vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding multiple collection accounts being reported on my credit report that I have formally disputed and requested validation for, but have not been properly verified. The accounts include : Credit Collection Services Original Creditor : XXXX XXXX Co {$910.00} XXXX previously submitted disputes and debt validation requests to these companies. It has now been over 45 days, and I have not received proper validation of these debts. Instead, the accounts continue to be reported on my credit file. The companies have failed to provide competent evidence that I am legally obligated to pay these debts. Specifically, they have not provided : Any signed contract or agreement bearing my signature Full account-level documentation or payment history Proof of assignment or legal ownership of the debt Despite this, they continue to report these accounts to the credit bureaus, which is inaccurate and damaging to my credit profile. I believe these actions violate federal law, including : Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) : Failure to validate the debt and continuing collection activity FDCPA 15 U.S.C. 1692e : Misrepresentation of the debt Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ) : Failure to conduct a reasonable investigation FCRA 15 U.S.C. 1681e ( b ) : Reporting inaccurate or unverifiable information FCRA 15 U.S.C. 1681i ( a ) : Failure to properly investigate disputed information Additionally, at least one account was reinserted on my credit report without proper notification, which may violate FCRA 1681i ( a ) ( 5 ) ( B ). I am requesting the following resolution : Immediate deletion of all listed accounts from my credit report Cease all collection activity on these accounts Written confirmation that these accounts have been removed These companies have had sufficient time to validate the debts and have failed to do so. Continuing to report unverifiable information is harmful and unlawful. If these matters are not resolved, I am prepared to pursue further legal action for willful noncompliance. I request a prompt investigation and resolution of this complaint. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Servicing Solutions, LLC
State: FL

Complaint narrative:
I previously registered a complaint for Servicing Solutions, and you closed it based on their response. I have feedback informing you that this was not resolved, so here is another complaint. XXXX the related screenshots and you will see the issue, the email sent to me on XX/XX/XXXX shows a closing date of XX/XX/XXXX with a total due of XXXX with a past due amount of XXXX, and a total amount due is {$3800.00}, due XX/XX/XXXX. When i go on the website because I know XXXX not past due, the XXXX screen shot attached, says my payment is due XX/XX/XXXX, no past due is listed and the amount due is {$350.00} total balance is XXXX, then if I click make a payment it takes me to another page, see XXXX picture that says amount due is only XXXX and the due date is XX/XX/XXXX. If my closing date is XX/XX/XXXX and you send a statement on XX/XX/XXXX, why is the amount due different/more than what is online, why is the due date different and why is the online amount different on other pages. Also why does the online pages not show a past due amount. As I stated before they billing practices are fraudulent and the fees are based on made up amounts, nothing reconciles.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Due to the Wells Fargo and XXXX partnership coming to an end, I decided to open a new XXXX Card and close my Wells Fargo account. Wells Fargo transferred my credit balance of {$1700.00} to my new XXXX card, but continued to deduct {$1700.00} on XX/XX/year> via autopay. As such, I have overpaid Wells Fargo on {$1700.00} and requested a payment reversal via call on Tuesday, XX/XX/XXXX. During this phone call, I was informed by the customer representative that the {$1700.00} payment would be reversed and the money would be provided to me via check by XX/XX/XXXX. As of XX/XX/XXXX, I still have not received the {$1700.00} overpayment that Wells Fargo deducted from my account without my knowledge.

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 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am filing this complaint against American Express regarding inaccurate and unverified information being reported on my credit report. The account at issue is listed as follows : * Creditor : American Express * Account Number : XXXXXXXX XXXX Reported Status : Charge-Off / Collection * Reported Balance : {$990.00} This account is currently being reported to XXXX XXXX XXXX and is negatively impacting my credit profile. I formally dispute the accuracy, completeness, and verifiability of this account. I have previously requested validation of this debt, including documentation such as the original signed agreement, full account history, and proof of the reported balance. To date, American Express has failed to provide sufficient evidence to substantiate the validity of this account. Under the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to report only information that is accurate and verifiable. Additionally, they are required to conduct a reasonable investigation when a consumer disputes an account. Reporting unverified or incomplete information is a violation of federal law. Despite my dispute, this account continues to be reported without proper validation or adequate investigation. This raises serious concerns regarding compliance with FCRA requirements. I respectfully request the following actions : 1. A thorough investigation into American Expresss reporting of this account 2. Verification of the debt with complete and accurate documentation 3. Immediate deletion of the account from my credit report if it can not be properly verified 4. Correction of any inaccurate, incomplete, or misleading information 5. Written confirmation of the results of this investigation This matter is causing significant harm to my credit standing and financial opportunities. I request that this issue be resolved promptly and in full compliance with applicable federal laws. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/year>, at approximately XXXX XXXX I attempted to deposit {$660.00} cash into ATM ID XXXX. The deposit consisted of thirty-three {$20.00} bills. After I inserted the cash, the ATM displayed counting money for approximately XXXX minute, then showed an error message and ejected my debit card. The ATM did not return my cash and the {$660.00} was never credited to my account. I immediately called the customer service number listed on the ATM and filed a complaint. I was provided a claim ID ; however, I have not received any temporary credit, update, or resolution. I am a divorced XXXX and mother of XXXX children. The loss of these funds has created a significant financial hardship and has affected my ability to provide for my family and pay for necessary household expenses. I am requesting that the bank immediately investigate the malfunction involving ATM ID XXXX on XX/XX/year>, at approximately XXXX XXXX., review the ATM records and surveillance footage, and promptly credit the missing {$660.00} to 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 monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I am filing this complaint regarding inaccurate late payment notations currently appearing on my Department of Education XXXX Nelnet student loan accounts as reported by XXXX. My Nelnet accounts were in an approved forbearance status during the exact period for which late payments were reported. I have a written email directly from Nelnet confirming this forbearance status. A payment can not be considered late when an account is in an approved forbearance no payment was contractually due during that period. I submitted this Nelnet email as supporting evidence with my formal dispute to XXXX. Despite receiving this written confirmation directly from the loan servicer the bureau completed its investigation and responded that the information was accurate and would remain unchanged. I am respectfully asking the CFPB to review this matter. The furnisher 's own written communication confirms the forbearance was in place during the disputed period. I have enclosed the Nelnet email. I am respectfully asking the CFPB to review this matter and require XXXX to conduct a proper reinvestigation using the documented evidence I have provided. The furnisher 's own written communication confirms the forbearance was in place during the disputed period. I am asking that the inaccurate late payment notations be corrected or removed from all associated Nelnet accounts on my credit report so that it accurately reflects what the loan servicer itself has confirmed in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding LLC is reporting a collection balance of {$1700.00} on my XXXX credit report, originally from XXXX XXXX Bank. On XX/XX/2026 I sent a formal debt validation request to XXXX requesting proof they legally own this debt, the original signed agreement, and complete payment history. They have not provided any validation. I am disputing this account as I can not verify the amount is accurate or that they have legal right to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am submitting a complaint regarding fraudulent accounts opened without my authorization. During a prior personal relationship, my personal information was used without my consent XXXX open credit accounts. I did not apply for or authorize these accounts. At the time, I believed the individual responsible would resolve the matter, but I later discovered the accounts remained unpaid XXXX were placed into collections. The accounts include : * XXXX Bank account ( ending in XXXX ), currently being collected by XXXX XXXX XXXX XXXX * XXXX XXXX Bank account ( ending in XXXX ), currently owned by LVNV Funding LLC XXXX serviced by Resurgent Capital Services I affirm that these accounts are the result of identity theft and were not opened or authorized by me. I am actively attempting XXXX obtain my FTC Identity Theft Report, which is currently inaccessible due XXXX a system issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I am filing this complaint regarding multiple collection accounts being reported on my credit report that I have formally disputed and requested validation for, but have not been properly verified. The accounts include : Caine & Weiner Account XXXX XXXXXXXX {$810.00} I previously submitted disputes and debt validation requests to these companies. It has now been over XXXX days, and I have not received proper validation of these debts. Instead, the accounts continue to be reported on my credit file. The companies have failed to provide competent evidence that I am legally obligated to pay these debts. Specifically, they have not provided : Any signed contract or agreement bearing my signature Full account-level documentation or payment history Proof of assignment or legal ownership of the debt Despite this, they continue to report these accounts to the credit bureaus, which is inaccurate and damaging to my credit profile. I believe these actions violate federal law, including : Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) : Failure to validate the debt and continuing collection activity FDCPA 15 U.S.C. 1692e : Misrepresentation of the debt Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ) : Failure to conduct a reasonable investigation FCRA 15 U.S.C. 1681e ( b ) : Reporting inaccurate or unverifiable information FCRA 15 U.S.C. 1681i ( a ) : Failure to properly investigate disputed information Additionally, at least one account was reinserted on my credit report without proper notification, which may violate FCRA 1681i ( a ) ( 5 ) ( B ). I am requesting the following resolution : Immediate deletion of all listed accounts from my credit report Cease all collection activity on these accounts Written confirmation that these accounts have been removed These companies have had sufficient time to validate the debts and have failed to do so. Continuing to report unverifiable information is harmful and unlawful. If these matters are not resolved, I am prepared to pursue further legal action for willful noncompliance. I request a prompt investigation and resolution of this complaint. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
My grandson and I sold a property we equally owned, the check from XXXX title was made out to XXXX. XXXX and XXXX XXXX i just looked at the deposit in my account and it says only XXXX XXXX. They had yelled at my grandson to set back the accounts in both our names. They're not going to allow my grandson to be on the count. It's over a XXXX so they're going to XXXX my grandson. They put that he didn't deposit the check when he had designed the check too. And his name was on the check too Fifth Third Bank robs and seals from people. This is elderly abuse against me. XXXX XXXX has my power of attorney. They are lying. They feels like they're stealing from me. They're stealing from XXXX, XXXX. This is a lot of money to steal. I want people fired over this. I want my money. XXXX XXXX wants his money.I want another bank.I do not feel safe with fifth third bank if two people sign a check, how are you going to lie on the deposit? And say it's only in one person 's name. They told presenting the enter to get back.He could not do anything with the account they told me I could never get cash out. They would give me permission for what they would make. A cashier 's checkout. For it's all on camera this feels like stealing on on top of everything else. XXXX, the person who opened the account knows I just moved out of the address on my license refused after she lied to me and said she would change it to XXXX. XXXX 's address refused to do that. I changed it on my account. But she is mailing a debit card to wear my son lives next door who if you ask the XXXX XXXX police depar.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: VA

Complaint narrative:
This is additional data from already existing claim. XXXX XXXX Sent debt to waypoint resource group llc. I have never used XXXX XXXX. This was fraud/idenity thief. This not my debt. I have filed with ftc Idenity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SG and Associates
State: AL

Complaint narrative:
Stafford have been contacting about the debt, I have asked them to show proof and chain of ownership and never received it.

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 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Several years ago, I was contacted by Venmo, claiming that my account had been fraudulently accessed. I had used Venmo, maybe XXXX or XXXX, very sparingly, but I followed their suggestions and attempted to reset my password. Since that time, I have been unable to make any changes to my account, correct any supposed issues with my security settings, or successfully contact anyone at Venmo to resolve this problem. I have been sent numerous messages and emails requesting my attention, despite clearly asking to close the account. This had amounted to fraudulent or ( at least ) utterly insufficient customer service, now bordering on consumer harassment. I want nothing to do with this company, I want them not to communicate with me anymore or use my data in any way. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Merchants Adjustment Service, Inc.
State: AL

Complaint narrative:
Merchant have been contacting me about a debt. i have asked them to provide proof of debt and chain of ownership and which they have not done. the debt is showing as a open account # XXXX and charged off. Merchant is on the Bad debt collectors list

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 2026-04-20 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I am filing a complaint against World Omni Financial Corp. regarding their failure to validate a debt they are reporting. On XX/XX/XXXX, I sent a written request for validation of the debt ( received XX/XX/XXXX ). I requested documentation including the original contract, payment history, and how the balance was calculated. As of today, I have not received any response. Despite this, the company continues to report the account to credit bureaus and has verified the account to XXXX, while failing to provide validation to me. The account has also shown inconsistencies, including a balance increase after charge-off and changes in payment history. Due to the failure to provide validation and the inconsistent reporting, this account can not be considered accurate or reliable. I am requesting deletion of this account from my credit reports if it can not be fully validated in compliance with applicable laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
b'I am disputing an inaccurate, derogatory item being reported by Credit Collection Services (CCS) for an alleged debt from XXXX XXXX XXXX XXXX. (Account XXXX) in the amount of XXXX. I never entered into a contract or insurance policy with this company. While I made a preliminary inquiry for a quote, I never authorized coverage, signed an agreement, or received services. On XXXX XXXX XXXX, I sent a formal Dispute and Debt Validation Letter via Certified Mail (Tracking XXXX XXXX XXXX XXXX XXXX XXXX) demanding proof of a signed contract. CCS has failed to provide any validation of the debt while continuing to report this inaccurate information to XXXX, XXXX, and XXXX in violation of FDCPA 1692g and FCRA 623.'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
I applied for a title pawn in Georgia with Title Max in XX/XX/year>. My account was paid up through XX/XX/year> and I told the company I would pay XX/XX/year> late. When I logged in to pay my {$370.00} ( 30-day ) loan reinstatement payment, it had increased to over {$500.00}. I went back to read my contract to understand the associated fees and the language of the contract seems intentionally misleading and does not properly explain the frequency or amount to which additional fees will be applied. I need the contract verbiage to be clear and no ambiguous and I am more than willing to pay what I rightfully owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: TN

Complaint narrative:
XX/XX/2025, I sent a written letter to TrueAccord requesting that they stop contacting me via electronic means and only use the U.S. Post Office. I also requested proof that they were authorized to collect on the debt, proof of what the debt was, and a breakdown of what was owed. Following that letter, the text messages did not stop. XX/XX/2025, I sent a second copy of the letter, this time via certified mail, for which I have tracking and proof of receipt. Again, nothing changed, and I continue to receive text messages, sometimes multiple times per week with no change as requested, and none of the requested information or proof shared. I believe this to be a violation of my rights under FDCPA.

Company response to consumer: Closed with explanation