vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: ME

Complaint narrative:
Navy Federal Credit Union ( NFCU ) was made aware of a {$500.00} fraudulent ACH transaction within XXXX hour of the transaction being submitted. A reasonable request to cancel the XXXX before processing or otherwise return/recall the XXXX funds was made at that time, with NFCU making assurances that an investigation would take place and efforts to recover would be made. NFCU acted negligently by failing to make any attempt to recover the funds or adequately report the transaction to authorities. Fraud is backed by police and FBI IC3 reports that I had to initiate, business statements I gathered for them, and my own personal attestations. nacha, the governing body behind XXXX transactions has even confirmed that an ACH reversal would have been acceptable to use in this case. NFCU somehow still believes it wasn't fraud. It has been well over a month and I have been lied to and outright threatened by an NFCU representative over the phone in an attempt to rectify with NFCU and am forced to seek legal means of compelling them to return the funds that were lost due to their negligence. Their lack of action has risen to level of criminal behavior for knowingly aiding fraud and failing to report as required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, around XXXX XXXX XXXX, I spoke to XXXX XXXX, and on XX/XX/XXXX at around XXXX XXXX XXXX with XXXX from the banking XXXX, AZ XXXX. XXXX showed no empathy whatsoever. XXXX was stellar with how she handled my query. I spoke with XXXX, and XXXX in XXXX XXXX about a week apart and they advised that within 72 hours my account would be verified. In addition, around XXXX USAA placed me in a terrible situation where I was caused to lose my vehicle due to it being repossessed for nonpayment all because USAA did not want to process the payment where funds in my account were definitely available. That one transaction caused a snowball effect on me falling behind on bills due to late fees and the XXXX this caused me, a XXXX Veteran having served almost XXXX years in service, XXXX months of which was in XXXX, and XXXX months in XXXX. Shortly thereafter I was displaced from my home due to USAA 's neglect toward me, which ultimately caused me to have a significant decline pertaining to the relationships with my children. In XX/XX/XXXX a check was issued for {$380.00} toward fraudulent activity regarding my account of which {$170.00}, was paid for pain and suffering as a onetime payment which I did not receive until XX/XX/XXXX, and told I will have to wait until XX/XX/XXXX for reissue. I submitted my verification documents XX/XX/XXXX. 3 days later is XX/XX/XXXX. My account was finally approved and verified on XX/XX/XXXX. 16 days after, in other words over 80 % more time required for something XXXX at banking stated was egregious, and excessive. XXXX from XXXX XXXX XXXX XXXXXXXX assisted with my account access being unlocked so that I can have access. This is so frustrating to me and has kept me at a standstill for many years. In XXXX, I was employed by XXXX XXXX XXXX providing property adjusting services to the USAA Members that were calling in to file catastrophe claims via the policy. I am beyond dissatisfied and enough is enough. I am holding USAA accountable for taking part in ruining my life, and myself accountable for trusting and believing in USAA. Desired settlement : I am requesting that USAA do their part by making me whole again. My vehicle was repossessed due to USAA 's mishap. I was displaced from my home due to USAA 's lack of quality as it pertains to me as a member of their banking system, in addition to me being a XXXX Veteran.

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 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
XXXX = XXXX is deporting one late payment- and paid in full which is contradictory to being fair and accurate reporting. XXXX = XXXX XXXX XXXX is reporting paid in full/ /charge off/ written off /XXXX balance dates are reporting XX/XX/year> XXXX XXXX # inaccurate reporting by XXXX XXXX XXXX Two accounts XXXX XXXX dates are XX/XX/year> Reporting all inaccurate information I was notified that my personal information was exposed in a XXXX lawsuit And a data breach from XXXX I reached out to XXXX XXXX XXXX about this inaccurate reporting and received a correspondence stating this account was not found in their database and asked the reporting agency to delete the account I was advised to report identity theft and send the report to the credit bureaus for further resolution thats has yet to be solved from the bureaus above

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am filing a complaint regarding Portfolio Recovery Associates , LLC and their handling of an alleged debt. On XX/XX/XXXX, I submitted a written request for validation of this debt. In my request, I asked for documentation showing my legal obligation, a complete account history, and proof of the companys authority to collect. I did not receive sufficient documentation in response to this request. On XX/XX/XXXX, I followed up again and requested proper validation or removal of the account. The company has not provided adequate information to verify the debt. The information provided, if any, appears to be limited to a general account summary and does not include sufficient documentation to substantiate the accuracy of the debt or my legal obligation. Despite my requests, the company has refused further investigation and continues to report this account to credit reporting agencies. I believe this does not meet the requirement to ensure accurate and complete information. I am requesting that the company provide proper substantiation of this debt or remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC
State: MI

Complaint narrative:
b'This company has been calling me every single month since XXXX of XXXX, always the same automatic message.\n\n"Hello, this is XXXX XXXX calling from credit management company. Please contact me or any of our representatives at XXXX XXXX. Thank you"\n\nThe one time I get to talk to a person, they can\'t tell me what the debt is or with what company. I checked my own information and credit and I have nothing in collections in any way. I told them to stop calling me multiple times and to give me everything by mail only. They have ignored all of this. For what I can find it is a scam collections company. This is harassment at this point.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IN

Complaint narrative:
CREDIT XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: NE

Complaint narrative:
I am filing this complaint regarding unauthorized activity on my Robinhood account that resulted in financial loss and involves transactions connected to my bank account through XXXX XXXX XXXX. On or around XX/XX/year>, I discovered a series of transactions on my account that I did not authorize. Funds were used to purchase cryptocurrency and were subsequently transferred out of my account to external wallets without my permission. My Robinhood account is linked to my bank account through XXXX XXXX XXXX. Upon discovering the issue, I immediately reported the unauthorized activity to both Robinhood and XXXX XXXX XXXX. In total, I identified and reported over 80 unauthorized transactions to XXXX XXXX XXXX. Within approximately 48 hours, XXXX XXXX XXXX completed their review and denied my dispute, stating that I was responsible for the transactions. I do not agree with this determination, as I did not authorize these transactions. Given the volume and complexity of the reported activity, a 48-hour investigation does not appear sufficient for a thorough and fair review. Robinhood also conducted a review over several days and informed me that they would be closing my account due to unusual activity. However, they did not provide a clear explanation of their findings and did not reimburse me for the unauthorized transactions. I believe my account was accessed without my authorization. I reported the issue as soon as I became aware of it, yet I have not received a resolution or recovery of my funds. I am requesting that Robinhood and XXXX XXXX XXXX : Conduct a thorough and fair investigation into the unauthorized access and transactions Provide detailed documentation or evidence supporting their findings and decisions Reimburse the funds that were taken without my authorization I have attached all relevant documentation, including transaction history, account notices, and communications with both parties, to support my claim. With XXXX XXXX XXXX ( CURRENT APP ), this is my third attempt with them and each attempt has been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: GA

Complaint narrative:
In XX/XX/year>, the vehicle associated with my auto loan account VW CREDIT # XXXX was involved in an accident and was ultimately declared a total loss. The claim was processed through an insurance policy held by XXXX XXXX. Following the loss, the insurance company issued a payout related to this claim. I have not had possession or use of the vehicle since XX/XX/year>. Despite this, VW Credit continues to report and bill a remaining balance on this account. Based on the documentation in my possession, it is unclear how this balance was calculated or why the insurance payout was not properly applied to the account. I have reason to believe that the account is being reported inaccurately and/or that the insurance funds were not properly credited. I am submitting supporting documentation, including the total loss determination and insurance payout records, to verify my claim. To date, I have not been provided with a clear explanation or documentation showing how the remaining balance was determined after the insurance settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I appreciate Wells Fargos continued review of this matter ; however, their response still does not address the core issue. This is not simply a question of whether the reported information is technically accurate. The delinquency resulted from a breakdown in Wells Fargos processes that prevented me from reasonably accessing and paying the balance. To summarize the key points : - Wells Fargo notified me that the account would be closed if not used by XX/XX/year> - I used the credit card on XX/XX/XXXX and XX/XX/XXXX, and those transactions were approved and posted - Despite this activity, Wells Fargo proceeded to close the account on XX/XX/XXXX - Immediately following closure, the account was removed from my online banking, eliminating my ability to view the balance, access statements, or make a payment After receiving a payment due notice, I attempted to make a payment using the XXXX XXXX links provided by Wells Fargo. However, upon logging in, the account was not visible and no payment could be made. I was not notified that online access would be removed or that I would need to rely exclusively on paper statements. As a result, I was effectively prevented from taking timely action on the account, which directly led to the reported delinquencies and eventual charge-off. While Wells Fargo has stated that paper statements were mailed, I did not personally receive those statements while living abroad. More importantly, I was not informed that online access would be revoked or provided with a reasonable alternative method to access and pay the account. I want to be clear that I am not disputing the legitimacy of the underlying charges. I acknowledge the balance and am willing to resolve it. However, I am requesting that Wells Fargo also acknowledge the role their account closure, access removal, and communication process played in creating this outcome. In an effort to reach a fair and practical resolution, I am willing to settle the outstanding balance promptly if Wells Fargo agrees to make an adjustment to remove the late payments and charge-off from my credit report. This request is based on the fact that, had I retained normal access to the account or been clearly informed of how to access and pay the balance after closure, the account would not have become delinquent. I respectfully request that Wells Fargo reconsider their position and work toward a resolution that reflects the full context of this situation.

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 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I applied for a care credit card to pay for medical bills and downloaded the app. I connected CareCredit, which is operated by synchrony bank, with my checking account from XXXX XXXX XXXX so that I can make payments directly from XXXX XXXX to synchrony Bank using my checking account. I have been making frequent payments to synchrony bank on the app using funds in my checking account ending in a XXXX digit number from which all my payments to synchrony bank have been made successfully and without issue. All of a sudden one of the payments that I made for {$75.00} using the app was rejected. I was notified by phone from synchrony Bank that there is no such account. They told me what the last XXXX digits of the account number was from which they were attempting to draw funds. It was not my account! The numbers are not affiliated with my checking account! I have never heard of an account with that number. I have only ever authorized funds for payment of my outstanding CareCredit balance from my checking account ending in XXXX. It is very clear that there was some type of error made on the side of synchrony bank. Synchrony bank has now charged me and has refused to reimburse me, a {$30.00} return check fee for synchrony banks own erroneous attempted to take funds from a fictitious account number. I should not be charged this {$30.00} fee and Im more importantly very worried about synchrony banks carelessness! Please investigate this matter and make sure that I am reimbursed the {$30.00} that was wrongfully charged to me and that my credit is not adversely impacted due to the error of synchrony bank. I will check the consumer reports to to make sure nothing has been reported that negatively impacts my interests. I have made contact with synchrony bank to tell them that this was a severely distressing error on their part and that they need to reimburse the {$30.00}. And that I have never heard of or owned any account with the last four digits that theyve told me were used to pay down my synchrony bank account amount owed. 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 monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: U.S. BANCORP
State: TN

Complaint narrative:
I bought a house on XX/XX/XXXX and i got the loan from U.S. BANK and that is ARM loan and they told me that when the loan to value reach % XXXX percent i can remove my MORTAGE INSURANCE which i already home my house value around {$580000.00} and i owe {$450.00} which i reached XXXX % XXXX XXXX, i called the mortgage hot line and every time they change the rules and they are lie to e saying i have to reach % XXXX or i need to wait for 5 years and i can ask for removing my mortgage insurance, last time i called was today XX/XX/XXXX and the agent responde that i have to wait one month until XX/XX/XXXX to receive the new guideline email, now they change whatever they are saying every time i request to remove this insurance MY ACCOUNT NUMBER WITH US BANK 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 2026-04-29 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: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
LVNV Funding LLC reported XXXX collection accounts on my credit report totaling {$870.00} and {$2000.00}, both claiming XXXX XXXX XXXX as the original creditor, opened by LVNV 30 days apart. I disputed both accounts and requested debt validation under FDCPA 809 ( b ), including proof of chain of title and the original signed credit agreement. LVNV never provided validation. Despite the unresolved validation demand, LVNV filed a civil lawsuit in XXXX XXXX XXXX ( XXXX, KY ), obtained a default judgment for {$1000.00} ( Case No. XXXX, XX/XX/year> ), and filed a Notice of Judgment Lien on Real Estate against my primary residence under XXXX XXXX. My Social Security XXXX was also confirmed compromised in XXXX separate data breaches ( XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX ), raising questions about whether the underlying XXXX XXXX accounts are connected to identity theft. LVNV has not responded to my validation demand, has not removed the accounts from my credit report, and has not released the judgment lien. The {$1000.00} judgment amount does not match either reported account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/year>, I initiated a wire transfer from XXXX XXXX to Chase Bank in the amount of {$38000.00}. The amount was deducted from my account and sent to Chase. On or before XX/XX/year>, I checked with the recipient to verify that they received my wire transfer. The recipient indicated that they did not receive the wire. I then requested that XXXX initiate a recall of the wire transfer. After about a week of waiting, XXXX indicated that Chase had rejected the recall with no explanation. XXXX is now in the process of requesting the information from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: VA

Complaint narrative:
I dispute the continued furnishing of this tradeline as inaccurate and misleading. My dispute is no longer limited to validation of debt ownership. It is focused on credit reporting compliance and furnishing accuracy. The company has provided origination and assignment paperwork, but that does not resolve whether the tradeline is being reported in compliance with FCRA duties of accuracy and reasonable investigation after dispute. My concerns include : XXXX. A former revolving credit card obligation is being reported as an Other Loan, materially misstating the nature of the account. XXXX. The account is reported as Open, although this is not an active open credit relationship but an alleged purchased collection obligation. XXXX. The XX/XX/year> opened date appears tied to transfer/purchase rather than the original account opening date, creating a misleading chronology and making the debt appear newer. XXXX. The same underlying obligation appears tied to multiple tradelines, creating duplicate/conflicting derogatory harm. XXXX. After receiving disputes, the company relied on generic ownership documents rather than specifically addressing the disputed furnishing fields or demonstrating a reasonable reinvestigation. I request immediate correction of all inaccurate XXXX XXXX furnished data fields across all bureaus, or deletion of the tradeline if full compliant verification can not be established.

Company response to consumer: Closed with explanation