vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: GU

Complaint narrative:
Company : LVNV Funding LLC Amount : {$1200.00} Opened : XX/XX/year> Complaint : I am disputing an alleged debt being reported by LVNV Funding LLC. I requested validation and documentation supporting the alleged debt, including : * proof of ownership, * original creditor information, * a complete payment history, * and documentation showing legal authority to collect. The information currently being reported appears incomplete and/or insufficiently validated. Continued reporting of disputed information without adequate investigation may violate the Fair Credit Reporting Act and Fair Debt Collection Practices Act. I request that LVNV Funding LLC : 1. Provide complete and legally sufficient validation of the alleged debt ; or 2. Remove the account from all consumer reporting agencies. I also request that the CFPB review whether the companys reporting and collection practices comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: TX

Complaint narrative:
am disputing this account from LVNV Funding because I requested debt validation and never received any proper documentation proving this debt is accurate or legally collectible. I contacted LVNV Funding regarding this account dated XX/XX/year> with a reported balance of {$940.00}, but no proper validation was provided. Under the Fair Debt Collection Practices Act ( FDCPA ), I requested verification of this alleged debt, including documentation such as the original signed lease agreement, payment history, and proof that I am legally responsible for this balance. LVNV Funding failed to provide sufficient evidence. Because this debt remains unverified, I am requesting that this account be removed from my credit report and rental history immediately. Reporting unverified information is inaccurate and unfair to my consumer record. Please complete a full investigation and delete this account if proper verification can not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PINNACLE RECOVERY, INC.
State: CT

Complaint narrative:
Subject : Formal Complaint and Request for Removal of Incorrect Debt Listing To Whom It May Concern, I am writing to formally lodge a complaint and request urgent assistance in removing a false and disputed debt that has been reported against my name. In XXXX, I purchased a membership with XXXX XXXX XXXX, which was represented to me as a vacation ownership product that could be used internationally. However, after the purchase, I discovered that the product was not as represented and did not function in the manner I was led to believe at the point of sale. Following this discovery, I immediately communicated with the company and clearly instructed them not to proceed further with the account or any related billing. Despite my explicit instructions, the account was continued, and billing persisted against my wishes. As a result of the ongoing disputed charges, the account has now been handed over to a third-party debt collector, Pinnacle Recovery Inc , for recovery action. I strongly dispute this debt in its entirety, as it arises from a misrepresented agreement and continued billing after cancellation instructions were given. I maintain that : The product was misrepresented at the point of sale I requested cancellation / non-continuation of the account promptly Billing continued despite my clear instructions The debt is therefore inaccurate and unfairly reported I am requesting your assistance to : Investigate the validity of this alleged debt Assist in removing or correcting any negative listings associated with my name Ensure that all credit reporting related to this account is suspended or corrected pending full investigation Assist in restoring my credit profile to reflect accurate and lawful information I am prepared to provide supporting documentation, including communications with the company, account records, and any related correspondence. Thank you for your assistance in resolving this matter fairly and urgently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 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: FIRST NATIONAL BANK OF OMAHA
State: PA

Complaint narrative:
Individual impersonating me used credit card at the XXXX XXXX XXXX XXXX XXXX Charges were for over {$8500.00}. This is currently being investigated by First National Bank of Omaha. An outcome may not take place for XXXX billing cycles.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: GA

Complaint narrative:
I am contacting you regarding a serious issue with a newly purchased Vanilla Gift Card in the amount of {$500.00}. I purchased this card on XX/XX/year> and attempted to use it the same day, but my transactions were declined. After contacting customer service, I was told my card had been cancelled and that a replacement would be mailed to me. I did not request cancellation of my card, and I have not been given a clear explanation for why my funds were blocked immediately after purchase. This has prevented me from accessing {$500.00} of my own money. I am requesting : Immediate restoration of access to my funds or expedited replacement. A written explanation for why my card was cancelled/declined. Confirmation of the status and timeline for resolution. I have retained my purchase receipt and details regarding this issue. If this matter is not promptly resolved, I am prepared to pursue complaints through the CFPB and other consumer protection channels. I would appreciate a prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: B9, Inc.
State: NV

Complaint narrative:
I am formally disputing excessive, predatory, and poorly disclosed fees levied against my B9 account between XX/XX/year>, and XX/XX/year>. During this incredibly short timeframe, my account was drained through an aggressive and undisclosed fee structure. An audit of my statement reveals that I was hit with a staggering XXXX separate " XXXX '' charges ranging from {$1.00} to {$30.00} per swipe, extracting exactly {$550.00} from my available funds. Furthermore, B9 simultaneously levied additional excessive deductions, including {$28.00} in " XXXX XXXX XXXX '' charges, {$7.00} in " XXXX XXXX XXXX '' charges, {$83.00} in " Pay Charge '' fees, and {$33.00} in deductions labeled as " XXXX XXXX XXXX '' In total, B9 extracted {$710.00} in predatory fees during this single statement period. Because B9 functions as a financial technology platform rather than a traditional bank, they have an obligation to clearly disclose third-party or merchant category code fees. The current fee structure effectively drained my available funds in a manner that constitutes an unfair, deceptive, or abusive act or practice ( UDAAP ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: LAND HOME FINANCIAL SERVICES
State: TX

Complaint narrative:
There are multiple issues with multiple companies. My wife and I were granted a forbearance due to covid around XXXX to XXXX while under XXXX XXXX Loans. At the end of the forbearance, we were given a modification then unexpectedly moved to XXXX XXXX XXXX. Due to some unexplained issue the modification our forbearance was not honored, and those months were then charged to our account with penalty. Even with this we still continued normal payments until we lost our jobs in XXXX and dealt with a natural disaster in XXXX we eventually were placed in foreclosure end of XXXX and sought assistance with company that promised to provide help. We sent mortgage to them from XX/XX/XXXX till XX/XX/XXXX. At that time, we were unexpectedly moved to another Mortgage Provider called Land Home Financial Services with a past due bill around XXXX dollars and a auction date of XX/XX/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 2026-05-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: FL

Complaint narrative:
[ Your Full Name ] XXXX XXXX XXXX [ Your Address ] XXXX XXXX XXXX XXXX [ City, State ZIP Code ] XXXX, XXXX [ Phone Number ] ( XXXX ) XXXX [ Email Address ] XXXX [ Date ] XX/XX/2026 [ Debt Collector or Collection Agency Name ] Dept XXXX XXXX XXXX Agency Address ] XXXX XXXX XXXX XXXX, [ City, State ZIP Code ] XXXX, XXXX XXXX RE : CEASE AND DESIST COMMUNICATION NOTICE UNDER XXXX U.S.C. 1692c ( c ) To Whom It May Concern : This letter serves as formal notice that pursuant to the federal Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), you are hereby instructed to immediately cease and desist all communication with me regarding the alleged debt referenced in your records. Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or wish the debt collector to cease further communication, the debt collector must stop communicating with the consumer except for the limited purposes authorized by law. Accordingly, you are directed to cease all : Telephone calls Text messages Emails Letters Voicemails Social media contact Communication with third parties regarding this alleged debt You are further notified that any continued contact beyond what is permitted under federal law may constitute violations of the FDCPA, including but not limited to : 15 U.S.C. 1692c ( c ) Failure to cease communication 15 U.S.C. 1692d Harassment or abuse 15 U.S.C. 1692e False or misleading representations 15 U.S.C. 1692f Unfair collection practices Be advised that I am maintaining detailed records of all communications. Any violation of my rights under federal law may result in complaints being filed with the : Consumer Financial Protection Bureau Federal Trade Commission Office of the Attorney General in my state Additionally, I reserve the right to pursue civil remedies, including statutory damages, actual damages, attorneys fees, and court costs as permitted under 15 U.S.C. 1692k. This notice is not an acknowledgment or admission of liability for the alleged debt, nor is it permission to report inaccurate or unverifiable information to any consumer reporting agency. Please confirm in writing that you have complied with this request. Sincerely, [ Your Signature ] RP [ Your Printed XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: HEARTLAND PAYMENT SYSTEMS INC
State: AR

Complaint narrative:
Complaint ID : XXXX This is in response to concerns of the legal authority of the Consumer Financial Protection Bureau ( CFPB ) to investigate potential unlawful, unfair, and/or deceptive practices related to my consumer financial account with XXXX XXXX XXXX XXXX XXXX has asserted, directly or indirectly, that regulatory review or enforcement authority does not apply in this matter. That position appears to be incorrect. This account is a consumer financial account, not a purely commercial merchant account. It is held in the names of individual consumers and is linked to a Social Security Number. As such, it is properly treated as a consumer account under applicable federal financial consumer protection laws. Accordingly, the account and related transaction activity are subject to federal consumer protection statutes, including : Electronic Fund Transfer Act ( EFTA ) and Regulation E ( 12 C.F.R. Part 1005 ) which govern electronic fund transfers and provide protections against unauthorized transactions, errors, and improper account debits involving consumer accounts. Truth in Lending Act ( TILA ) and Regulation Z ( 12 C.F.R. Part 1026 ) ( if applicable based on credit features or credit-related billing activity ) which require clear disclosure of credit terms, fees, and establish procedures for resolving billing errors. Based on the conduct at issue, XXXX XXXX may have engaged in practices that implicate one or more of the above statutes, including potential unauthorized transactions, disputed fees, or inadequate disclosure of charges and account terms. The conduct at issue includes disputed charges, unauthorized or unexplained debits, and/or fees that were not properly authorized or clearly disclosed. I request that the CFPB review whether the practices described constitute violations of applicable consumer financial protection laws and whether supervisory or enforcement action is appropriate. I am prepared to provide supporting documentation, including account statements, transaction records, correspondence, and communications upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
On or about XX/XX/year>, I discovered that approximately {$2000.00} was withdrawn/transferred from my account without my authorization. I did not authorize these transactions, and I do not know the person who accessed or managed my funds. I have never shared my account information, login credentials, debit card information, or banking details with anyone. The unauthorized activity caused financial hardship and concern for the security of my account. As soon as I became aware of the issue, I reviewed my account and attempted to determine how the unauthorized person gained access. I believe my account information may have been compromised without my knowledge. I am requesting a full investigation into these unauthorized transactions, reimbursement of the stolen funds if applicable, and improved protection on my account to prevent further unauthorized access. I would also like copies of any records, IP addresses, device information, or transaction details related to the unauthorized activity. I certify that I did not authorize these transactions or give permission to any individual to manage or remove money from my account.

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 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SOFI TECHNOLOGIES, INC.
State: WV

Complaint narrative:
I am submitting this complaint regarding a disputed payment issue connected to the disconnection of electric service at my residence where children currently reside. XXXX XXXX and/or the XXXX have stated that a payment in the amount of {$3000.00} made on XX/XX/XXXX was returned on XX/XX/XXXX. However, I dispute authorizing this payment and have attempted to investigate the matter through my financial institution and supporting account records. Based on the information currently available to me, I have been unable to verify the alleged transaction through my banking records and communications with my financial institution. I am requesting a full investigation and accounting regarding the alleged returned payment relied upon in this matter. Despite my efforts to seek review and explain the hardship circumstances involved, electric service to the residence has been disconnected while this dispute remains unresolved. This household includes children and individuals with documented medical and mental health concerns, including XXXX-related issues impacted by the loss of electric service. The disconnection has created significant hardship for the household. I am not refusing to cooperate regarding the account. I am requesting a fair opportunity to investigate and resolve the disputed payment issue while seeking temporary restoration or hardship consideration during the review process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I am filing this complaint against JPMorgan Chase Bank regarding their handling of a chargeback dispute in which I, as a merchant, provided clear and sufficient evidence, which was disregarded with an explanation that the evidence was insufficient. In XX/XX/year>, I shipped XXXXXXXX XXXX XXXX to a Chase cardholder in XXXX. The destination temperature at the time was in the XXXX. Prior to shipment, I photographed the XXXX which were XXXX XXXX XXXX XXXX The shipment was delivered successfully per carrier confirmation. Multiple concurrent orders shipped under identical conditions arrived without issue. The customer filed a chargeback claiming the XXXX arrived XXXX, providing photos of XXXX XXXX that I can not verify were mine. I submitted the following evidence to Chase : - Pre-shipment photos showing healthy, tagged XXXX - Carrier delivery confirmation - My store 's clearly posted Final Sale policy - Communication with customer sharing that XXXX might experience shock during shipping but it's normal and they'll revive Despite this evidence, Chase sided with the customer and informed me my evidence was " insufficient '' without specifying what standard of evidence would satisfy them or what was lacking in my submission. As a result, I lost the products, the transaction amount, the transaction fee paid to XXXX, a dispute fee, and suffered a merchant rating penalty on my sales platform, resulting in my store 's products not showing to the shoppers on the platform. I have spoken to multiple Chase employees and managers at different branches, who helped me escalate the case. I have received responses from Chase, but they said that there was no way to reverse the decision and that it was final. I am requesting that Chase : 1. Review this dispute and reverse the chargeback 2. Provide a written explanation of their evidence standard for " item not as described '' disputes 3. Refund the transaction amount and dispute fee given the evidence provided I have full documentation available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
I am filing this follow-up complaint regarding the handling of my unauthorized transaction dispute by InComm XXXX XXXX XXXX I previously reported an unauthorized XXXX transaction in the amount of approximately {$120.00} involving my gift card. I did not make, authorize, or benefit from this transaction in any way. The card had only been used by me one time for a legitimate purchase before the funds were suddenly depleted by the unauthorized charge. After reporting the fraud promptly, my dispute was denied. I then submitted an appeal and later filed a CFPB complaint requesting that the company review the matter again. InComm responded stating that they completed a second-level review and upheld the denial ; however, they still failed to provide any actual evidence showing that I authorized the transaction. The companys response used very broad language stating that data elements and merchant verification were reviewed, but they did not explain : * what evidence was used, * whether the transaction matched my identity or location, * whether an IP address or device was connected to me, * or why the transaction was considered authorized. I believe this response is incomplete and unfair because I immediately reported the fraud and consistently explained that my card information was likely compromised or stolen. Gift card fraud and stolen card numbers are common, especially with online transactions. I am requesting : * a detailed explanation supporting the denial, * any evidence relied upon to determine the transaction was authorized, * confirmation that the correct card/account was reviewed, * and reconsideration of the denied dispute. I am simply seeking a fair investigation into an unauthorized transaction that I did not make.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Klarna AB
State: NC

Complaint narrative:
I cancelled my membership but I have been charged {$4.00} ongoing and my app reflects that I'm cancelled but I'm still receiving charges and fear that the account was never cancelled ( which means i've been charged {$4.00} for probably more than a year )

Company response to consumer: Closed with explanation