vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: MN

Complaint narrative:
Company attempted to collect debt never received a detailed bill, purchase agreement, dates regarding dispute. Only made aware after credit score took a hit company never made an attempt for me to validate and dispute this account since I have no bill or obligations to the receivable management services and so I was unaware this was an collection from a debt collector, I reached out to company and they have failed to provide documentation about this debt I have not heard anything from this company so they should remove account from record.

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 2026-05-13 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: ID

Complaint narrative:
The agency and collection agency are wrongfully attempting to collect a debt for which I am not legally responsible. A formal court order ( divorce decree ) dictates that my ex-spouse is responsible for the obligation. I have previously provided information to the agency and collector and asked for a cease and desist, yet they continue to contact me, in violation of the FDCPA. I formally dispute this debt and demand that the agency cease all communication and collection efforts toward me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: OH

Complaint narrative:
I am filing this complaint against Resurgent Capital Services, LP and LVNV Funding LLC regarding multiple alleged debts that I dispute in their entirety. I have exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, by sending written debt validation requests disputing these alleged accounts and requesting competent documentation proving that I am legally responsible for the debts being claimed. Despite multiple written requests, the companies have failed to provide proper validation. Instead, they have merely sent generic account statements and insufficient documentation that do not establish : That I entered into a contractual agreement with the alleged original creditors That LVNV Funding LLC legally owns the alleged accounts That Resurgent Capital Services has authority to collect the alleged debts That the balances being claimed are accurate That I am legally responsible for the alleged accounts These actions appear to violate multiple provisions of the FDCPA, including but not limited to : 15 U.S.C. 1692g ( b ) Failure to properly validate disputed debts 15 U.S.C. 1692e False or misleading representations 15 U.S.C. 1692e ( 8 ) Communicating inaccurate credit information and/or failing to properly report accounts as disputed 15 U.S.C. 1692f Unfair collection practices Additionally, continued credit reporting of disputed accounts without proper investigation may violate the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681s-2. I am requesting that Resurgent Capital Services and LVNV Funding LLC immediately : Cease collection activity on disputed accounts until proper validation is provided Provide competent documentation establishing legal ownership and liability Correct or delete any inaccurate credit reporting related to disputed accounts Mark all disputed accounts appropriately as disputed with all credit reporting agencies Please note that these matters are also being reviewed for possible legal action and potential violations of Ohio consumer protection laws. I request a full investigation into these practices. I can provide all correspondence if requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: FinCo Services Inc DBA Current
State: MS

Complaint narrative:
There was a few unauthorized charge on my account and I submitted a report and provided to the bank and they did not do anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Account PROCOLLECT INCXXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide XXXX Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

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 2026-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank has been contacting me daily for several months using prerecorded and/or automated collection calls. Despite my attempts to stop the calls, the contact has continued repeatedly and has become excessive and disruptive. I am filing this complaint because I want the calls to stop and believe the continued automated contact may violate consumer protection laws.

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 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is a fraudulent inquiry reporting on my credit report that i did not make. I have never applied for these line of credit nor authorized anyone to do so.

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 2026-05-13 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Optio Solutions, LLC
State: TX

Complaint narrative:
Account Qualia Collection Services # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Incident Report : Unauthorized Account Access and Fraud XXXX XXXX XXXX XXXX ( XXXX ) : Between XX/XX/XXXX and XX/XX/XXXX, my Navy Federal Credit Union ( NFCU ) and XXXX accounts were compromised in a two-part fraud scheme, resulting in unauthorized transfers totaling {$5400.00}. Date Event Description XX/XX/XXXX An unknown actor gained unauthorized online access to my XXXX account and transferred over {$3300.00} out of my linked NFCU account. I immediately notified both NFCU and XXXX and filed formal disputes. XX/XX/XXXX I received a phone call from an individual falsely claiming to represent the NFCU Fraud Department. The caller stated they were blocking a fraudulent login attempt from XXXX and offered to help recover the funds stolen on XX/XX/XXXX. XX/XX/XXXX ( Continued ) Under the guise of securing my account and deactivating my current card, the caller guided me through a password reset. This granted them simultaneous access to my NFCU mobile app. XX/XX/XXXX ( Continued ) While inside my account, the scammer filed multiple false claims to generate immediate provisional credits, creating the illusion that my missing funds were being successfully recovered. XX/XX/XXXX ( Continued ) The scammer then requested a new digital debit card on my account, asked me to verify the card details, and immediately used the information to transfer {$2100.00} to a XXXX account. The caller disconnected immediately after the transfer cleared. Financial Impact Summary Platform Used Destination Amount Stolen XXXX Unknown {$3300.00} NFCU XXXX XXXX XXXX {$2100.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
A XXXX transaction connected to my Chase Bank account resulted in funds being sent to the incorrect recipient / wrong account by mistake. After discovering the error, I immediately contacted Chase Bank and XXXX and requested that the transfer be investigated and the funds recovered. I reopened the dispute and requested escalation after learning the funds had not been returned. I believe the recipient became aware the funds were not intended for them but retained or withdrew the money instead of returning it. I requested documentation of the investigation, recovery efforts, and assistance recovering the transferred funds. However, I have not received a satisfactory resolution from Chase Bank or XXXX. I am requesting a full review of the transaction, the dispute handling process, and all recovery efforts related to the mistaken transfer. I am also requesting reimbursement or assistance recovering the funds if recovery remains possible. I have screenshots, transaction records, dispute information, and supporting documentation available.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
Midland Credit Management continued collection/litigation on a disputed XXXX XXXX XXXX account despite unresolved issues with ownership support, balance calculation, APR figures, and default classification. I repeatedly requested validation, a payoff ledger, itemized balance breakdown, interest methodology, and account-level documentation. XXXX later offered payment terms but refused to provide a reconciled accounting, stating there was nothing further to provide. A later mailed packet asserted {$25000.00}, materially higher than prior figures, and included inconsistent interest rates of 25.62 % and 21.51 % without explaining which rate applied or how the amount was calculated. I am requesting CFPB review of these collection and verification practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
I request that this inquiry be permanently removed from my consumer credit reports unless Barclays Bank US can produce competent documentary evidence establishing lawful authorization and permissible purpose consistent with 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 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NY

Complaint narrative:
I opened a Chime checking account and a secured credit card. Chime sent me both cards, but I was unable to activate them. When I called customer support to resolve the issue, I was not provided with any explanation for why my account was closed and received no guidance on next steps. I have not received any notice or documentation about the closure, and I can not access the funds or services associated with the account. I am requesting a full explanation for the account closure and any actions necessary to recover my funds or reinstate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
As a result of a recent data breach, my personal identifying information was compromised and used without my authorization. Consequently, unauthorized accounts, unfamiliar credit inquiries, and incorrect late payment records have appeared on my credit reportnone of which I opened, approved, or recognize. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am formally requesting a full reinvestigation of these accounts and inquiries. I ask that any information found to be inaccurate, unverifiable, or fraudulent be permanently deleted from my credit file. Enclosed is supporting documentation, including an Identity Theft Report, to aid in your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
The following accounts appears on my EARLY WARNING CONSUMER REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX I am requesting the following information be deleted from my EARLY WARNING CONSUMER REPORT immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX, I deposited a check from my job, and the next day, Citibank said that my account was fraud due to the check and closed it. Citibank stated that it would close in 30-60 days, and then I would receive the funds in the account by mail. 60 days from XX/XX/XXXX is XX/XX/XXXX. Today is XX/XX/XXXX, and I still have not received my check in the mail. I have called and called, but am not getting any help.

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 2026-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I am disputing a collection account being reported by CREDIT COLLECTION SERV for an alleged debt from HIGH POINT SAFETY in the amount of {$420.00}. I requested validation and verification of this account, including a signed agreement, payment history, proof the company has authority to collect, and documentation proving the account belongs to me. The company failed to provide adequate verification of the debt yet continues reporting the account to the credit bureaus. I believe this reporting is inaccurate and violates the Fair Credit Reporting Act because the account has not been properly verified. This inaccurate collection account is negatively affecting my credit profile and ability to obtain financing. I am requesting a full investigation and deletion of the account from all credit reporting agencies if the company can not provide proper validation and documentation supporting the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am disputing the accuracy and completeness of an account being reported by Portfolio Recovery Associates , LLC regarding a XXXX XXXX account ending in XXXX. I requested validation and documentation supporting the account, including the date of first delinquency, complete payment history, an itemization of the balance, and proof that Portfolio Recovery Associates has the legal right to collect and report this debt. In response, Portfolio Recovery Associates sent a letter dated XX/XX/XXXX stating that they completed their investigation. The only document they provided was a XX/XX/XXXX notice from XXXX XXXX stating that the account had been sold to Portfolio Recovery Associates. This document only confirms that the account was transferred. It does not provide the date of first delinquency, a complete payment history, documentation showing how the balance of {$990.00} was calculated, or records sufficient to verify the accuracy of the information being furnished to the credit reporting agencies. Because Portfolio Recovery Associates has failed to provide adequate documentation to substantiate the account, I am requesting that they either : Provide complete documentation verifying the accuracy and completeness of the account, including all requested records ; or Delete the account from all credit reporting agencies, including XXXX XXXX and XXXX. I have attached copies of my dispute letters, Portfolio Recovery Associates response dated XX/XX/XXXX, and the XXXX XXXX transfer notice for review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: WA

Complaint narrative:
I had a loan with Affirm for a XXXX purchase on XX/XX/year>. I returned the item on XX/XX/XXXX, and XXXX refunded the payment to Affirm. On XX/XX/XXXX, Affirm emailed me stating that they had received the refund from XXXX and would mail me a refund check within 5 days. I only found that email on XX/XX/XXXX when Affirm charged me for the first installment, which alerted me that the refund had not been properly resolved. Since Affirm made no further communication or notification after XX/XX/XXXX, I was not aware that I did not have a mailing address on file. After updating my address, I contacted Affirm to find out what had happened and why I had still been charged. Initially, I was told there was no confirmation of any refund from XXXX and that I needed to contact XXXX and/or XXXX XXXX . I did so, but XXXX confirmed that the refund had already been completed and sent, and I was directed back to Affirm regarding the unresolved issue. I was repeatedly directed back and forth between Affirm, XXXX XXXX, and XXXX while trying to determine the status of the refund and resolve the issue. At other times, Affirm representatives told me that a check had already been mailed. Because of these inconsistent statements, I believed the check may have been sent to my billing address, which had already been on file before XX/XX/XXXX. Different representatives gave me different answers each time I contacted Affirm. I had to make many phone calls, chats, and emails, and was repeatedly asked to resubmit documents and information that had already been provided. I believe multiple cases and a dispute were eventually created as a result of the confusion and inconsistent handling of my account. During my most recent conversation with Affirm, I was told that the check would now take 30 days to be issued, and I specifically requested that the dispute remain open until the refund check was actually mailed. Since that conversation, I checked my account and discovered that the dispute and related cases had been closed even though the issue has not been resolved. I also do not believe it is reasonable that I am expected to wait an additional 30 days to resolve an issue that was not caused by me, particularly after already spending substantial time and effort attempting to correct conflicting information and repeated processing issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: Winklevoss Exchange LLC
State: OH

Complaint narrative:
In XX/XX/year>, I noticed multiple fraudulent charges to my XXXX XXXX XXXX I contacted XXXX to report the fraud, and locked my credit card. After locking my card, there were additional fraudulent attempts to use my card, which were blocked. The {$490.00} fraudulent charges I reported were credited to my account, however on XX/XX/year>XXXX XXXX contacted me that my fraudulent charge disputes were denied, and that I was fully liable for all fraudulent charges. XXXX is now expecting me to pay these fraudulent charges on my current statement. I did not authorize any of these changes, which were made after my card information was stolen. Vendor Amount Posted Date Location Category XXXX XXXX XXXX XXXX {$120.00} XX/XX/year> at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$120.00} XX/XX/year> at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$110.00} XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XX/XX/year>XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Automated

Company response to consumer: Closed with explanation