vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 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: CITIBANK, N.A.
State: CA

Complaint narrative:
So I filed a dispute with my credit card company based on a purchase I made from a merchant. On XX/XX/year>, XXXX, I emailed Citi 's disputes department requesting ( Under the Fair Credit Billing Act FCBA ), formally requesting a copy of all " compelling evidence '' submitted by the merchant in order to win the dispute. Based on a phone call with citi 's dispute department ( Reference # XXXX ) on XX/XX/XXXX, they said they would send me the evidence, but it would take XXXX hours. However, after XXXX hours passed, I did not receive the evidence - therefore, city failed to comply with the procedural requirements under the law of the XXXX. I have attached a PDF file which is correspondence I have had with the merchant trying to resolve the issue and it clearly indicates and displays the lack of involvement from the merchant. They essentially ignored my follow up emails asking for them to provide me with an update. I have also attached a screenshot of the email I sent to city cards dispute, and Billings department with time stamps requesting the information that I am required by law under the XXXX. Under XXXX CFR XXXX ( f ), Pursuant to XXXX XXXX. XXXX ( XXXX ), a creditor who fails to comply with the procedural requirements of the XXXX forfeits its right to collect the disputed amount and any related finance charges, regardless of whether a billing error actually occurred. Furthermore, please be advised that under XXXX XXXX. XXXX, a creditor who fails to comply with any requirement of the XXXX is liable for actual damages, twice the amount of any finance charge ( up to {$5000.00} ), and reasonable attorney 's fees.

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 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
LVNV Funding LLC is attempting to collect and report a credit card debt that I dispute and that has not been properly validated. I filed a formal Answer in XXXX XXXX XXXX XXXX XXXX ( Case XXXX ) on XX/XX/year> denying ownership, standing, contract, and amount. Since that time, LVNV has taken no further action to pursue the case or provide any evidence supporting the alleged debt. I have requested validation of this debt, including proof of ownership, a valid contract, and an itemized accounting of the balance. LVNV has not provided any documentation. Despite this, they continue to report the account as valid and attempt to collect, and the balance has been inconsistent over time. This reporting is inaccurate and misleading. I request deletion of this account and that collection activity cease until proper validation is provided. Here is a copy of the exact answer letter they have not responded to IN THE GENERAL SESSIONS COURT OF XXXX XXXX, TENNESSEE LVNV FUNDING LLC Plaintiff, v. XXXX XXXX XXXX. XXXX XXXX. : XXXX XXXX XXXX XXXX XXXX, appearing pro se, answers the Complaint as follows : XXXX. Defendant denies each and every allegation contained in the Complaint and demands strict proof thereof. XXXX. Defendant denies that Plaintiff has standing to bring this action and denies that Plaintiff is the lawful owner of the alleged account. XXXX. Defendant denies that Plaintiff has produced admissible evidence establishing a valid assignment of the specific alleged account from the original creditor to Plaintiff. XXXX. Defendant denies that the amount claimed is accurate, owed, or supported by a complete and admissible accounting. XXXX. Defendant denies that Plaintiff has produced a valid contract or agreement establishing Defendants liability for the amount claimed, including any interest, fees, or other charges. XXXX. Defendant denies that Plaintiff has established accrual of the claim, including the date of last payment, default, or charge-off. XXXX. Defendant reserves the right to assert any and all defenses available under Tennessee law, including but not limited to lack of standing, failure of proof, and evidentiary deficiencies. WHEREFORE, Defendant respectfully requests that the Complaint be dismissed with prejudice and for such other relief as the Court deems just and proper. Respectfully submitted, XXXX XXXX XXXX, Pro Se XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX Phone : ( XXXX ) XXXX Dated ; XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
My checking account and debit card were compromised in XX/XX/XXXX and had to be replaced. Because my student loan autopay was connected to that account, payments were unintentionally interrupted without my knowledge during the transition period. As soon as I discovered the issue, I immediately brought the account current. This resulted in a XX/XX/XXXX XXXX late payment being reported even though I have maintained a long history of on-time payments since XXXX and continued making voluntary payments during the XXXX payment pause when payments were not required. The remaining balance on this loan is very small and I am in the process of paying it off completely. I am requesting reconsideration of the XX/XX/XXXX late payment reporting because it resulted from a documented bank account compromise that interrupted autopay without my knowledge and does not reflect my normal payment behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
On XX/XX/year>, I signed up to XXXX for what was supposed to be a free XXXX trial and wasn't supposed to be charged until near the end of XXXX, which I signed up just so I could watch the XXXX XXXX dub of the XXXX anime called XXXX XXXX. The plan I knowingly signed up for was the base plan with just the XXXX and XXXX XXXX for nearly {$13.00} per month. On XX/XX/year>, I was shocked to see my bank account charged for nearly {$97.00} and how this streaming provider ripped me off and put me on the Premium plan that includes XXXXXXXX XXXX XXXX XXXX in the bundle that I clearly did not sign up for in the first place. I am so livid this company can rip me off like this, or just change the plan behind the backs of their users after signing up. This company will do whatever they can to swindle their consumers. I have tried disputing this with my bank ( Wells Fargo ), and nothing has been done. We need to hold these companies accountable for defrauding their customers like this.

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 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: IA

Complaint narrative:
I am reporting Source Receivables Management for attempting to collect a XXXX debt that has already been settled and closed. I have a formal letter from the previous collection agency, XXXX XXXX XXXX XXXX XXXX, stating the account is closed and a deletion request was sent to the credit bureaus. When I contacted XXXX to provide this proof, the representative stated they 'did not care ' and continued to demand payment. This is a violation of the FDCPA regarding the collection of a debt not owed and a failure to honor a valid dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX regarding their handling of a fraud dispute on my account. I reported multiple transactions as unauthorized and requested an investigation. XXXX concluded that they could not determine fraud occurred, primarily because I had made a payment on the account and the time disputed. I dispute this reasoning. A payment on the account does not indicate authorization of the transactions. Payments XXXX be made to avoid late fees, maintain account status, or due to automatic payment settings, and should not be used as evidence that charges are valid. XXXX has failed to provide any documentation or proof showing that I authorized these transactions. I have requested evidence such as transaction verification, IP address or device data, merchant receipts, or any other supporting documentation, but none has been provided. I am requesting that XXXX : XXXX. XXXX a proper reinvestigation of the disputed charges XXXX. Provide all documentation used in their decision XXXX. Remove any charges that can not be verified as authorized by me I believe XXXX has not fulfilled its obligations under the XXXX Credit Billing Act to conduct a reasonable investigation. I am seeking a fair resolution and correction of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Subject : URGENT : Identity Abuse, Systemic Risk Failure, and Fraudulent Over-Limit Debt ( Account ending in XXXX ) To the Consumer Financial Protection Bureau, I am filing a formal complaint against Capital One regarding account ending in XXXX. I am the primary cardholder, and I have been a victim of financial abuse enabled by the bank 's gross negligence, resulting in a fraudulent balance of {$12000.00} on a {$6500.00} limit. XXXX. Account Hijacking and Lack of Transparency : The authorized user ( XXXX XXXX XXXX XXXX established this account using his own phone number and email address, effectively " blinding '' me to all account activity. As the primary cardholder legally responsible for the debt, I never received a single statement, over-limit alert, or fraud notification. Capital One failed its security protocols by allowing an authorized user to control all communication channels, preventing me from discovering this abuse for months. XXXX. Gross Negligence in XXXX XXXX XXXX : My contractual credit limit is {$6500.00}. However, Capital One allowed the authorized user to charge multiple recurring transactions of {$3800.00} each ( Merchant : XXXX XXXX XXXX XXXXXXXX XXXX ). These charges pushed the balance to nearly 200 % of my limit. Capital One failed to block these excessive transactions at XXXX XXXX of sale and failed to seek my consent for such a massive extension of unsecured credit. XXXX. Failure to Act on Fraudulent " Bust-out '' Activity : The banks records show a massive red flag : a fraudulent payment of {$10000.00} was made on XX/XX/XXXX and subsequently returned on XX/XX/XXXX ( XXXX XXXX ). This is a classic " bust-out '' tactic used to artificially reset a credit line. Despite this obvious fraud indicator, Capital One failed to freeze the account immediately, allowing the debt to spiral further. The bank only " suspended '' the account after the damage exceeded {$12000.00}, which was far too late. XXXX. Interest and Liability Dispute : The bank is currently charging over {$300.00} in monthly interest on a balance that resulted from its own failure to enforce credit boundaries. I am only responsible for my legitimate personal usage, which is less than {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
CAINE & WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE & WEINER is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi please help me I need to pay my car loan and my car insurance today Today XX/XX/year> XXXXXXXX XXXX XXXXXXXX going to Chase Bank XXXX XXXX XXXX XXXX NY XXXX XXXX take from home XXXXXXXX XXXX XXXXash to deposit to my checking account # XXXX XXXX go inside to the bank and use 1 of 3 ATM machine to deposit I put my XXXXXXXX XXXX each bill XXXX $ in ATM machine but something was wrong with ATM and was error on screen and my cash deposit not going to my account number and ATM took my cash and not giving me back ATM machine just give me receipt with : To be sure your deposit went through please call XXXX XXXX calling this number Im spoke with Chase Bank representative and explain what happened and I need to pay my bills today but they dont help me and dont resolve my issue with cash deposit Please Help Thank you And all teams in this Chase Bank XXXX and dont understand customer last couple weeks XXXX XXXX all teams in this Bank refused to XXXX my debit card XXXX going to different Chase Bank location XXXX XXXXXXXX XXXX they replaced my card with no any problem

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
PayPal has been holding {$1000.00} of my money since XX/XX/year>. It has been over the XXXX day hold. This money is for an event that the payors paid to have a table at. There is no physical item to send them. I need these funds released immediately! They don't respond and there are no actual people to talk to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: AZ

Complaint narrative:
I am a victim of identity theft, and the account that National Credit Adjusters LLC is attempting to collect under reference number XXXX is fraudulent. I did not open, authorize, or benefit from this account in any way. I submitted a full dispute through their website, including my FTC Identity Theft Report, proof of identity, and all required documentation. Despite being notified that this account is the result of identity theft, National Credit Adjusters continues to report and attempt to collect on this fraudulent debt. This violates multiple federal laws, including : FCRA 605B, which requires the furnisher to block and permanently delete all identitytheftrelated information within four business days of receiving an identity theft report. FCRA 602A, 611, and 623, which require accurate reporting and a reasonable investigation, and prohibit the reporting of information known or believed to be fraudulent. FDCPA 807 and 808, which prohibit false representations of a debt and unfair or abusive collection practices, including attempting to collect a debt that is not owed. I am requesting that the CFPB require National Credit Adjusters LLC to : Immediately and permanently delete account # XXXX from all consumer reporting agencies and from their internal systems under FCRA XXXX. Immediately terminate all collection activities, including calls, letters, emails, and any thirdparty contact. Provide written confirmation that this account has been deleted and will not be reinserted or reported again. Guarantee that this fraudulent tradeline will not be sold, transferred, reassigned, or placed with any other collection agency now or in the future. Notify all credit bureaus that the account is the result of identity theft and must be removed. I have acted in good faith, provided all required documentation, and followed all legal procedures. National Credit Adjusters has failed to comply with federal law, and their continued reporting and collection attempts are harming me and violating my rights as an identitytheft victim. I am requesting the CFPBs immediate intervention to enforce compliance and ensure permanent deletion of this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: NC

Complaint narrative:
Over XXXX year ago, a residential property sustained a loss requiring mitigation services. My company, XXXX XXXX XXXX XXXX XXXX, was retained to perform mitigation work beginning in or around XXXX of last year. Initial mitigation services were performed at that time, and additional work was later completed as the scope of loss was addressed and progressed in coordination with the insurance claim. All mitigation work was ultimately completed between XXXX and XXXX of last year in accordance with XXXX XXXX industry standards. The total outstanding balance for completed services is approximately {$34000.00}, excluding accrued interest. All requested documentation has been submitted to LoanCare multiple times, including invoices, completion confirmations, and supporting documentation. Despite this, LoanCare has failed to release the insurance claim funds associated with this loss. Throughout this process, I have made repeated attempts to obtain information and resolution. Each time, I have been told that representatives can only submit requests, with no specific department or individual taking responsibility for resolving the issue. No clear point of contact, timeline, or explanation has been provided. Most recently, an inspection was scheduled and then abruptly canceled without explanation. No justification or rescheduling timeline has been provided. As a result of these delays : The homeowner has been displaced from the property for over one year The homeowner has continued paying their mortgage while unable to occupy the home My company remains unpaid for completed services This situation has extended far beyond a reasonable processing timeframe and reflects a failure in LoanCares handling of insurance disbursement and escrow-related processes. I am requesting : 1. Immediate explanation for the canceled inspection 2. Assignment of a responsible representative or department 3. Immediate release of funds for completed services 4. Clarification regarding responsibility for interest accrued due to the prolonged delay This matter involves delayed insurance disbursement tied to completed mitigation work and escrow handling.

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