vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 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: KS

Complaint narrative:
LVNV is fraudulently reporting the age of account to credit bureaus in a attempt to take legal action on 3 accounts that are past the statute of limitations and can no longer attempt to file or take legal action. They are knowingly re-agging all 3 accounts. That's illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I sent this email to the company after getting a email in demand ofr the debt : " XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXX ( 18 hours ago ) to PRA_Disputes I am requesting a validation letter on my account. I am asking for validation of the Account and I am asking that you show proof that you have permission to collect this debt. I sent this email to the fraud as well. I asked on several occasions for you to provide this to me and you refused to do so. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Nelnet is refusing to process a federal refund for the XXXX XXXX XXXX XXXX because my loans are 'Paid in Full. ' The Department of Education has authorized this relief for all borrowers from XXXX. I have updated my address, but Nelnet refuses to confirm the status of my refund check

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
I received a letter months ago from Midland XXXX Management about an account I never opened with them, I tried to dispute ample times on the grounds of the contract being fraudulent. No one every provided The Flow agreement, transfer assignment, bill of sale, nor the original contract. These things were never provided prior to putting fraudulent information on my credit report which is a violation. They can't provide any of the prior information because I never had any contract with this company. Also, the Supervisor XXXX XXXX admitted that Midland Credit Management now owns this debt. My personal information was solicited without mt consent/ My Social Security number being one. This violates multiple consumer laws. Also this has caused serious issues concerning my personal credit history and development. I need this resolved ASAP. 
The amount was for {$340.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
In XXXX of 2019 this company not only ran my credit without getting my consent. This loan is a result from my mother. I have since then sent in many fraud packets and police report proving that I was not aware of this loan. The installment contract was made using electronic signatures making it nearly impossible to prove that I was not aware of being on this contract. The primary owner XXXX XXXX who is my mother is out here working 3 jobs and getting approval for cards any building her credit while I am sitting here struggling. For the past 7 years Ive been disputing this activity not only through the creditors but also the crediting agencies. At this point I feel like I am stuck being a victim of identify theft and just being told that I cant do anything but just live with it. The account was closed with monetizing into the account but is still reporting with delinquent comments.

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 2026-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am submitting this complaint regarding mishandling of my mortgage loan after completing a Trial Period Plan ( TTP ) with XXXX prior to loan transfer in XX/XX/XXXX. After COVID-19 ( XX/XX/XXXX ) forbearance ended, my loan modification did not honor the TPP terms : loan balance increased, escrow improperly added to principal, FHA partial claim misapplied, monthly payment materially higher, and loan term extended 14 years ( Exhibit Prior written requests for correction and accurate account information were submitted and ignored ( Exhibits 78 ). This conduct constitutes willful violation of RESPA ( 12 U.S.C. 2605, Regulation X ), TILA ( 15 U.S.C. 1638, 1641, Regulation Z ), and breach of contract. 
I have attached Exhibits 18 for review and reference. 



Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
I am creating this report because there is an account on my credit report from Experian, Equifax and Transunion that is not mines and have my personal information without my consent. I did not authorize this, and it needs to be removed. It is making it hard for me to apply for anything including a house for me and my family. Also, my name is not spelled XXXX XXXX, my name is spelled XXXX XXXX XXXX I need that corrected as well ... It is a collection account from Jefferson Capital System, and the original is XXXX who sold my information to them without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Gentlemen -- I am writing to you as I have not been able to resolve my issue via numerous phone calls with Customer Service or the resolution center on the Paypal portal. 

On XX/XX/year> there was fraudulent activity on my Paypal account totaling {$440.00}. I filed a dispute with Paypal and also my bank since it resulted in an overdraft. ( {$510.00} fraudulent payment to XXXX, XXXX refunds {$70.00} and {$2.00} -- net is {$440.00} ) On XX/XX/year>, Paypal refunded {$440.00} and my bank refunded me {$510.00}. On XX/XX/year>, Paypal sent an email demanding that I pay back what my bank refunded me, {$510.00}. 

On XX/XX/year>, I paid Paypal back {$510.00}. Balance in my Paypal account after this transaction was {$0.00}. 

On XX/XX/year>, Paypal reversed its original refund of {$440.00} and is demanding that I pay that back. I don't owe this! Yet Customer Service tells me they don't have the " power '' to reverse it. I have spent hours on the phone with Customer Service -- each time they try to escalate to a XXXX, the call disconnects. 

Paypal is hounding me to pay back the {$440.00} with constant emails and text messages. I have emailed Paypal VPs with backup that clearly shows I don't owe them with no response...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Date of Transaction : XX/XX/year> ; The Amount of Money Financed by business finance company, {$29000.00} ; What the business committed to provide you : Installation of a new HVAC system & ductwork and provide financing for Deferred Payment Plan NO PAYMENTS | NO INTEREST FOR ONE YEAR! ; What is the Nature of the dispute : Incorrect Deferred Payment Arrangement was inputted into the application by XXXX XXXX of XXXX & XXXX on XX/XX/year>. The agreed upon Deferred payment plan was NO PAYMENTS | NO INTEREST FOR ONE YEAR! as advertised on XXXX & XXXX website and a printed version was physically given to XXXX XXXX at the time of the estimate and XXXX XXXX inputted the terms and conditions to the finance company, Service Finance Company , LLC. See attached handwritten documentation detailing the agreed upon Price and Terms & Conditions of XXXX Year Deferred Payment that I personally wrote and XXXX XXXX personally signed - XXXX XXXX signature and telephone number ( XXXX with a hand drawn mustache as he stated there were XXXX people named XXXX in the company ) ; Whether or not the business has tried to resolve the problem : XXXX & XXXX and its finance company XXXX XXXX XXXX XXXX have failed to communicate with me and resolve the Deferred Payment Issue. See attached documentation detailing my correspondence & telephonic communications to resolve this issue. ; On XX/XX/year>, I sent a " NOTICE OF ERROR '' to SERVICE FINANCE COMPANY, via certified mail, return receipt which was received and signed for. To date, XXXX XXXX XXXX has not replied and have continued to send invoices which will impact my credit.

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 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> at XXXX, I called Capitol One and spoke to a rep about my options to bring my account current. The rep explained to me if I paid my balances in full that day, then both of my accounts would be restored once the payment posts. With XXXX account ( XXXX ) needing XXXX - XXXX business days to be restored. My other account ( platinum ) would be restored immediately after payment posts. I agreed to these terms and authorized payment in a recorded line. 

The payments posted XX/XX/year>. Both accounts are still restricted. The XXXX account was to be expected ; however, the platinum account shouldnt be based on the terms of my authorized payment. 

On XX/XX/year> at XXXX, I called captiol one. After XXXX transfer I was told that my platinum card will not be restored and that offer never existed. I was not given any other resolution. They did not hold their end of the deal I authorized my payment upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
I got a letter in the mail and I asked for proof of validation. I sent certified with return receipt. more than 30 days have passed. I want this removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Javitch, Block & Rathbone LLC
State: OH

Complaint narrative:
Javitch Block collection Agency purposefully provided an incorrect address in previous attempts to reach out to me. I have never signed any agreement with them. I received a letter this year which was first communication. The letter did not provide the original debtor with any real specifics. 


This account is inaccurate, unverified, and violates the Fair Credit Reporting Act ( FCRA ). Since it does not meet the legal standards for reporting, I request its immediate dismissal. If the furnisher can not provide proper validation, it must be deleted per federal law. This account was opened without my authorization and constitutes fraudulent activity. I have no recollection of applying for or consenting to any agreement with Javitch Block Under 15 USC 1692g ( Validation of Debts ), you are required to provide verification of the debt or a copy of the judgment if I notify you in writing and seeking documentation proving that I consented to this account. Without a valid, legally binding agreement bearing my signature, there is no basis for this account to exist under my name. Since this account was established fraudulently, I request its immediate removal from my credit report and that any collection activity cease. If proper validation within 30 days, you are required to delete this account from my record and stop further collection efforts.

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 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am not aware of these accounts : XXXX XXXX XXXX, XXXX {$2400.00} XXXX XXXX XXXX, XXXX {$2400.00} XXXX {$520.00} XXXX XXXX XXXX  {$230.00}

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 2026-02-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I contacted Experian in XX/XX/year> to confirm the validity of this account that they were reporting in accurate late payments which affected my credit report. The Experian representative informed me that they attempted to reach out to me with the wrong information listed, and that they still reported the inaccurate late payments information, due to the Nelnet balances they had at the time, even though they did not have my correct contact details. I spoke with the Experian representative to ask if the late payments can be removed to resolve that derogatory look on my credit report and if anything can be done and it was ignored. I then sent certified mail requesting to dispute the late payment and requesting documented proof to show if the late payments is accurate information and nothing was received. 

I did the same action with XXXX XXXX and Equifax and due to the inaccurate information reporting on my account XXXX XXXX and Equifax removed the debt completely off of my credit. Experian was the only one that tried to add it back on there after I sent certified mail to request for it to be removed and no documentation was received explaining why they denied or put it back onto my credit report. 

* * Attachments will show when Experian had it removed in XX/XX/year> and then recently added it back to my credit report. Also, TransUnion had it removed. Lastly, I do not have online access to my Equifax but they did mail me documentation proof that this account is invalid and its removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: CA

Complaint narrative:
Paypal & Paypal Credit has suddenly and very substantially worsened the customer experience and financial treatment of payments, including making it very difficult to allocate payments to the highest interest rates.

To my knowledge, this violates credit consumer protections passed after the financial crisis of the XXXX 's. 

My understanding below is after attempting to correct allocation of a payment on XX/XX/XXXX that was not allocated as in prior months to my highest-interest item.

To allocate a payment to higher-interest " special financing '' : 1 ) This is no longer the default, and there is no online way to do this very easily automatable task 2 ) The online XXXX XXXX keeps claiming messages are dropped ( despite their being sent over 10 times. ) 3 ) The XXXX XXXX  then says you have to call customer service 4 ) In a call to customer service, one again has to get past an XXXX XXXX  5 ) After a time-wasting conversation ( likely with an offshore worker ), they claim they will re-allocate relevant payments, but say it will take " one to two billing cycles '' for me to verify this has been done.

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 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
Per the letter I received upon account closure, USAA claims that " We're required to collect information needed to understand our customers and how an account will be used. This information may include, but isn't limited to, the source of funds used to open the account, proposed of the account, anticipated account activity, country of citizenship and occupation. We're writing to inform you that, unfortunately, after multiple unsuccessful attempts to obtain this information from you, we've closed your deposit account ending in XXXX. '' This account was open for XXXX years since I was a cadet at XXXX XXXX. I've banked with USAA that entire time. Not once did USAA reach out to me to inquire about anything. They simply closed my primary checking account. They know my occupation since they've been receiving my direct deposit from the XXXX XXXX for the last 23 years.

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 2026-02-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I'M A 100 % XXXX XXXX XXXX LAST YEAR THIS COMPANY NEWREZ, XXXX / SHELLPOINT MORTGAGE SERVICES bought my VA loan they told me in 6 months i will get a VA reduction in interest % all a Lie, then they told me to apply for a {$50000.00} second or HELOC they told me i was approved and on XXXX it would be funded they lied, now they know i have XXXX and am unable to continue the current payments, they said we will give you 4 months of " Forbearance '' waiving all fees, and interest now they said the employee who made that deal is no longer with the Company. Today the XXXX XXXX said either I pay up the 4 months ++ $ or i will be evicted. I was told by the VA that the Bank is not being responsive nor helpful to me or VA, then I was told there is a massive Federal Civil Class Action case in Massachusetts XXXX Case # XXXX against the very same people NEWREZ, XXXX XXXX SHELLPOINT MORTGAGE SERVICING BANK OF XXXX NEW YORK Since this company XXXX XXXX XXXX XXXX XXXX Records, Racism, Discrimination, Elder Abuse, SEC, IRS Civil Rights/HUD and Fair Housing XXXX with XXXX XXXX FDCPA and XXXX they just today told me they do not care either way they will take my home no matter what they are abusing me as an elderly XXXX XXXX Veteran have continued to misled, lie and alter XXXX/ When both the VA and I asked for a Modification for lower rate and 10 years longer they said no that if anything they will raise the % and still get me evicted and foreclosed on? Leaving another XXXXXXXX XXXX on the Streets they know i have been going thru many Medical Issues from XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX 's and more the VA XXXX sent them as i did my current health and am unable to pay the increased amount but they refused to assist and said I will be " Booted '' out soon

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 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
This complaint is a follow-up to previously closed CFPB complaints XXXX and XXXX involving Wells Fargo. I am requesting a second review of my fraud claim and your decision to deny reimbursement. 

The fraudster advanced funds from my credit card, transferred those funds into my checking account, and then increased the daily transfer limit. I did not authorize any of these actions. I did not request a cash advance. I did not approve a transfer. I did not approve a limit change. 

At the time this occurred, I was on the phone with the individual committing the fraud. Wells Fargo sent an email alert about unusual activity. I did not see it because I was actively being deceived. I never confirmed the transaction with Wells Fargo. I never verified that these transfers were legitimate. Despite this, the transactions were allowed to proceed. 

Your public statements describe advanced fraud monitoring and risk evaluation systems that monitor unexpected login attempts and out of pattern transactions in real time. A credit card cash advance, immediate transfer into checking, and a change in daily transfer limits is clearly out of pattern for my account. These actions should have triggered intervention and a hard stop until direct confirmation was obtained. 

Your website also states that Wells Fargo works with trusted cybersecurity partners and shares fraud intelligence across the industry to stay ahead of scams. The scheme used against me follows a well known pattern of social engineering and account takeover fraud. Given your stated industry partnerships and fraud intelligence sharing, this activity should have raised heightened concern. 

In addition, Wells Fargo highlights coordinated efforts with law enforcement to investigate fraud and respond quickly to threats. I am asking that my case be reviewed through that lens. The activity on my account reflects coordinated criminal conduct, not an authorized transaction dispute. 

I reported the fraud as soon as I realized what had occurred. I cooperated fully with your investigation. I am asking Wells Fargo to review how these transactions passed through your monitoring systems without confirmed authorization and to reconsider reimbursement of the stolen funds. 

Please reopen my claim and provide a detailed explanation of the fraud detection review conducted on my account, including what safeguards were triggered and why the transfers were not blocked pending confirmation. 

I respectfully request full reimbursement.

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