vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
I am filing a complaint regarding JEFFERSON CAPITAL for failure to properly validate an alleged debt and for reporting inaccurate information to the credit bureaus. I previously sent a written request for debt validation under the Fair Debt Collection Practices Act ( FDCPA 1692g ), but the company has failed to provide sufficient documentation to verify the debt. Despite this, they continue to report the account on my credit report, which is negatively impacting my credit profile. The company has not provided proof of a signed agreement, proof of ownership/assignment of the debt, or evidence that they are authorized to collect in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
On multiple occasions either deposit or refund money never reached my balance and. XXXX XXXX of either for days. Then after multiple complaints it shows up as a transaction. But never credited to the final balance. The money is never received or credited to my account. I was unaware of this issue at first because balance was higher than it is now. After my XXXX deposit. Now it is low and back to normal I can see the missing money information the balance. I have spoke to them multiple times. And one day there is no record of the money at all the. It just appears in the history saying was credited days before I spoke to anyone. But again never showed in my final balance and the multiple occasions are starting to add up to the hundreds

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 2026-03-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I am filing a complaint against OneMain Financial regarding a repossession and deficiency balance that I believe was handled improperly and may not comply with Florida law and UCC Article 9. My vehicle was repossessed on or about XX/XX/year>. When I went to retrieve my personal belongings on XX/XX/year>, I was informed that the vehicle had already been sent to auction. I do not recall receiving any prior written notice informing me of my right to redeem or reinstate the vehicle, the amount required to cure the default, or the date or timeframe of the sale. Given the short timeframe between repossession and sale, I am concerned that I was not provided a reasonable opportunity to recover the vehicle, as required by law. I am now being held responsible for a deficiency balance of approximately {$17000.00}. I am requesting that OneMain Financial provide full documentation of the repossession and sale process, including proof of notice, details of the sale, and a full calculation of the remaining balance. If proper procedures were not followed, I request the adjustment or removal of the balance and correction of any negative credit reporting. This situation has caused financial hardship and distress, and I am seeking a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Fundo LLC
State: FL

Complaint narrative:
I am filing a complaint regarding Fundo LLC and their attempt to enforce a disputed financial obligation through threats of filing a XXXX XXXX. I received a Notice of Intent to File a XXXX XXXX, however, I dispute the validity of this alleged debt. Fundo has not provided sufficient validation of the obligation, including a properly executed agreement, a full accounting of the balance, or proof of their legal authority to enforce this claim. Additionally, the structure of this agreement appears to resemble a loan disguised as a merchant cash advance, potentially in violation of applicable lending and disclosure laws. Fundo is attempting to pressure payment through threatening language and potential XXXX action without first validating the debt or ensuring compliance with consumer protection standards. I am requesting that Fundo : Provide full validation of the alleged obligation Cease all collection activity until validation is provided Refrain from filing any XXXX XXXX without proper legal basis If they are unable to validate this debt, I request that the account be considered invalid and all collection efforts cease. This conduct appears deceptive and unfair, and I am requesting regulatory review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: GA

Complaint narrative:
I 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 ) 1006.34, 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 next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Garrison Investment Group
State: OH

Complaint narrative:
So we had ever dry water proof our basement and they were supposed to be done in 5 days! They half way did the job. Ignored our calls to stop leaks fix pipes dripping and water proof areas they skipped. They offered us gift cards and even gave a couple payments to us. The problem is though the company they financed us through wanted payments to start but we explained to them hey we had verbal agreement to not pay until job was complete! So, foundation finance is the people who financed us started charging interest and fees and they do not want to work with us because of what everdry has donethe issue is a huge problem because they have a lien on our property which I did research on and think its illegal for them to do that!? We agree to original amount we owe just not all the fees and interest they are continuing to charge us and call us all the time. I have explained this to them ever time I talk to foundation finance. This has been going on since XX/XX/year>. Please help! I have called everdry, spoken to management/owner and he said he cant help us with the finance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
Someone activated credit card from Wells Fargo on XX/XX/year>. I didn't applied for it. And had charged for XXXX XXXXXXXX, that was called by Wells Fargo this morning. i didn't know or involved for this credit card. The only credit card I used is XXXX XXXX, that is my personal Bank. Thanks

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 2026-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear Wells Fargo Bank : Last year, during XXXX, XXXX, and XXXX, your bank was involved in withdrawing money from my personal account at XXXX XXXX. When I questioned XXXX, they were unable to explain why or how that happened. Since the money went to your institution, you are probably in a better position to clarify the issue. On XX/XX/XXXX, I spoke to XXXX XXXX, Vice President, XXXX XXXX, a division of XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX Department, XXXX. The reason for the call was that he did not respond to my additional comments on my complaint. Here are my additional comments : On XX/XX/XXXX, XXXX XXXX of XXXX XXXX informed me that the company that owns my car is " XXXX XXXX. '' I have been talking to XXXX XXXX for months, and he has never mentioned that name before. I have been paying XXXX XXXX since XX/XX/XXXX, when XXXX XXXX transferred my title loan to them. What makes this worse is that in XXXX, XXXX, and XXXX, I noticed an automatic withdrawal " XXXX '' from my account at XXXX XXXX. When I asked them, they told me it is Wells Fargo Bank. I told them that I did not approve of such a thing. They told me that it is for my car loan. After XXXX, XXXX came up with XXXX XXXX out of nowhere without my knowledge. I want a confirmation in writing from both the old bank and the new company that the loan was sold, and the new company is the legitimate lienholder. I also want confirmation in writing that Wells Fargo and " XXXX XXXX '' have nothing to do with the XXXX title of my car. What XXXX XXXX, Vice President, XXXX XXXX, told me is that Wells Fargo taking money out of my account has nothing to do with them. He continued to say maybe it was XXXX XXXX who did it. I am really confused. Can a company go to somebody's private account and start drawing money on its own? Should a bank in XXXX tolerate such action? Regarding " XXXX XXXX, '' XXXX XXXX, Vice President, XXXX XXXX, told me that he does not work for XXXX XXXX, and it is not his concern. He continued to say that XXXX XXXX can do whatever they want because they own the title. I replied that the XXXX name is still on my car title as we speak. He is getting very upset. I do not understand why they do not want to clarify this once and for all.

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 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
This complaint is a continuation of a previously filed CFPB case involving unauthorized activity on my PayPal Balance, a missing {$10.00} refund reversal, and misapplied payments that resulted from my PayPal Balance being shorted after unauthorized transactions. On XX/XX/year>, I received a XXXX letter from XXXX XXXX stating that they need more information regarding a PayPal Mastercard ending in XXXX. I did not apply for this card, did not authorize it, and previously disputed it as identity theft in my earlier CFPB filing. XXXX had already responded to the CFPB and closed the {$10.00} reversal portion of the case without resolving the missing refund or the PayPal Balance shortage. The XX/XX/XXXX letter shows that XXXX is still treating the fraudulent account as legitimate and is still requesting information from me, despite my prior dispute and the unresolved issues. The missing {$10.00} reversal was never returned to my PayPal Balance, and this contributed to a shortage that caused payments to be misrouted and charged incorrectly. I am requesting that the CFPB reopen or supplement the prior case, require XXXX and PayPal to correct the missing {$10.00} reversal, restore my PayPal Balance to the correct amount, and provide a complete explanation of why the fraudulent account is still active and generating mail requesting information from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: VA

Complaint narrative:
I had a XXXX XXXX card that was replaced by a XXXX XXXX XXXX account I had automatic debits set up of {$200.00} to pay this card. Today I receive a statement in the mail ( which was the first one I ever received ) showing that since XX/XX/year> I have accured {$1600.00} and I only had a balance of {$3700.00}. This is 45 % of my balance which is totally outrageous and should be illegal. This is definitely a High-Interest Trap : If you owe even a small amount at the end of the promotion, interest will be charged on the entire original amount, at a high interest rate of 35.99 % which is higher that the XXXX card was. There was only 1 email which was totally vague and confusing to customers. I have never missed a payment and my account was always current. Even the customer service I talked to said that clients were furious and he was helpless to help them. The customer service also told me that the promotion ended XX/XX/year> which was not in any communication as you can see by the email. I also never got a card or disclosures of interest rate or account number only by by statement I just received What matters legally is disclosure and clarity : I was not clearly told the promo end date was XX/XX/year> They did not clearly explain deferred interest terms? The transition from XXXX XXXX was not properly disclosed with new terms? There was absolutely no communication other than the email that is attached. This is clearly deceptive or unfair practices. XXXX is owned by XXXX XXXX XXXX and I can't believe a bank can be connected to such unfair and deceptive practices. I spoke to the customer service rep and told him I was filing a complaint with the CFPB and his exact words were " Please do '' and that speaks volumes.

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 2026-03-30 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Synergetic Communication Inc
State: TX

Complaint narrative:
the collector stated that they would begin reporting this debt to the credit bureaus starting XX/XX/XXXX if I did not make a payment. I believe this statement may be deceptive, misleading, and potentially in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Someone misrepresented himself as an airline representative, on the phone. He said he was booking airline tickets for me for XXXX XXXX airline. I gave him my credit card, then he started asking for verification codes from the credit card company. I thought that was strange, he said it was for " my protection ''. They told me to log into my credit card app and " approve a purchase ''. I've never been asked to do that, but I followed instructions. I was billed {$2900.00}. I found out that the person on the phone was NOT a XXXX XXXX XXXX representative at all toward the end of the call and I demanded that he refund the money. He promised to refund the money. I never received the airline tickets he supposedly booked. I never received a refund. The person misrepresented himself as an airline agent. When I disputed the charge with Citi card, they found for " we've completed the investigation '' and said I needed to contact the merchant directly. In other words, they did not side with me in this dispute. The " merchant '' is a fraud. When I called the " merchant '' back on XX/XX/year>, he said he issued the credit on XX/XX/year>, the same day the charge was made ; then he told me to call this other number if I had any problems. That number was out of order. This is a total scam and Citi should be helping me with this!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: OH

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for reporting inaccurate, inconsistent, and unverified information to the credit bureaus, in violation of the FCRA and FDCPA. Upon reviewing my credit reports, I identified blatant contradictions that prove the data being reported is unreliable : Status Conflict : The account is reported as " Closed '' on XXXX but " Open '' on XXXX. As a debt buyer, Jefferson Capital has not extended me credit ; therefore, reporting an " Open '' status is factually false. Date Discrepancies : There is a conflicting " Date of Last Activity '' ( XX/XX/XXXX on XXXX vs. XX/XX/XXXX on XXXX ). This suggests illegal re-aging of the debt to keep it on my report longer. Lack of Validation : I do not recognize the alleged balance of {$2000.00}. The collector has failed to provide an itemized statement or a copy of the original contract with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/year> To Whom It May Concern, I am writing to dispute the XXXX XXXX XXXX account associated with XXXX XXXX, currently appearing on my credit report. The account is reported inconsistently across the credit bureaus : TransUnion : Open account / Loan type : Factoring company account / Pay status : Collection XXXX : Loan type : Debt buyer account / Narrative XXXX XXXX Collection account These classifications are inconsistent and misleading. A single account can not simultaneously be reported as a factoring account and a debt buyer account while also showing collection status. Under the Fair Credit Reporting Act ( FCRA ), information on my credit report must be accurate, complete, and not misleading. I am requesting full verification of this account, including : 1. Documentation proving that XXXX XXXX XXXX legally purchased this debt from XXXX XXXX 2. Original signed contract/Documentation showing the original account balance and terms 3. Clarification of the correct account classification and status If XXXX XXXX XXXX can not provide proper verification or correct the account classification, I request that this account be removed from my credit report immediately. Thank you for your prompt attention to this matter. 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 2026-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I sent a letter as a Direct Dispute Under FCRA 623 ( a ) ( 8. This is a direct dispute concerning my account referenced as reported to XXXX XXXX, and XXXX. I informed them that their reporting contains inaccuracies and inconsistencies that violate FCRA 1681s-2 ( a ) and XXXX XXXX data reporting standards. I also informed them that if they can not provide documentary evidence validating complete and accurate XXXX XXXX compliance, they must notify XXXX XXXX, and XXXX to delete the tradeline. Failure to correct or delete inaccurate reporting may result in complaints to the CFPB, and the Florida Attorney General. And to please respond within 30 days. Pursuant to federal law, you are required to conduct a reasonable investigation and provide documentation supporting the accuracy of your reporting. Please provide the following : Complete payment history ledger from account inception Copy of the original signed contract or retail installment agreement Documentation establishing the Date of First Delinquency ( DOFD ) Detailed Charge-Off calculation, including principal, interest, fees, and adjustments Explanation of repossession accounting, including sale of collateral and deficiency balance calculation The Account Status Code and Payment Rating submitted to XXXX Documentation proving compliance with XXXX XXXX reporting standards I conditionally accept your claim that this account is accurate only upon full validation and verification through the documentation requested above. Failure to provide such documentation will constitute your inability to verify the account. If you can not fully validate and verify every aspect of your reporting : You must immediately delete all inaccurate and unverifiable information from my consumer report You must notify all consumer reporting agencies to which you have furnished this data You are required to complete your investigation within 30 days of receipt of this dispute. Be advised : Failure to comply with the FCRA and applicable regulations will result in escalation, including but not limited to complaints filed with : Consumer Financial Protection Bureau Federal Trade Commission State Attorney General I reserve the right to pursue all available legal remedies, including claims for statutory, actual, and punitive damages.

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 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
Subject : SoFi Bank improperly seized protected SSI funds Complaint : My son receives Supplemental Security Income ( SSI ), which is federally protected from garnishment and offset under federal law. My SSI direct deposit was sent to my account with SoFi Bank. At the time, my account had a negative balance of {$920.00} due a temporary provisional credit being reversed. Someone had stole my identity and my vehicle and I had to dispute charges that were made. Immediately after the deposit of {$990.00} was received, SoFi closed my account and applied my SSI funds to the negative balance. SSI funds are protected under federal law and should not be used by a bank to cover overdrafts or debts. I requested clarification from SoFi, and they stated they had the right to take the funds due to the negative balance. I believe this is a violation of federal protections for Social Security benefits.

Company response to consumer: Closed with explanation