vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-19 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: CA

Complaint narrative:
, I am writing regarding the verification of the following disputed account appearing on my credit report : Creditor : Portfolio Recovery Associates Original Creditor : XXXX XXXX, XXXX. Account XXXX : XXXX You have indicated that this account has been verified XXXX that an investigation was completed. Pursuant to the Fair Credit Reporting Act, XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( iii ), I am formally requesting a detailed description of the * * method of verification * * used XXXX validate this account. Please provide the following information : XXXX. The name, address, XXXX telephone number of the person or entity that verified the information. XXXX. The date the verification was performed. XXXX. Whether the verification was conducted manually or through an automated system ( including e-OSCAR ). XXXX. Copies of documentation relied upon to verify : * The alleged balance of {$1400.00} * Legal ownership or assignment of the account from XXXX XXXX, XXXX. XXXX Portfolio Recovery Associates * The authority XXXX report this account as a collection tradeline XXXX. An explanation reconciling the contradiction between : * XXXX % paid off, and * {$1400.00} past due as of XX/XX/year>. XXXX. Documentation supporting the reporting of continuous monthly XXXX collection statuses. This request is * * not * * a reinvestigation. It is a statutory request for the * * procedures used XXXX determine accuracy * *. A generic response or automated verification does not satisfy the requirements of the Fair Credit Reporting Act. If you are unable XXXX provide the above information, or if the account was verified without reviewing actual documentation, the account must be deleted as * * unverifiable * *. Please provide this information in writing within the timeframe required by law. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Amex promised {$600.00} a year ( {$300.00} biannually ) for hotel credit booked through their app. Amex did not apply this credit to the booking I made on XX/XX/XXXX this year as promised. Booking # XXXX. Amex is assigned arbitrary reasons to decline benefits that are supposed to be used for hotel purchases through their app.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My social security Number and identity have been compromised as a result of a data breach and/of identity theft. I have taken necessary steps to report this matter to the federal trade commission ( FTC ). The FTC report number associated with this incident is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management is reporting a {$10000.00} collection account on my credit report, claiming it originated from a XXXX credit card. I requested debt validation including the original credit agreement and complete account history. They were unable to provide the original contract and only provided statements beginning XX/XX/year> showing a pre-existing balance of {$9400.00} with no documentation establishing the origin or validity of the debt. When I asked about my validation rights by phone, a representative falsely told me they were not required to provide those documents, which is a misrepresentation of my rights under the FDCPA. I have since issued a cease and desist. I am disputing this debt as unvalidated and request it be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
They closed my account for no reason. I do not believe that the CEO has done this. Someone else, who works at the bank, has, illegally, closed my account. There were, very small, transactions from XXXX and XXXX that I needed a refund for, that caused the account to overdraft. I deposited money each month to the account. I needed to dispute those transactions. I paid every fee to reopen the account. The fee was {$4.00}. It still says that I need to add money. Anyhow, I have never done, any, illegal transactions on the account. I believe that people are hacking my sim card, number, on my phone. I have contacted the Attorney General about this matter. They had no reason to close the account. I have a few more weeks to reestablish the account. When they reopen the account, Ill make sure that more transactions are made so that it does not close. I, barely, made transactions. I've done nothing wrong ; I'd like to re-open the account. I've faxed them, I've called them, they have not re opened the account. It seems like I keep hearing the same representatives, over the phone, as if someone is hacking my phone number. I have pending court cases.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: Chime Financial Inc
State: AL

Complaint narrative:
Because of the previous account with spendwell and social security benefits direct deposit change without my authorization I opened an account with chime and they stole half my benefits. Here 's how and I have statements to prove that they were additional costs being referred to as credit builder card payments. I first contacted Chime back in XX/XX/year> and asked why I was unable to see my ledger in full time back to opening and they stated that they weren't able to neither which is not something they being in control of my money should say to make things professional or comfortable for me but I just shrugged thinking maintenance which is what they should have said but didn't. My call was due to lack of viewing of full ledger expenses and the credit builder payments. They claimed these payments were for prior months expenses and I replied, really? So I went through expenses and got a different amount from the one referenced by Chime and called again in XX/XX/year>. My specifics on these calls was documented in my notebooks that was stolen with my vehicle back in XX/XX/year> from XXXX while I was shopping. However, The total amounts they claimed as card payments came out to $ 29,228.11from XXXX XXXX XXXX. Each month was a different amount than the prior months expenses and that's how I know this amount was what caused me to go through {$57000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
I had fraudulent transactions on my account. In the following weeks after the fraudulent transactions, the bank is only removing XXXX of XXXX overdraft fees. None of the overdraft transactions would have had a negative balance without the fraudulent claims the bank has now paid me for and closed the case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
I summited and complaint ( XXXX ). Midland Credit Management mentioned there may be potential fraud involved, but I still have not received proper verification of this account. Please provide complete documentation supporting this debt, including : Proof that Midland legally owns the account ( chain of assignment ) A copy of the original agreement A full payment history A breakdown showing how the current balance was calculated Until this information is provided, I dispute the accuracy of this account. If Midland can not fully verify the debt and its ownership, the account should be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: MI

Complaint narrative:
I've called multiple times stating I'm not using their merchant services and would like to put it on pause. U.S. Bank states they will pause the account and credit the fees. They have never done so and it's been XXXX months now. I have pulled all my money out of there now and am incurring low-balance fees and have called to cancel my account entirely. No closing of account just false claims from the customer and the business service reps saying they will only check and still being open and charged.

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 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTECH DIVERSIFIED, INC.
State: TX

Complaint narrative:
Validation of Debt Request - COLLECTECH DIVERSIFIED - XX/XX/XXXXI am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the nextXX/XX/XXXXdays : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: GA

Complaint narrative:
On XX/XX/scrub> 2026, my debit card was lost. After that date, multiple unauthorized transactions totaling {$540.00} were made without my permission. I did not authorize these transactions and was physically located in XX/XX/XXXX at the time. I did not travel to XX/XX/XXXX did not visit any airports, and did not make these purchases. Some of the disputed charges also occurred inXX/XX/XXXX and were not made by me. I promptly reported the fraud and filed a dispute. I submitted supporting evidence, including a police report and proof of my location, and filed multiple appeals. Despite providing documentation and proof that the transactions were unauthorized, my claim was denied and closed. I am not requesting additional information I am requesting reimbursement of my funds. Under Regulation XXXX, financial institutions must properly investigate unauthorized electronic fund transfers. I am requesting a full reinvestigation and reimbursement of the unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My social security Number and identity have been compromised as a result of a data breach and/of identity theft. I have taken necessary steps to report this matter to the federal trade commission ( FTC ). The FTC report number associated with this incident is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DRB-40, LLC
State: FL

Complaint narrative:
I am filing this complaint against DRB , LLC regarding an alleged {$2100.00} debt they claim is owed to XXXX XXXX. I received a text message stating that DRB , LLC is attempting to collect this alleged balance. I dispute this debt in its entirety and do not acknowledge owing this amount. I have not been provided proper validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). The company is attempting to collect without first providing competent evidence that : I have a legal obligation to pay They have legal authority to collect The amount claimed is accurate The debt is not time-barred Additionally, they initiated collection through text message without first providing adequate written validation notice. I consider this improper communication and a potential violation of 15 U.S.C. 1692c and 1692e.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
In XXXX, XXXX I opened a loan with Mosaic/Solar Servicing for solar panel and battery installation for the amount of {$21000.00}. The project was cancelled in XXXX due to delays. Mosaic went bankrupt in XXXX, XXXX and was bought out by Solar Servicing. They required me to start making monthly payments of {$220.00} towards my loan. I have made many requests for them to cancel this loan and issue the refund since the project was cancelled, and I never received any goods or services. Mosaic/Solar Servicing has failed to complete the loan cancellation or provide any type of resolution for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UPGRADE, INC.
State: AZ

Complaint narrative:
I had fraud in account. Card was stolen. I disputed charged and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX, IN XXXX XX/XX/XXXX LVNV Funding LLC Re : Debt Validation Request & Cease and Desist To Whom It May Concern : I am writing regarding XXXX collection entries reported by LVNV Funding LLC on my credit report. The entries are as follows : XXXX. Reported balance : {$190.00} Date reported : XX/XX/XXXX XXXX. Reported balance : {$460.00} Date reported : XX/XX/XXXX XXXX. Reported balance : {$800.00} Date reported : XX/XX/XXXX Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXXg, I hereby request full validation of these alleged debts. Please provide the following documentation for each entry : XXXX. Proof that I am legally obligated to pay this debt. XXXX. The original creditors name and original account number ( if available ). XXXX. A complete itemized accounting of the amount you claim I owe, including all fees, interest, and other charges. XXXX. A copy of the assignment contract, bill of sale, or other documentation demonstrating that LVNV Funding LLC legally owns these debts or has been assigned the right to collect them. XXXX. Any documents showing the date of last activity, date of charge-off ( if applicable ), and evidence that the statute of limitations on these debts has not expired.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NJ

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XX/XX/XXXXXXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S CXX/XX/XXXXe XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing regarding my merchant account, which was placed on hold in XX/XX/XXXX and subsequently closed. At that time, my funds for {$15000.00} were placed on a 180-day hold. I spoke with a Wells Fargo supervisor, XXXX ( phone : XXXX ), and we came to an agreement that if no chargebacks or disputes were filed within 90 days, the funds would be released. The agreed release date was XX/XX/XXXX. No chargebacks or disputes have been filed. I also communicated with XXXX from the XXXX XXXX XXXX Department ( XXXX ). On XX/XX/XXXX, she confirmed my updated bank account and routing information and stated that the funds would be deposited within 23 business days. However, the funds have not been received. Since then, I have made numerous attempts to reach her, including over 60 calls and multiple voicemails, without any response. This lack of communication is extremely concerning and unprofessional.

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 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Dave Operating, LLC
State: CA

Complaint narrative:
I ask several times for them to revoke authorization to withdraw funds, and they keep telling me they won't. I have removed them from plaid and they still find a way to get the money. I was intending on stopping and late paying back because of financial difficulties, but these practices are making me think otherwise. I want them to close my account and remove authorization to pull funds from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Dear XXXX XXXX XXXX, I am writing to formally dispute inaccurate information currently being reported on my consumer credit file regarding an account with XXXX XXXX credit. This letter serves as a request for reinvestigation pursuant to my rights under 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), 15 U.S. Code 1666b, and FCRA Section 605B. Consumer Information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, ZIP : maple shade XXXX Date of Birth : XX/XX/XXXX Last Four of SSN : XXXX Account Information : Creditor : XXXX XXXX credit Account Number : XXXX Date Opened : XX/XX/XXXX Loan Term : 60 Months Status : Paid in Full and Closed on XX/XX/XXXX Despite this account being fully paid and closed, it continues to report as a negative item with late payments. This reporting is inaccurate, misleading, and harmful to my credit profile. Under the Fair Credit Reporting Act, you are required to maintain maximum possible accuracy. Because the account has been satisfied, the continued reporting of negative information including late payments must be corrected or deleted immediately. XXXX XXXX XXXX Request for XXXX of XXXX Please provide a detailed description of your reinvestigation, including : - The systems and/or personnel used to review and verify the debt and the reporting of this account. - The time, date, email addresses, and phone numbers of each party contacted during the investigation. - A copy of the Automated Consumer Dispute Verification ( ACDV ) or any records furnished to verify this account and its payment history. If you are unable to produce competent documentation verifying the accuracy of this reporting, you are required under federal law to delete the inaccurate information from my credit file. Additionally, pursuant to FCRA Section 605B, I request the immediate correction of all improperly reported late payments associated with this account, as they do not reflect the accounts paid status. Please complete your investigation within the timeframe required by law and provide me with written confirmation of the results along with an updated copy of my credit report. Failure to comply with federal reporting requirements may constitute a violation of the Fair Credit Reporting Act, and I am prepared to pursue all remedies available to me if this matter is not resolved promptly. Thank you for your immediate attention. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: AR

Complaint narrative:
As we notified you, if we can not resolve this, we must return your XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) account to the current creditor for review to see if it meets their criteria for referral to a law firm in your state. XXXX XXXX XXXX, a debt collector, while there is still time to work with us. Visit XXXX XXXX XXXXXXXX or call XXXX. Reply stop to opt-out

Company response to consumer: Closed with explanation