vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am filing a complaint against LVNV Funding LLC for reporting and attempting to collect a debt that they have failed to validate and are inaccurately furnishing on my consumer credit reports. LVNV Funding LLC is reporting this account as an original creditor. This is false. LVNV Funding LLC is a debt buyer and did not originate any alleged account with me. Additionally, another company is simultaneously reporting this same alleged debt and also claiming to be the original creditor. It is not possible for multiple entities to be the original creditor of a single account. This creates a clear inaccuracy in my credit file. I have disputed this account. LVNV Funding LLC has not provided any competent evidence showing that I opened, authorized, or am legally responsible for this debt. They have not produced any signed agreement, application, or documentation linking me to the account. Despite this, LVNV Funding LLC continues to report this account to consumer reporting agencies and/or attempt collection. A billing statement or internal record is not sufficient to establish that I owe a debt. They have also failed to provide proof of ownership of the debt, including a complete chain of assignment from the original creditor. Their actions include : - Reporting inaccurate information, including falsely identifying themselves as the original creditor ; - Failing to validate a disputed debt ; - Continuing to furnish information that can not be substantiated ; This conduct may violate the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Relief Requested : I am requesting that LVNV Funding LLC : XXXX. Immediately cease all collection activity on this account ; XXXX. Delete this account from all consumer reporting agencies ( XXXX XXXX XXXX XXXX ) ; XXXX. Correct any and all inaccurate information previously furnished ; XXXX. Provide written confirmation that this account has been removed and will not be re-reported or transferred to another entity ; If LVNV Funding LLC can not provide proper validation and proof of ownership, they should not be reporting or attempting to collect this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I sent validation letters to this company within the XXXX day time period. They ignored my letters and sent nothing as proof of validation. They continue to deny me the proof of ownership and this is on my credit report. I am requesting that this be removed off of my credit report or show proof that I am the owner of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WA

Complaint narrative:
My wallet was stolen XX/XX/year>. I saw XXXX minutes after as I was notified of charges I was not making at a XXXX XXXX XXXX terminal. The total charges that went thru before I was able to freeze all my cards is {$360.00}. Chime is denying my fraud claims and will not distribute my funds that were obtained fraudulently. I notified chime when my card was stolen, contacted police and made a police report for stolen property and fraud and they still will not give me my money back. The card used is a visa and is protected under the XXXX liability consumer protection. The person who stole my cards continued to try and use them at multiple businesses. The charges as seen below are the only ones that went thru.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Im submitting this complaint about my Wells Fargo Bank account being compromised around XX/XX/XXXX - XX/XX/XXXX with a lot of unauthorized transactions being made on my account. I was hospitalized approximately around XX/XX/XXXX due to a XXXX procedure that was major that kept we in the hospital for days at a time. I was not aware of these transactions and upon my discharge at the hospital is when I noticed all this. My phone and wallet with debit cards and ID cards were lost or stolen because I left them in my car. This was before I was hospitalized, so after I recovered I filed a police report and I also submitted this documentation to my bank to support my case. They still denied XXXX of my claims for {$490.00} and Im in need of my money for my bills. I have proof of my hospitalization and my police report that I filed.

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 2026-04-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
There are multiple material inconsistencies between Sun Loan, the credit bureaus, and the thirdparty collectors that make the alleged debt impossible to validate and legally unreliable. Sun Loans internal records, its public-facing customer portal, and the information furnished to XXXX, XXXX, and XXXX all contradict one another, and the collectors involved can not provide required validation. Sun Loans website lists the original loan amount as {$1300.00}, but all three credit bureaus report the original loan amount as {$900.00}, which is the only figure consistently reported across all agencies. Sun Loan also lists XXXX as the collection agency assigned to the account, yet XXXX confirmed they have no record of the account and can not validate any information. Despite this, XXXX is actively attempting to collect and claims the collectible balance is {$2000.00}, an amount that has not been supported by any contract, payment history, itemization, or proof of assignment. XXXX has not produced the original signed agreement, a complete accounting, or documentation showing how the balance increased from the reported {$900.00} to {$2000.00}. These discrepanciesincorrect original loan amounts, conflicting collector assignments, and the absence of legally required validationdemonstrate that the information being furnished and collected on is inaccurate, incomplete, and unverifiable. As a result, the debt can not be validated under federal or Texas law, and the reporting and collection activity is not compliant with the FCRA, FDCPA, or Texas Finance Code.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
To whom it may concern, I sent a letter requesting the validity of debt to XXXX XXXX XXXX regarding the account Transworld System IncXXXXXXXX XXXX XX/XX/year>. Federal law requires that collection agencies respond promptly within 30 days. It has now been 60 days since this company has received my letter and has failed to not only comply with the federal law but to validate this debt. This account continuing to be listed is a serious violation of the FCRA ( Fair Credit Reporting Act ). I am now requesting that you delete this item from my credit report immediately. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I would like to file a complaint against American Express for failing to honor a sign-up bonus offer associated with my XXXX XXXX XXXX XXXX Below is a summary of the situation : XX/XX/year> ( XXXX XXXX ) : I applied for an American Express XXXX XXXX XXXX and received an offer for XXXX Membership Rewards points as a sign-up bonus. The terms required that I spend at least {$20000.00} within the first three months of account approval. Following my application, I received an email from American Express requesting additional information. XX/XX/year> ( XXXX XXXX ) : I responded to the email by calling the number provided ( XXXX ). During the call, a customer service representative informed me that additional verification was needed because my business is registered in Wyoming while I listed a Georgia home address on my application. During this same call, I explicitly asked whether I got the XXXX sign-up bonus, and the representative confirmed that I did. XX/XX/year> : I contacted American Express customer service again and spoke with representatives ( XXXX and her supervisor, XXXX XXXX. I was informed that I am not eligible for the sign-up bonus. After reviewing the recorded call from XX/XX/year> ( XXXX XXXX ), XXXX acknowledged that the representative had indeed confirmed my eligibility for the bonus at that time. Despite this acknowledgment and that I have spent over {$20000.00} on the card, both XXXX and XXXX declined to honor the offer. This situation constitutes a clear misrepresentation of the terms and benefits communicated to me at the time of application and verification. I relied on this confirmation in good faith. Therefore, I respectfully request that American Express honor the originally confirmed XXXXpoint sign-up bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
My mortgage loan was transferred from XXXX XXXX to Rocket Mortgage during an active loan modification. The loan modification covered XXXX, XXXX, and XXXX payments. We completed all required modification paperwork with XXXX, signed and notarized all documents, and XXXX confirmed the modification was approved and we were good to go. We were instructed to make the XXXX payment, which we did. After that, Rocket Mortgage still accepted another modification-related payment even though I explained the modification should already have been completed. After the loan transferred, Rocket Mortgage stated they did not have everything needed to finalize the modification on the account. From XXXX until now, they kept the account under investigation and would not allow us to make monthly mortgage payments despite our attempts to pay. Now Rocket Mortgage is demanding approximately {$9000.00} within 2 days or they say they will not honor the completed loan modification. These alleged missed payments occurred during the time they told us not to make payments due to their investigation. We dispute the delinquency because the missed payments were caused by the servicing transfer and Rocket Mortgages refusal to accept payments during the investigation. We are requesting a full payment history, written explanation of the {$9000.00} demand, confirmation of the loan modification terms, and correction of the account so the modification is honored without unfair penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding the handling of my auto loan by Western Funding Inc. My loan was originated with a first payment due on the XXXX of the month in the amount of {$610.00}. I made a partial payment of {$200.00} on the XXXX, followed by a second payment of {$410.00} on the XXXX, which satisfied the full required payment amount. On today, XXXX XXXX, I was informed through a text message by someone from the dealership that my loan had been terminated. Also, I was informed by the dealership that an extension had allegedly been granted with a deadline of the XXXX ; however, I was never directly notified by the lender of any revised due date or extension terms. I did not receive any written or verbal communication from Western Funding Inc. regarding a new deadline or consequences tied to such an extension. Despite my full payment being completed, I was later told through the dealership that my loan had been terminated by the lender. I have not received any formal notice of termination, default, or right to cure directly from Western Funding Inc. I believe this situation reflects a lack of proper communication and potentially improper servicing of my loan. I made a good faith effort to fulfill my payment obligation and completed the full payment amount. I was not given clear or direct notice of any revised payment terms or deadlines.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On or around XX/XX/year>, I noticed multiple disputed transactions connected to XXXX XXXX and XXXX that I did not recognize or that did not match what I intended to authorize. The total disputed activity is approximately {$2400.00}. I contacted Wells Fargo and opened a card claim, Claim # XXXX. I also reported a lost XXXX XXXX during the same timeframe and submitted documentation showing the device was reported lost. In addition, I contacted XXXX regarding the disputed XXXX transactions. XXXX responded that they were unable to match the transactions to my account based on the information provided. I submitted supporting documentation to Wells Fargo, including the XXXX response and the XXXX documentation. I am concerned that Wells Fargo may deny the claim without fully reviewing the merchants response, device security issue, transaction timestamps, authorization records, and account access information. I am requesting that Wells Fargo conduct a complete and fair investigation before making a final determination. Specifically, I am asking Wells Fargo to review whether the XXXX XXXX and XXXX transactions were properly authorized, whether the merchant could verify the transactions as belonging to my account, whether there were any duplicate or irregular transactions, and whether the documented lost device may have contributed to unauthorized activity. I have attempted to resolve this directly with Wells Fargo by opening a claim and submitting documentation, but I am escalating this complaint because the disputed amount is significant and I need assurance that all evidence is reviewed carefully before a decision is made since they have denied all my past claims through the years being a customer.

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 2026-04-28 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Starting XX/XX/year> we incurred a water leak in part of our house due to extended freeze weather that broke a water pipe coming into house. The process of working with the XXXX people and the reservation company they sent to repair the damage has Carrington Mtg SetviceXXXX XXXX XXXX XXXX XXXX XXXX constantly sendi g checks for payment of repairs in our name and Carrington Mtg Service which we have to mail to them for their endorsement before payments can be paid for the repair work. The work of the repair Co has taken so long because they are located in XXXX and have a lot of work, so they only spend a few hrs when they do come. As of this date XX/XX/XXXX, it still isnt compled. Carringtons interference in the process has been an issue with us. We can never get straight answers from them, such as why did they tell XXXX XXXX XXXX to make all payment check to them and us? They have never answer our guestions about who the actual Mortgagor is in our loan. They say they get money from XXXX XXXX to pay us why isnt XXXX shown as the mortgagor?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I am filing a complaint regarding Wells Fargos mishandling of a dispute and provisional credit that resulted in a negative account balance. I reported a transaction on XX/XX/XXXX and then contacted Wells Fargo on XX/XX/XXXX to cancel the claim after confirming the charge was not fraudulent. I was told at that time that since no provisional credit had been issued, the claim would be canceled and no credit would be applied. Despite this, Wells Fargo issued a provisional credit on XX/XX/XXXX after the claim had already been canceled. I contacted Wells Fargo again on XX/XX/XXXX and requested that the credit be reversed immediately, but no action was taken. On XX/XX/XXXX, Wells Fargo reversed the provisional credit without providing any advance notice, which caused my account to become negative. This issue was caused entirely by Wells Fargo issuing a credit after the claim had been canceled and failing to correct the error when I reported it. The delayed reversal without notice created financial hardship and should not have occurred.

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 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I am filing this complaint against the debt collector identified in connection with an account that was reported to my credit file. On XX/XX/year>, I received an alert from XXXX notifying me that a collection account had been placed on my credit report. This alert was the first and only notice I have ever received regarding this alleged debt. At no point prior to this collection appearing on my credit report did the debt collector contact me, by mail, phone, email, or any other means, to provide the validation notice required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Specifically, I never received any communication containing : - The amount of the debt, itemized by principal, interest, fees, and payments/credits applied ; - The name of the creditor to whom the debt is currently owed ; - The name of the original creditor, if different ; - The name and mailing address of the debt collector ; - A statement of my right to dispute the debt within XXXX days of receiving the notice, and that the debt will otherwise be assumed valid ; - A statement of my right to request verification of the debt and the name and address of the original creditor in writing. Reporting a collection account to a consumer reporting agency before sending a compliant validation notice, and without giving the consumer any opportunity to dispute or request verification, is a clear violation of the FDCPA. It is also a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, to furnish information that the furnisher knows or has reasonable cause to believe is inaccurate or that the consumer has had no opportunity to challenge. I am formally requesting the following relief through this complaint : 1. Full validation of the alleged debt, including the original signed agreement, a complete itemized accounting of the balance, documentation of the chain of assignment from the original creditor. 2. Immediate removal ( deletion, not merely an update or 'disputed ' notation ) of this collection tradeline from all three major credit reporting agencies, Equifax , Experian, and TransUnion , until and unless the collector can produce a fully compliant 1692g validation notice. 3. Cessation of all further collection activity on this account until validation has been properly provided, as required by 15 U.S.C. 1692g ( b ). I am prepared to escalate this matter further, including filing complaints with my state attorney general and pursuing my private right of action under the FDCPA, if these violations are not promptly cured. I appreciate the CFPB 's assistance in obtaining a timely and substantive response from the debt collector.

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