vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Debt Buyer / Collection Agency Consumer : XXXX XXXX XXXX Address : XXXX, Michigan Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX, XXXX. 
Balance : {$590.00} Status : Collection / Charge-off Bureaus : XXXX XXXX XXXX  Source : 3-Bureau Credit Report What happened LVNV Funding LLC is reporting a collection account allegedly purchased from XXXX XXXX XXXX. 
The account is being reported inconsistently across consumer reporting agencies and has been verified without proof of ownership, assignment, or account-level documentation. 
LVNV is furnishing data without lawful substantiation and is misrepresenting the legal status of the account. 
Violations Federal Violations Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 623 ( a ) ( 1 ) ( A ) Furnishing information without reasonable cause to believe it is accurate. 
15 U.S.C. 623 ( b ) Failure to conduct a reasonable investigation after dispute.

15 U.S.C. 611 ( a ) ( 7 ) Failure to provide method of verification.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e False representation of the legal status of a debt.

15 U.S.C. 1692f Unfair and unconscionable collection practices.

15 U.S.C. 1692g ( b ) Continuing collection activity without validation. 
XXXX XXXX Reporting Violations ( XXXX XXXX XXXX XXXX XXXX ) Field XXXX Consumer Account Number Improper formatting / placeholder reporting Field XXXX Account Status Inconsistent classification between bureaus ( collection vs charge-off vs XXXX late ) Field XXXX Payment Rating Improper delinquency coding Field XXXX Current Balance No itemization of principal, interest, or fees Field XXXX Date of First Delinquency Improper re-aging using placement date instead of XXXX delinquency Compliance Condition Codes Failure to properly code dispute status Michigan State Violations Michigan Collection Practices Act ( MCL 339.901 339.920 ) Attempting to collect without legal right Misrepresenting the legal status of the debt Failure to provide proof of ownership Michigan Consumer Protection Act ( MCL 445.901 et seq. ) Deceptive trade practices Misrepresentation of legal rights False or misleading statements in commerce Pattern & Practice LVNV Funding is a subsidiary of XXXX XXXX XXXX and has been the subject of : CFPB enforcement actions FTC lawsuits Multistate Attorney General settlements Consent orders requiring substantiation before collection Continued verification without proof constitutes willful noncompliance. 
Harm Credit damage Denial of financing Emotional distress Improper collection pressureImmediate deletion from all consumer reporting agencies Cessation of all collection activity Written confirmation of account termination Production of chain of title and account-level records

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
I called XXXX XXXX they immediately referred me to their collections department, After that I was told I have an outstanding balance of XXXX that I was never aware of so I started asking a lot of questions and getting upset, The account was opened XX/XX/year> The account number for the account is XXXX. 
I immediately made a police report and I have picture proof aka evidence of this. 

XXXX XXXX address XXXX XXXX  XXXX XXXX, XXXX, VA XXXX Phone number : XXXX ( XXXX ) XXXX Collections agency address : Portfolio recovery associates XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX XXXX The police are actively investigating and questioning potential suspect but in the meantime this false information shouldn't be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXXXXXXis falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
These accounts are fraudulently reported under my name without any authorization, knowledge, or consent from me. I have never authorized or managed them in any way. This is utterly unacceptable, as it introduces false and deceptive information into my financial history. I take my credit profile extremely seriously, and the presence of these unauthorized accounts has caused me profound distress and alarm. I require immediate and transparent clarification on why these accounts are appearing on my report and who is responsible for reporting them.

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 2026-01-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX th XXXX  at about XXXX XXXX  I entered the chase bank at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Fl XXXX. I tried to deposit {$300.00} dollars XXXX {$100.00} dollar bills XXXX {$50.00} dollar bill XXXX. {$20.00} dollar bills and XXXX. {$10.00} dollar bill. Machine took {$270.00} of it and there was a {$20.00} and a {$10.00} that did not go in. I tried to cancel it when the machine started showing a circle in the middle like it was looking for signal. I tried to cancel and it opened this door that you could see inside the machine. Then it went back to the beginning did not credit my deposit did not return the money no kind of error receipt nothing. Asked my husband to go get someone from the bank to come over to me and they said they could not do nothing I had to call. At XXXX ; XXXX XXXX  was my first call to them where they made a claim and they were going to investigate. The same day I opened the claim same day they closed it. Waited a few days called again told it was going to be escalated to give them up to 5 days the same outcome they closed my claim the very next day I dont believe that it was investigated at all. Now again telling me give them another 5 days mean time my bills are late and now have late fees. I need help please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Consumer Financial Services Solutions, Inc.
State: MS

Complaint narrative:
I am writing to file a formal complaint against Beyond Finance regarding the debt consolidation services I received. I believe the fees I was charged are not commensurate with the assistance provided, and I seek your intervention in this matter. 

In XX/XX/XXXX, I entered into an agreement with Beyond Finance to consolidate approximately {$30000.00} in debt. My largest debt was with XXXX, totaling {$26000.00}. I have already filed a complaint with the XXXX XXXX XXXX, with the ID # XXXX. 

The debt with XXXX was written off in XX/XX/XXXX and was subsequently settled for {$14000.00} in XX/XX/XXXX. For their services in this process, Beyond Finance has charged me a fee of {$8000.00}. I find this fee to be excessive and not justified by the level of assistance I received from the company. The resolution of my largest debt appears to have been largely independent of their direct efforts, and as such, I do not believe the fees are warranted. 

I am requesting a formal investigation into the practices of Beyond Finance in this case and a review of the fees I have been charged. I would appreciate your assistance in seeking a refund for the portion of the fees that I believe to be unfair. 

Thank you for your time and consideration of this important matter. I have enclosed copies of my agreement with Beyond Finance and my correspondence with the XXXX XXXX XXXX for your review. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I opened a Chase credit card after being offered a 12-month 0 % promotional APR at XXXX checkout for a large purchase ( spa hot tub ). The promotional financing was the deciding factor in my purchase. 

Chase failed to apply the promotional APR correctly and began charging interest. XXXX has already reimbursed the interest charges, confirming that I qualified for the promotion. However, Chase continues to accrue interest on the account and has not corrected the promotional coding. 

I have contacted both XXXX and Chase multiple times. XXXX states the promotion was valid and has already paid the interest. Chase continues to assess interest and refers me back to XXXX. 

I am requesting that Chase : Retroactively apply the 0 % promotional APR Remove all interest charges related to this purchase Correct the account so interest does not continue to accrue Provide written confirmation This appears to be a billing error under the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My business debt card was used for an online software subscription called XXXX XXXX. 

Problem  is XXXX XXXX never did set up my account so it was never active and running for me to utilize the services. 

I noticed I was being charged for several weeks while my XXXX XXXX account was not being used as it was never set up to run properly. Therefore I reversed these charges since I was not actually using the service. 

I will provide text messages between me and the owner of XXXX XXXX XXXX XXXX, which clearly state my account was never up and running and I was not aware I was being charged during that time. 

Thank you for your attention to this matter

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 2026-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Idaho Housing And Finance Association
State: IA

Complaint narrative:
My homeloan is through homeloan serv they have upped my monthly payment every year due to " escrow shortage '' i've been in this home for almost 3 years now and when I tell them they're responsible for making sure my escrow meets the requirements they just give me a run around and tell me im gon na pay what they say

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: UT

Complaint narrative:
1rst let me say i have a open complaint the # is : XXXX I did not no how to just add what they did to me last night so this goes with that complaint. With that, Last night, XX/XX/year> around XXXX XXXX  I went to the cash app customer service in the app and I had {$64.00} on there, but I went to talk to them about another issue about my money and when i got done i didn't have any money they took {$60.00} I went back to them and argued for a good XXXX or XXXX mins and all they did was keep repeating thereselfs like they are on a script or something I asked for someone over them or a supervisor and i asked if they are going to investigate it and because i can't choose a transaction they wouldn't. I can't pick a transaction that I sent there but my friend had sent me {$60.00} the night before and there was like XXXX on there so {$74.00} i made a {$10.00} purchase only so that leaves {$64.00} it's gone with no trace there is no transaction or receipt or anything but you can see my friend sent the XXXX and i only spent XXXX and there's nothing for the XXXX!! Also the Bitcoin on their app has been stealing money from me for 3 years or more now I stumbled across my Bitcoin roundups that I never gave permission to do. I never even used Bitcoin round ups ever it's turned off but for 3 years they have stolen {$230.00} and I did not give permission to take my money and they never gave me any Bitcoin or anything they have been just taking it a little here and a little there sometimes twice a day. The money that they stole last night was supposed to be on there so I can pay the loan I took out with them it's why it was there so now I'm behind on my loans because they stole my money i don't have anything to put on it again and to be honest I'm scared to now they will steal it. I can't believe they just took it all with nothing to show for i t just disappeared like it wasn't there but i have my transaction history and screenshots of the XXXX Bitcoin round ups which i think there is more than what they are showing. I want my money back.Also customer service has emailed me but XXXX or XXXX different people. One will email me and ask me questions and i answered every one of them then the next email I get will be a new person with the same questions they keep handing me down the line to a new rep every time they email and I'm tired of repeating myself to them so the communication is not going to good. If they would have just 1 person instead of someone new Everytime so I don't have to repeat myself because they don't want to do their job and read what i answered back with the first couple of times before then, then it's going nowhere and it's time consuming and very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Marauder Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX  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: Untimely response
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
I am filing this complaint against Resurgent Capital Services/ LVNV Funding, a debt buyer reporting a collection account for {$980.00}, allegedly owed to XXXX XXXX XXXX XXXX. 
I timely disputed this debt and requested proper validation. Despite my written dispute, Resurgent/LVNV failed to provide adequate debt validation and continued collection activity and credit reporting. 
This conduct violates the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ), 15 U.S.C. 1692g ( b ), which requires debt collectors to cease all collection efforts until validation is provided. Continued reporting without validation also results in inaccurate and unverifiable credit reporting under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

I am requesting that Resurgent/LVNV either provide lawful validation or cease collection and remove this account from my credit reports. I respectfully request the CFPBs investigation and corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
On XX/XX/XXXX, I created a XXXX  account ( " XXXX  XXXX '' ) at which time I agreed to XXXXXXXX XXXX User Agreement. On XX/XX/XXXX, you created a business profile ( XXXX XXXX ) attached to Account 1. In your Complaint, you state you have been unable to receive payments into Account 2. Upon the receipt of your Complaint, a further review of Account 2 was completed. As a result of this review, we temporarily adjusted Account 2 to allow payments into Account 2. During our phone conversation, you attempted to receive a payment, and it was unsuccessful. We have made further temporary adjustments to Account 2 to allow payments to be received. - even with the further adjustments, users are receiving errors when making payments to the XXXX XXXX XXXX As we discussed, once a payment is received, this should allow further payments into Account XXXX with no issues. Upon the receipt of your Complaint, a further review of Account 2 was completed. As a result of this review, the adjustment to Account 2 is still in place. We recommend having one of your customers attempt to send you a payment, and this should resolve the issue. Multiple users tried to send payments today to XXXX XXXXXXXX and received the same error they have been getting for many months. 


It is important to note that as part of our review, we have not seen a payment attempt to Account 2 since XX/XX/XXXXXXXX XXXX XXXX XXXX this could be an issue on your end as likely XXXX or more attempts have been made since the account was opened. 


I am glad I could adjust Account 2 to help resolve this issue, and I regret any inconvenience this issue may have caused you. - - you have not resolved this issue and please stop closing the cases as resolved when they have not been resolved. This is the second case you have marked as resolved when the issue was not resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LendKey Technologies, Inc.
State: NJ

Complaint narrative:
LENDKEY XXXX XXXX XXXX XXXX XXXX -This letter serves as formal notice pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). 
Re : Cease and Desist Unauthorized Communications and Reporting Account Numbers : XXXX, XXXX, XXXX, XXXX To Lendkey, This letter serves as formal notice pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). 
I am hereby demanding that LENDKEY / XXXX XXXX XXXX  XXXX, including any agents, representatives, servicers, affiliates, or third parties acting on your behalf, immediately cease and desist from all further communication with me, except as expressly permitted by law. 
This demand applies to, but is not limited to : Telephone calls ( including automated or prerecorded calls ) Emails Text messages Written correspondence Communications with third parties Any continued or unauthorized reporting or re-reporting of the referenced accounts The accounts subject to this notice are as follows : LENDKEY / XXXX XXXX XXXX XXXX  Account No. XXXX LENDKEY / XXXX XXXX XXXX XXXX Account No. XXXX LENDKEY / XXXX XXXX XXXX XXXX  Account No. XXXX LENDKEY / XXXX XXXX XXXX XXXX  Account No. XXXX Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they wish the collector to cease further communication, the collector must not communicate further except to : Advise that collection efforts are being terminated ; or Notify the consumer of specific, lawful actions being taken. 
Any communication beyond these narrow statutory exceptions will constitute knowing and willful non-compliance with federal law. 
Please be advised that any continued harassment, unauthorized communication, or improper reporting after receipt of this notice will be documented and may result in complaints being filed with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The Office of the State Attorney General Appropriate federal or state courts Nothing in this correspondence shall be construed as an acknowledgment of liability, validation of any debt, or a waiver of any rights, claims, or defenses. All rights are expressly reserved. 
Please govern yourselves accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I revoked authorization in writing for a merchant ( XXXX XXXX XXXX ) and instructed Wells Fargo to stop honoring or recovering any payments to that merchant. Despite this, Wells Fargo mishandled provisional credits and reversals tied to my debit card disputes. 

Wells Fargo issued provisional credits and then reversed the same funds multiple times without corresponding credits. In one instance, a single provisional credit was reversed more than once. In another, Wells Fargo reversed funds in XXXX even though the same provisional credit had already been reversed in XXXX. There is no second provisional credit shown in my transaction history to justify the additional reversals. 

I repeatedly requested a full accounting and explanation from Wells Fargo. Their representative has continued to assert that I received two credits, but Wells Fargo has not provided documentation or ledger entries showing a second credit. My account history contradicts their explanation. 

These repeated reversals occurred after I revoked authorization and caused material financial harm, including interference with my ability to pay rent and secure housing. The merchant has not responded to my CFPB complaint, yet Wells Fargo continued to act as if authorization still existed. 

This is not a dispute with the merchants decision. This is a Wells Fargo accounting and dispute-handling error involving unauthorized bank-originated debits, failure to honor revocation of authorization, and failure to provide requested account information. 

The disputed amounts total more than {$1600.00} and reflect repeated reversals of the same provisional credits.

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 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
XXXX, XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX, XXXX XXXX XXXX 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation