opened upon delivery. This condition directly contradicts both the listing description and written confirmation I received from a XXXX XXXX. I received an email from a XXXX XXXX named XXXX confirming that the verification process for the XXXX XXXX box does not involve cutting the factory shrink wrap. Therefore, the opened shrink wrap on the item delivered is inconsistent with the merchants own stated verification process. I promptly contacted Affirm and opened a dispute, providing photos of the opened packaging and the written email confirmation from the merchant. Despite submitting this evidence demonstrating that the item was not as described, Affirm failed to properly investigate the dispute and did not adequately consider the documentation provided. As a result, the financing remains tied to a product that was misrepresented and delivered in a condition inconsistent with both the listing and the merchants own verification explanation. I am requesting that Affirm conduct a proper investigation of the evidence submitted and correct the dispute outcome accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: NC

Complaint narrative:
I have been with chime over XXXX years, in the past XXXX years I've had reoccurring charges that I've contacted them about and also requested new cards in attempt to stop the unauthorized transactions. It is still to this day XX/XX/XXXX still an issue and I have charges going all the way back to XX/XX/XXXX. Nothing I have done in contact with Chime is stopping this there is now close to {$500.00} in charges. I had disputed the charges with chime being over XXXX transactions they only had a record of XXXX when the denial came back. The denial was a week ago I had requested another new card just in XXXX and have used it XXXX times at an ATM to make a withdrawal and again they are taking the money from my account. They run transactions for random amounts until they are able to pull what available money I have in my account. Just today shpptct charged {$15.00} then {$8.00} then {$5.00} and were able to get the {$5.00} from my overdraft. The XXXX XXXX is rude, uninformative and inattentive to the needs of working people. I can't even let my direct deposit sit in my bank account I have to send it to someone else 's or withdraw it all in cash. And then they pull from my overdraft. It is causing me to financially XXXX and I need it to stop. I can't close the account at the moment because that's where my taxes were being direct deposited and I also filed them through chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
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 : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Capital Solutions, LLC
State: TN

Complaint narrative:
Hey, my name is XXXX XXXX. I used to be a member of XXXX XXXX and I was trying to pay my negative balance off but XXXX XXXX told me that another debt collector picked up my account. The debt collector is relent. after talking to relent, they gave me a payoff balance of {$630.00}. I asked can I see the transactions to the curve for my account to be in a XXXX they told me I have to talk to XXXX XXXX. I called XXXX XXXX and XXXX. XXXX told me that the balance that is due is $ XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am filing this complaint because Bank of America failed to conduct a reasonable investigation into a credit card dispute. They rubber-stamped a merchant 's false rebuttal and ignored the written evidence I provided. I bought a ceiling fan from XXXX for {$260.00} on XX/XX/year>. The merchant 's website advertises a XXXX return policy with no restocking fee. The XXXX was delivered on XX/XX/XXXX. I emailed them XXXX days later on XX/XX/XXXX to return the item. The fXXXX is brand new and unopened. The merchant refused to issue a Return Merchandise Authorization ( RMA ) and stopped responding to my emails. I filed a dispute with Bank of America. I uploaded the receipt, the XXXX policy, and the email chain showing the merchant ignoring my return request. Bank of America denied my claim on XX/XX/XXXX. Their stated reason was that I did not provide a return tracking number. You can not get a return tracking number if a merchant refuses to authorize the return and give you an address to ship it to. Bank of America relied on the merchant 's portal response. In that response, the merchant stated the item was " outside of our return policy ''. Their own uploaded FedEx receipt proves delivery on XX/XX/XXXX. My uploaded emails prove I asked for a return on XX/XX/XXXX. Bank of America ignored the timeline and my evidence. They allowed a merchant to keep {$260.00} by refusing to process a valid return. I want Bank of America to reopen this claim, read the actual documents, and issue a permanent credit to my account.

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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
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 30 days : XXXX. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 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: AR

Complaint narrative:
On XX/XX/year> my Cash App account was hacked or broken into and {$6800.00} was removed out my knowledge or authorization. My account was charged over XXXX times by the same merchant within a XXXX hour window. The increments were {$100.00} and {$300.00} adding up to XXXX total. I immediately called Cash App reported it to them. They canceled my card. The lady I spoke with told me to file a dispute once the charges have left the pending stage once they were completely clear, then followed dispute, so thats what I did the next day I filed a dispute on all the charges. Cash app denied my dispute. I called back. I asked them what else I needed to do. They told me to file an appeal on all those disputes so I appealed all the disputes cash app came back and denied the appeals. I called back to Cash App ask them why am my stuff was being denied. This was obviously fraud and we need to get to the bottom of it, I requested documents on why they denied my disputes in her pills. Got nothing in return but generic emails. I provided them all the information that they asked me for to get this information and still nothing that was on XX/XX/XXXX here we are over a week later contacting them again about the same situation still get nothing in return

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Block, Inc.
State: NC

Complaint narrative:
I made a purchase using my Cash App card. The merchant later issued a refund and subsequently post-voided the transaction, which the merchant confirmed in writing. Despite the transaction being post-voided, Cash App later debited my account for the same amount, leaving my account with a negative balance. I disputed the charge and provided documentation from the merchant confirming that the transaction had been post-voided. However, the dispute was denied and the company did not explain why the debit occurred after the transaction was voided or why the documentation from the merchant was not considered. I previously filed complaints regarding this issue, but the responses did not address the central problem or explain the unauthorized debit, and the matter has not been properly resolved. As a result, the charge remained on my account and the negative balance persisted for several months without explanation or correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service
State: AL

Complaint narrative:
I contacted the IRS to figure out why I had an offset for my returned taxes. I was told there was an offset due to a debt from XXXX for a bad check I wrote for the amount of {$100.00}. The balance increased due to interest to now over {$250.00}. The treasury took $ XXXX from my refund for this which is unfair because I was XXXX years old in XXXX. They claimed I disputed this in XXXX which I dont recall ever hearing about this. I have never wrote a check to this day. Im not sure where this debt came from or where it took place. In XXXX of XXXX I was living on XXXX XXXX in XXXX XXXX, Colorado. They said the debt is from XXXX and XXXX XXXX XXXX XXXX I have attached a picture of my call and info I was provided. I also attached my drivers license to prove I was in fact XXXX years old at this time. I didnt have a checking account or any account at this age.

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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MS

Complaint narrative:
Validation of Debt Request - SOUTHWEST CREDIT SYS/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation