vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am filing this complaint against RESURGENT / LVNV FUNDING regarding the reporting of an alleged debt that has not been properly substantiated and is being reported inaccurately. The account appears on my consumer report as follows : Account Name : RESURGENT / LVNV FUNDING Account Number : XXXX Account Type : Debt Buyer / Collection Date Opened : XX/XX/XXXX Balance : {$410.00} Status : Collection account reported as {$410.00} past due as of XX/XX/XXXX I dispute this account in full. This account is being reported in a manner that is misleading. A collection account is not an active account with a scheduled payment obligation, yet it is being reported as past due, which creates the false impression of an ongoing delinquency. Furthermore, this company has failed to establish that I have any legal obligation to pay this alleged debt. To date, I have not been provided with : The original contract bearing my wet signature Any documentation demonstrating a complete and lawful chain of assignment Proof that RESURGENT / LVNV FUNDING is licensed to collect debt in the State of Georgia Any evidence supporting their authority to report this account under permissible purpose Despite the absence of this required documentation, the account continues to be reported, which is causing harm to my credit profile. This conduct raises serious concerns regarding the accuracy and legitimacy of the information being furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I am submitting this complaint regarding Barclays Bank Delaware and its handling of a fraudulent transaction dispute on my Barclays AAdvantage Aviator Red Mastercard. On or about XX/XX/year>, my wallet was stolen. The wallet contained my Barclays credit card, along with other financial cards. I did not have possession of my Barclays card at the time the disputed transactions occurred. After discovering the theft, I identified the following unauthorized transactions on my account : XX/XX/year>XXXX XXXX XXXX XXXX XXXX {$360.00} XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX {$110.00} XX/XX/year> XXXX XXXX XXXX XXXX XXXX {$100.00} These charges total {$590.00} and were not authorized by me. I did not participate in or benefit from these transactions. Barclays has denied or is disputing my fraud claim based on an alleged statement that I had possession of my card at the time of the transactions. This is incorrect. At no point did I knowingly or intentionally state that I had possession of my card after my wallet was stolen. Any such assertion is either a misunderstanding, mischaracterization, or documentation error on the part of Barclays. To be clear : My wallet, including my Barclays card, was stolen on or about XX/XX/year>. I did not have possession of the card when these transactions occurred. I did not authorize these transactions. Additionally, I have filed a police report documenting the theft and the resulting fraudulent use of my credit card. Under the Fair Credit Billing Act ( FCBA ), I am not liable for unauthorized charges made on a lost or stolen credit card. Barclays reliance on an inaccurate or misinterpreted phone statement does not override the facts of this case or my rights under federal law.

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 2026-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Commenity bank is repeatedly autodialing and leaving voicemails on a phone number that is no longer mine and was not given to them during the credit card application process, nor thereafter, to try to collect a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I was contacted from a man stating that he needed to verify my address. When I asked for what he said that they needed to verify for the XXXX XXXX court. I said what is this for and he refused to provide innfo just that someone would be serving me papers. I said for what and he hung up. I called the number back and got someone else and realized it was a collection agency. I said what is this debt for he finally told me it was for a debt for XXXX XXXX. I tried to explain to him that was identity theft and that was removed from my credit. He said it does not matter it is not paid and someone will be coming to my house to serve me and hung up. I felt threatened as scared that I was going to get sued and not be able to dispute that the debt was removed and not mine. I had many sleepless nights over those next few weeks just waiting to get served or my wages to be garnished. Then the phone calls started and leaving the message like the worked for the court and if I did not pay. I finally had to change my phone number because they would not stop calling and making threats and trying to impersonate the court system. One I changed my number it stopped obv but I went to pull my credit and found the debt that was once removed from all three credit bureaus now it is back on there and dragging down my score. So if it wasnt enough that the caused fear by making the threats and refusing to give me the info to provide the debt was not valid. Here it is affecting my life and causing me more stress. And now they are reporting that the debt was opened in XXXX and it was removed from my credit report by XXXX through a Debt dispute. The name of the agency is DRS and I will be happy to provide the necessary documents. I am in the process of getting the recording that were threatening to me and basically impersonating the court system. I will be happy to provide my original phone number that had to be changed due to me feeling harassed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
on XX/XX/year>, identified by PayPal Transaction ID XXXX, PayPal and XXXX, acting in concert through their payment processing systems, facilitated and/or failed to prevent or reverse the unauthorized withdrawal and conversion of exactly {$540.00} from my personal XXXX Simple XXXX account ( ending XXXX, debit card ending XXXX ) without my knowledge, consent, or authorization. This charge appeared through multiple merchant descriptions on the bank statement posted XX/XX/year> ( detailed below ). Despite timely notice and demand, both entities have refused to investigate, recredit, or return the stolen funds. This demand is predicated upon, and incorporates by reference, the XXXX XXXX of the land and the statutory and XXXX XXXXuthorities set forth below. My position is bulletproof against any constitutional or statutory challenge because every element of each claim is satisfied by the plain facts, the precise definitions of controlling legal dictionaries, and binding precedent that admits of no contrary interpretation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
I am filing a complaint regarding a serious mortgage servicing error involving Freedom Mortgage ( Loan # ending in XXXX ) and XXXX ( Application/Reference # ending in XXXX ). In or around XX/XX/XXXX, I began a refinance application with XXXX. I canceled this application on or about XX/XX/XXXX, and did not authorize any payoff, loan transfer, or further processing. Despite my cancellation, XXXX proceeded without my authorization and initiated a payoff request to Freedom Mortgage. Freedom Mortgage then issued a payoff check to XXXX without my knowledge or consent. During this time, I continued making my regular mortgage payments to Freedom Mortgage in good faith. Due to the unauthorized payoff activity and resulting account confusion, my payments were returned, and my mortgage was incorrectly reported as delinquent. Freedom Mortgage reported my account as late from XX/XX/XXXX through XX/XX/XXXX. XXXX representatives repeatedly assured me that the issue would be corrected and that I should not be concerned. XXXX ultimately returned the payoff funds under confirmation number XXXX, but this took an extended period of time, during which my account remained incorrectly reported. As a result of these errors : My mortgage payments were mishandled and returned Late fees were assessed to my account My credit report was negatively impacted I experienced financial harm through no fault of my own At all times, I acted in good faith and attempted to resolve this matter promptly. This situation involves : Unauthorized payoff activity Mortgage servicing errors Improper handling of payments Incorrect credit reporting I am requesting the following resolution : Immediate removal of all late fees from my mortgage account Correction of my payment history to reflect that my account was current Removal of all negative credit reporting related to XXXX XXXX Written confirmation that my mortgage is in good standing Coordination between XXXX and Freedom Mortgage to fully correct this matter On XX/XX/XXXX, I spoke with a representative in the Escalation Department at Freedom Mortgage named XXXX. I was instructed to submit my issue through the companys online system. I attempted to do so multiple times ; however, the confirmation numbers provided by the system were repeatedly rejected, and I was ultimately locked out of the system. XXXX stated that he would follow up with me either the same day or by Monday to investigate the issue. As of now, this matter remains unresolved. These additional barriers have further delayed resolution and prevented me from correcting errors that are negatively affecting my account and credit.

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 2026-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: AZ

Complaint narrative:
Issue : Disputed debt improper charges and unclear cancellation process What happened : I am disputing a debt that has been sent to collections related to a service with XXXX. I attempted to cancel my services in good faith using the same communication method the business used to communicate with me, which was via text message. My cancellation request was sent, and I received no indication that the message was not received or that this was not a valid method of cancellation. There was no bounceback message, no automated response, and no notice stating that cancellations could not be processed through that channel. I later learned that the business claims cancellations must be submitted via email only. However, this requirement was not clearly communicated in a way that would reasonably inform a consumer that a cancellation attempt through their existing communication channel would be ignored. As a result, the business continued to charge me despite my good faith attempt to cancel. These charges were then sent to a collection agency. Why I am disputing this debt : I made a clear, good faith attempt to cancel services The business failed to notify me that my cancellation attempt was not received or invalid The business continued charging me despite my cancellation attempt The cancellation process was unclear and not reasonably communicated There are multiple similar consumer complaints publicly available ( e.g., XXXX ), indicating this may be a pattern of behavior What I am requesting : That this debt be considered invalid and removed from collections That any reporting related to this account be prevented or removed from credit reporting agencies That the business and collection agency provide full validation of the debt, including clear documentation of cancellation terms and proof they were properly disclosed Additional information : I have already disputed this debt directly with the collection agency. I am seeking a fair resolution and believe the businesss cancellation process is misleading and has resulted in improper charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Klarna AB
State: OK

Complaint narrative:
Klarna presented the application process as if I was already approved for monthly payments. Multiple screens stated or strongly implied approval, and at no point was it clearly disclosed that this was only a pre-approval or that approval was still pending. Because of this deceptive presentation, I proceeded through extremely invasive verification steps, including providing my Social Security number, bank login, bank records, drivers license, and a facial scan. Only after completing all of these steps did Klarna deny the application. Had I known I was not actually approved, I would never have provided this level of intimate personal information. No legitimate lender requires this depth of data before approval, and it is not normal business practice. Klarna should not be allowed to collect or sell such sensitive data under misleading pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XX/XX/XXXX Account was opened at the XXXX XXXX branch, I worked with XXXX XXXX to open the account, I handed him the promotional card I got in the mail to take advantage of the {$320.00} promotional offer ( {$320.00} for {$1000.00} or more in direct deposits within 90 days ). Wells Fargo checking account was opened and the promotional mailer was left with XXXX XXXX. XX/XX/XXXX Fast forward 120 days ( XX/XX/XXXX ) and I noticed that I had never received my promotion. After several conversations with call center employees ( XX/XX/XXXX XXXX XXXX who promised me, the bonus would be paid soon. Two weeks after speaking with XXXX I called the call center once again and talked with XXXX ( XX/XX/XXXX ) at which time he informed me that I didnt meet the qualifications to receive the promotional offer. I questioned XXXX, and he proceeded to inform me at I was signed up for the {$400.00} promotion ( {$400.00} for {$3000.00} or more in direct deposits within 90 days ) I had no idea this offer was available, and therefore I wasnt working towards it. XXXX suggested I reach out to the branch. Connected with XXXX / XXXX at the XXXX XXXX branch on XX/XX/XXXX and a complaint was filed ( XXXX ), case XXXX XXXX XXXX XXXX XXXX. Finally, I heard from XXXX on XX/XX/XXXX with a very poor explanation and he wouldnt listen to me about how I was erroneously enrolled into the incorrect promotional offer by the banker at a Wells Fargo branch. Im simply requesting that you take one last look at all the facts present in this document and consider honoring the {$320.00} bonus I have been cheated due to an error outside of my control when opening the account back on XX/XX/XXXX. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX Beginning XXXX XXXX XXXX XXXX begin to get overly frustrated with the lack of response from Well Fargo and calling XXXX XXXX daily basis : XXXX - XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Finally on XX/XX/XXXX I get a call back from my case manager XXXX with a XXXX poor response and he is calming Wells Fargo never sent me a mailer. XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am filing a complaint regarding the reporting practices of CREDIT COLLECTION SERVIC and the accuracy of an account currently appearing on my consumer report. The account is listed as follows : Account Name : CREDIT COLLECTION SERVIC Account Number : XXXX Account Type : Collection Date Opened : XX/XX/XXXX Balance : {$540.00} Status : Collection account reported as {$540.00} past due as of XX/XX/XXXX I do not acknowledge this account as valid and am requesting proper verification. The way this account is being reported raises concerns about accuracy and compliance. A collection account does not represent an active line of credit with scheduled payments, yet it is being reported as past due, which inaccurately suggests an ongoing payment obligation. Additionally, I have not been provided with sufficient documentation to support this reporting. I have not received : Any signed agreement bearing my wet signature or contract linking me to this obligation Documentation identifying the original creditor and transfer of the account Evidence of the companys authority to collect in my state Any records supporting their right to furnish this information Without this information, the legitimacy and accuracy of this account can not be confirmed. Continued reporting under these conditions raises concerns under the Fair Credit Reporting Act, particularly regarding the obligation to ensure maximum possible accuracy, as well as the Fair Debt Collection Practices Act concerning validation of alleged debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
Validation of Debt Request - CREDIT COLLECTION SERV - XXXXXXXX XXXX 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 : 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
I am filing this complaint against CREDIT SYSTEMS INTERNATIONAL regarding the reporting and attempted collection of an alleged debt that has not been properly verified. The account is being reported as follows : Account Name : CREDIT SYSTEMS INTERNATIONAL Account Number : XXXX Account Type : Collection Date Opened : XX/XX/XXXX Balance : {$95.00} Status : Collection account reported as {$95.00} past due as of XX/XX/XXXX I dispute this account in its entirety. This account is being reported in a misleading and inaccurate manner. A collection account is not an active account with scheduled payments, yet it is being reported as past due, which falsely suggests an ongoing delinquency. Additionally, CREDIT SYSTEMS INTERNATIONAL has failed to provide any competent evidence that I have a legal obligation to pay this alleged debt. To date, I have not received : Any original contract bearing my wet signature Any documentation showing a lawful chain of assignment Any proof that this company is licensed to collect debt in the State of Georgia Any documentation establishing a permissible purpose to report this account Despite the absence of this required documentation, the company continues to report this account and damage my credit profile. These actions raise serious concerns under federal law, including the requirement to report accurate information and to properly verify disputed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Revenue Corporation
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation XXXX XXXX XXXX XXXX XXXX ( b ) ( XXXX ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 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 : 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 2026-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Bank of America/XXXX XXXX opened a credit card account without my explicit consent while I was purchasing a flight. I am currently in XXXX and they are intentionally obstructing the closure of this account by disabling online messaging

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