vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Lending Services LLC
State: SC

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to request assistance regarding inaccurate and improper credit reporting related to a vehicle repossession by a furnisher on my consumer credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), furnishers of information have a legal obligation to provide accurate, complete, and truthful information to consumer reporting agencies. Additionally, under 15 U.S.C. 1681s-2 ( b ), once a dispute is filed, furnishers are required to conduct a reasonable investigation, review all relevant information, and correct or delete any inaccurate or unverifiable data. 

Despite disputing this repossession with the credit reporting agencies, the furnisher has continued to report inaccurate and misleading information, including but not limited to : Improper reporting of the repossession status Inaccurate balance information Failure to update the account to reflect accurate post-repossession details Failure to provide verification supporting the reported information This continued reporting has caused significant harm to my credit profile and financial standing. The furnishers failure to comply with its duties under the FCRA constitutes a violation of federal law. 

I am requesting that the CFPB investigate this matter and require the furnisher to : Provide proper verification of the repossession information, or Correct or delete any inaccurate, incomplete, or unverifiable information from my credit reports. 

I appreciate your assistance in ensuring compliance with federal consumer protection laws and safeguarding consumer rights. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 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: DISCOVER BANK
State: AZ

Complaint narrative:
I signed up for health insurance on XX/XX/year> through XXXX XXXX who said he was signing me up for an XXXX XXXX plan. After confirming the {$380.00} purchase, I received paperwork from XXXX XXXX XXXX saying I'd been signed up for XXXX XXXX XXXX, which is not what had been discussed. I called to cancel on XXXX XXXX. 

I called again XXXX XXXX to cancel and was hung up on automatically. I called twice on XXXX XXXX to cancel and was hung up on both times automatically. On XXXX XXXX, I emailed the XXXX customer service email to cancel. I followed up via email on XXXX XXXX. 

During this time, I called Discover Credit Card company, which I'd used to make the purchase, to have them cancel the transaction. I was told I had to wait a week to file a dispute with Discover. 

I filed the dispute and lost. On a phone call with Discover on XXXX XXXX, I was told I'd lost the dispute because I didn't cancel my insurance plan before the insurance start date of XXXX XXXX. After reviewing documents provided by the health insurance company, I noted in that same document where it says my insurance had been inactive as of XXXX XXXX. I called Discover again on XXXX XXXX to reopen the dispute using this information and email proof I had requested to cancel the insurance on XXXX XXXX. 

During the XXXX XXXX call, I requested a three-way call between myself, Discover and XXXX health, which was recorded. ( I requested a transcript and copy of that recording on XXXX XXXX and was denied by a Discover supervisor. ) During the call, the XXXX representative confirmed I had canceled the insurance prior to XXXX XXXX and was due a refund to my account. I requested the confirmation of my cancellation in written form via email, and the XXXX representative said she was not authorized to send that type of email. This was also recorded. 

I lost the dispute again on XXXX XXXX. This time when I called, I was told by Discover representatives that it was because I had to cancel by XXXX XXXX. This has not been made clear to me any of the previous times I'd called about the dispute. I was also told I needed proof of a cancelation confirmation from XXXX XXXX. 

On XXXX XXXX, I provided additional evidence to Discover about times I'd tried to contact XXXX XXXX XXXX to cancel via phone -- once on XXXX XXXX, once on XXXX XXXX and twice on XXXX XXXX, where I was automatically hung up on. I found a cancellation confirmation email from XXXX dated XXXX XXXX that I also provided to Discover. 

I have not been able to get the charge successfully disputed despite proving multiple times that I'd tried and that it was canceled, and despite the XXXX XXXX also confirming the charge was canceled and I was due a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
I am writing to formally dispute a debt that Affirm claims I owe. I am requesting validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please note the following : I request a detailed verification of the debt, including the original creditor, the amount claimed, and any documents showing that I am legally obligated to pay this debt. 
I am requesting that all collection activities cease until the debt is properly validated. 
Any reporting of this debt to credit reporting agencies should also be suspended until proper validation is provided. 

I am also submitting a complaint with the CFPB because I have not received proper validation, and I believe this debt may be inaccurate or improperly reported. 

Attached are copies of any relevant documents for your reference. Please investigate this matter and respond promptly. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2026 XXXX XXXX XXXX XXXX XXXX, NY XXXX RE : Formal Request for Debt Validation Under 15 U.S.C. 1692g ( b ) To Whom It May Concern, I am writing in response to a collection notice received regarding an alleged debt that you claim I owe. I do not acknowledge this debt and am exercising my right under the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) * *, to request * * full validation and verification * * of the alleged debt. 

Please provide all of the following information and documentation : XXXX. * * The name and address of the original creditor * *, and the original account number. 
XXXX. * * A full itemized breakdown * * of the debt, including : - Principal - Interest - Fees - Payments or credits applied XXXX. A * * copy of the original signed contract or agreement * * that created the debt. 
XXXX. A * * complete copy of the assignment or purchase agreement * * ( assignment contract ) that shows XXXX XXXX XXXX has the legal right to collect this debt, including the * * chain of custody * * from the original creditor to your company. 
XXXX. The * * date First Source Advantage acquired the debt * *, and from whom. 
XXXX. * * Proof that the statute of limitations * * on this debt has not expired. 
XXXX. Proof of your * * authorization to collect debts in my state * * ( license or registration if required by law ). 
XXXX. Any * * verification provided to credit bureaus * * ( if youve reported this account ), and a statement of your intent regarding continued reporting. 

Until you provide the above information, you must * * cease all collection activities * *, including calls, letters, and any credit reporting, as required by federal law. 

Please note : This is not a refusal to pay, but a request for validation under the FDCPA. Be advised that I am keeping records of all correspondence regarding this matter and will not hesitate to report violations to the * * Consumer Financial Protection Bureau ( CFPB ) * *, the * * Federal Trade Commission ( FTC ) * *, and my * * State Attorney Generals office * *. 

I request that all future communication be in writing only. 

Sincerely, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: GA

Complaint narrative:
I used Remitly to make an express bank transfer of {$500.00} from the United States to an XXXX Bank account in XXXX on XXXX XXXX along with a fee of XXXX XXXX Remitly shows the transfer as delivered, but the money has still not been credited to the ICICI account even though XXXX days have passed. 

Since noticing that the account had not been credited, I have been in contact with both Remitly and the bank for the past XXXX days. However, neither side has given me a clear explanation of what is happening with this transfer. The only information I keep receiving is that they are checking with the bank partner, without any concrete update or resolution. 

Because the transfer is marked as delivered but the recipient has not received the funds, I am very concerned and dissatisfied with the handling of this issue. My Remitly transaction reference number is XXXX. 

I request an immediate refund of the full transfer amount to my original payment method, since the funds have not reached the intended ICICI account despite being shown as delivered. I also expect a clear written explanation of what went wrong with this transaction. 

We also have many customers facing similar concerns with Remitly and their issue also still remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I am filing this formal complaint regarding a collection call on XX/XX/year>, with a supervisor regarding account XXXX. I originally called in an attempt to resolve this debt in good faith, offering a settlement of XXXX XXXX  to XXXX XXXX of the balance. The supervisor refused my offer, stating he could only offer XXXX XXXX He then explicitly told me that if I did not settle for the XXXX XXXX offer, my wages could be garnished or I would be forced to pay court fees. 
I informed the supervisor that I am a resident of North Carolina, where wage garnishment for consumer credit card debt is strictly prohibited under XXXX XXXX XXXX. XXXX. Despite being corrected on the law, the supervisor continued to claim this was a possibility to pressure me into an agreement. Threatening a legal action that is not permitted by state law is a deceptive practice and a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and North Carolina debt collection laws. As a XXXX student, I found these illegal threats to be a form of harassment and bullying.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX  XXXX XXXX. 
Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX Re : Request for Validation and Removal of Inaccurate Information To Whom It May Concern, I am writing to formally dispute and request validation of information currently being reported in my consumer file by XXXX. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to dispute inaccurate, incomplete, or unverified information. After reviewing my XXXX  consumer report, I found account ( s ) being reported that I do not recognize, or that are being reported inaccurately. 

At this time, I am requesting that you provide full verification of the following : The name and address of the reporting financial institution The original account application or signature associated with the account The date the account was opened and closed Proof that I legally agreed to the account and any alleged balance Documentation showing the account is being reported accurately and lawfully If you are unable to provide complete and verifiable documentation, I demand that the account ( s ) be removed immediately from my XXXX  file in accordance with federal law. 

Please be advised that failure to properly investigate and correct or delete unverifiable information may constitute noncompliance with the Fair Credit Reporting Act. 

I expect your written response within the required 30 days from receipt of this letter.

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 2026-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION

Complaint narrative:
XXXXI wish to complain about the unhelpful and stubborn attitude from Websterbank over access to my bank account.XXXXI have had this account from XXXX, when it was the XXXX XXXX XXXX, now Websterbank. I now reside in XXXX XXXX, so my only access is via telephone or onlineXXXXThe problem stems from a visit I made to the USA in XXXX XXXX, when my rental car was broken into in XXXX XXXX, and my cellphone stolen on XXXX XXXX. This was the subject of a Police report. XXXXWhen I attempt to login into my Websterbank account, I can usually do so with a username and password. More recently, it sometime requires, as an additional security check, a code sent to my telephone, the now stolen one! Obviously, this never arrivesXXXXI have now attempted to change the number to my new one, and this has been met with indifference and a point blank refusal to do so. Calling the Websterbank Help number ( XXXX XXXX XXXX ) Is met with a refusal to assist and a semi-robotic chant I cannot help you  I have also called my branch (XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX) and while sympathetic, are unable to assist as they do not have a voice recorder installed, instead they refer me back to the so-called Help number.XXXXFrom time to time, I can login with the extra security check and use the secure messaging system to ask for this problem to be remedied. This is usually met with an unhelpful response and, again, referred to the so-called Help number. A few days before XXXX XXXX, I asked for this matter to be escalated to a responsible and effective person. The reply was that it would take between 3 and 5 business days. I have heard nothing since.XXXXCan you please assist in this matter and enable my change in telephone to occur. I cannot believe this is a rare problem, nor a difficult one to correct.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Credit Corp Solutions Inc.
State: CT

Complaint narrative:
I did a complaint back in XXXX about XXXX XXXX XXXX credit card that I marked as fraud that was on my experian report. Today, I looked at my XXXX  report, and I noticed that it says {$860.00} is in collections at XXXX XXXX XXXX. 

I called XXXX XXXX XXXXk and XXXX said that that it wasnt in collections then he hung up the phone. I then called the collection agency, to explain to them that this should of never been sent to collections as this was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: MO

Complaint narrative:
XXXX XXXX {$560.00} reported a debt that I did not obtain on XX/XX/year> I was incarcerated this a company that is associated with a power bill in a state I did not live in.

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 2026-01-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
Re : Dispute of Inaccurate Credit Reporting FOURSIGHT AUTO LOAN To Whom It May Concern, I am writing to formally dispute inaccurate information being reported on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ). 

The account listed below contains material inaccuracies and conflicting data and must be deleted if it can not be verified with complete and accurate documentation.

Creditor Name : FOURSIGHT Account Number : [ Last 4 digits if shown ] BASIS OF DISPUTE : This account is reporting the following conflicting and inaccurate information : The account reflects a {$0.00} balance The account states the loan has been paid in full Despite this, the account is still reported as In Collections/ Charge-Off Late payment history continues to be reported on a closed, paid account No last payment date is listed Reporting a paid, {$0.00} balance account as charged-off and in collections with late payment history is misleading, inaccurate, and unlawful.

LEGAL VIOLATIONS : This reporting violates the following provisions of the Fair Credit Reporting Act : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting information known to be inaccurate 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation upon dispute Because the information is internally inconsistent and inaccurate, it can not meet the standard of maximum possible accuracy required by federal law. 

DEMAND FOR ACTION : I am requesting that this account be deleted in its entirety unless you can provide complete, verifiable documentation proving : The accuracy of the reported status The validity of the alleged charge-off The accuracy of the payment history being reported How a paid account can lawfully remain in collections If such documentation can not be produced, the account must be removed immediately. 

Please complete your investigation and provide written confirmation of the results within the XXXX period required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, an unknown individual conducted an unauthorized in-branch withdrawal of {$1400.00} from my Wells Fargo account XXXX I did not authorize this transaction and did not give anyone permission to act on my behalf. 

I was in possession of my government-issued identification at all times. Wells Fargo denied and closed my fraud claim stating that an ID and signature were used ; however, this does not establish that I authorized the transaction. 

Due to the seriousness of this incident, I filed a police report regarding the unauthorized withdrawal. A copy of the police report will be attached to this complaint as supporting documentation.

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 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: CA

Complaint narrative:
I disputed XXXX unauthorized fraudulent transactions on my Discover credit card that occurred in XXXX XXXX. These were not made by me or anyone authorized to use my card. 
I promptly reported the fraud to Discover and provided evidence supporting that the charges were fraudulent ( including any relevant details like transaction dates, amounts, and merchant names if available, or descriptions of why they were unauthorized ). I requested a full investigation, including review of my evidence and contact with the merchant ( s ) for verification.

However, Discover closed the investigation immediately without conducting any meaningful review. They admitted it was a mistake on their part and confirmed they did not investigate properly, they did not examine the evidence I submitted, did not contact the merchant ( s ), and did not follow standard fraud dispute procedures.

As a result, the fraudulent charges remain on my account, and I have not received any relief. This mishandling violates my rights under the Fair Credit Billing Act and Regulation Z, which require a reasonable investigation of billing errors, including unauthorized transactions. 
I have attached supporting documents, such as screenshots of communications with Discover where they admitted the error, transaction details, and any other evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
On XX/XX/year>, I was served with a civil summons initiated by XXXX XXXX, Portfolio Recovery Associates ( XXXX ), and their legal representatives XXXX XXXX XXXX, XXXX. for an alleged balance of {$1100.00}. 

Prior to receiving this summons, I repeatedly informed Portfolio Recovery Associates that I am experiencing severe financial hardship, am unemployed, and currently rely on public assistance. Despite this, PRA continued collection activity without addressing my hardship disclosures or offering any meaningful options.

In addition, PRA failed to provide critical information I directly requested : No final notice of determination or written notice indicating that the account would be escalated to litigation.

No explanation for why I am being sued, despite my documented hardship and attempts to communicate.

No clarification of my rights, including why I was told I could only speak with an attorney after finally being notified of the lawsuit.

These actions raise serious concerns regarding : Failure to provide required notices under the Fair Debt Collection Practices Act ( FDCPA ).

Failure to provide clear, accurate, and timely information about the debt and litigation.

Ignoring documented financial hardship, which may constitute unfair or abusive practices.

Restricting communication by insisting I speak only with an attorney, which obstructs my ability to resolve or understand the matter.

I am requesting the CFPBs assistance in reviewing the conduct of XXXX XXXX, Portfolio Recovery Associates, and XXXX XXXX XXXX, XXXX, and ensuring that : 1. I receive all required notices and documentation.

2. The companies explain why litigation was pursued despite my hardship disclosures.

3. The companies correct any violations of federal consumer protection laws.

4. Collection activity is paused until proper documentation and explanations are provided.

If you want, I can also prepare : A timeline to attach to the CFPB complaint A separate letter to PRA demanding validation and procedural compliance A response to the court if you need to file an appearance or answer

Company response to consumer: Closed with explanation