vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
After reviewing my Consumer Report, I noticed the Collection Agency LVNV Funding LLC was reporting on my report. Therefore, I sent a Certified Mail Letter on XXXX XXXX, 2025, to LVNV Funding LLC, requesting Validation of the alleged Debt! LVNV Funding LLC, have yet to respond to my request.

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: IL

Complaint narrative:
In XX/XX/XXXX, Waypoint Resource Group appeared on my credit report under the collection category. They are attempting to collect a debt of {$310.00}, purportedly owed to Comcast Communications. I want to clarify that this debt is not mine. I have never been a customer of Comcast, nor have I received any notification or proof that I am responsible for this debt. Additionally, I was a victim of identity theft in XXXX, which may be related to this account. I possess a law enforcement report confirming that I was the victim of identity theft, and that this incident was reported to all three credit bureaus. I request that this inaccurate account be investigated and removed from my credit report.

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: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
I am submitting this complaint regarding Revvi Card Services and the inaccurate handling of an account that was included in my XXXX XXXX bankruptcy. This account was charged off prior to my bankruptcy filing and was included in my XXXX XXXX case. Despite this, the response I received from Revvi states that their reporting is accurate based solely on their internal records, without acknowledging or addressing the bankruptcy. Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to report information accurately. Once an account is included in a XXXX XXXX bankruptcy, it must be reported accordingly, typically as Included in Bankruptcy with a {$0.00} balance, and must not reflect a past due or collectible status. Revvi failed to conduct a reasonable investigation by ignoring the legal status of the account following my bankruptcy. Their response did not address whether the account is being reported in compliance with bankruptcy reporting standards, nor did they provide documentation supporting the accuracy of their current reporting. I am requesting that this account be corrected immediately to reflect its inclusion in bankruptcy, including a {$0.00} balance, or deleted entirely from all credit reporting agencies if it can not be accurately reported. Please investigate this matter and ensure compliance with all applicable laws.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: OK

Complaint narrative:
I am filing this complaint regarding my auto loan with Credit Acceptance Corporation. I obtained the vehicle and entered into the loan agreement in XXXX 2024. Since that time, I believe I have been charged incorrectly and that the balance being reported and/or collected is higher than it should be. I have concerns about how my payments have been applied, including potential misapplication of payments, excessive fees, or inaccurate interest calculations. The current balance does not align with my understanding of the original loan terms and the payments I have made. I have not been provided with a clear and complete accounting of my loan, including a full payment history, breakdown of principal versus interest, and itemization of any fees or charges added to the account. Without this information, I am unable to verify the accuracy of the balance being reported. I am requesting that Credit Acceptance Corporation conduct a full review of my account and provide documentation supporting the balance, as I believe I have been overcharged.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: OK

Complaint narrative:
I am filing this complaint regarding a collection account being reported and/or pursued by Radius Global Solutions LLC in connection with an alleged debt originally associated with XXXX XXXX XXXX I do not recognize this account and did not authorize its creation. This matter is the result of identity theft, which I have formally reported to the Federal Trade Commission ( FTC Report Number : XXXX ). According to my records, fraudulent activity began around XX/XX/XXXX, and I discovered the issue in XX/XX/XXXX. The account reflects a balance of approximately {$480.00}, which is not valid and was not incurred by me. I have never entered into any agreement with XXXX XXXX for this account and have not received proper validation of the debt. No signed agreement, billing statements, or documentation has been provided to verify that I am responsible for this obligation. Despite this, the account has been placed into collections and is being reported or pursued without sufficient verification. This has negatively impacted my financial standing. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am formally disputing this account as fraudulent and the result of identity theft. I request a full investigation into the origin and handling of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: QUALITY ACCEPTANCE LLC
State: CA

Complaint narrative:
To Whom It May Concern, This letter serves as a formal notice that I dispute the validity of the alleged account you are reporting under my name. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692, and the Fair Credit Reporting Act ( FCRA ). I hereby demand that Quality Acceptance LLC cease and desist from all collection activities, including but not limited to phone calls, letters, and credit reporting related to this account. Under 15 U.S.C. 1692g, you are required to provide proper validation of this debt. As of this notice, I have not received sufficient documentation proving that I am legally obligated for this alleged account. Therefore, you must provide : The name and address of the original creditor A complete account history Copies of any agreement or contract bearing my signature Proof that you are legally authorized to collect on this debt If you can not provide the requested validation, you must immediately : Cease all collection efforts Remove this account from all credit reporting agencies, including XXXX, XXXX, and XXXX Be advised that reporting inaccurate, incomplete, or unverified information to credit bureaus may constitute violations of the FCRA. Continued collection activity without proper validation may also violate the FDCPA. Furthermore, pursuant to 15 U.S.C. 1692c ( c ), you are hereby notified to cease all communication with me except to provide validation or confirmation of account deletion. Failure to comply with this request will result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. I am also prepared to pursue legal action for any violations of federal law. This letter is not a refusal to pay, but a notice that your claim is disputed and must be validated. All future communication must be in writing only.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
Complaint Against Transworld Systems Inc. ( TSI ) Collection Activity on XXXX XXXX Account I am filing this complaint regarding Transworld Systems Inc. ( TSI ), the third-party collection agency currently attempting to collect on a XXXX XXXX account allegedly charged off by the Exchange Credit Program . TSI has reported and attempted to collect on this account but has failed to provide proper validation of the debt despite my requests. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, a consumer has the right to request validation of a debt from a collection agency. Once validation is requested, the collector must provide verification of the debt before continuing collection activity. In my case : I requested verification and validation of the alleged debt. TSI has not provided any documentation validating the debt, including the original contract, payment history, or proof of the amount claimed. TSI continues to report and attempt to collect the debt without providing this legally required validation. The balance also appears to include additional interest or fees that have not been explained or documented, and I have received no breakdown showing how the current balance was calculated. As of today, I have not received any written validation or documentation from Transworld Systems verifying the debt they claim I owe. Because of this, I believe TSI is engaging in improper collection activity and inaccurate reporting by : XXXX. Attempting to collect a debt without validating it after a request. XXXX. Reporting and pursuing collection of a balance that has not been substantiated. XXXX. Adding unexplained fees or interest without providing an accounting. I am requesting that the CFPB require Transworld Systems Inc. to : Provide full validation of the alleged debt, including the original contract, full payment history, and explanation of all fees and interest added. Cease collection activity until proper validation is provided. Correct any inaccurate reporting to the credit bureaus if they can not substantiate the debt. Additionally, if Transworld Systems Inc. is unable to provide proper validation of this alleged debt, I request that the account be removed from my credit reports and that all collection activity cease immediately. Continuing to collect or report a debt that can not be validated may constitute violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I am willing to resolve legitimate debts ; however, I can not do so when a collector refuses to provide basic validation or documentation required by law. XXXX XXXX XXXX, Alabama

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NJ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: CT

Complaint narrative:
I used coinbase for almost 10 years. Recently signed up for their credit card and also paid for an entire year of coinbase one since they offered me a discount. Out of nowhere they locked my account. After more than 20 hours they still have not refunded my almost {$3000.00} that I paid for my coinbase one yearly account. I even went to the credit card and was transferred to a dial tone 5 times. They literally teach their employees to not help. It is the most disgusting thing I have ever seen. I paid for something and they did not provide it and are not giving me my money back. Do not trust them even a little.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CO

Complaint narrative:
The company is refusing to tell me how I violated the terms and conditions they close my account without my permission or with even out of warning they deleted my external bank cards to where I can't even get my money off my account now I keep buying a bill cuz I keep telling me I buy there in terms of conditions I can't find an appeal over and over again we had many of mine walked on this account for over 2 months and they're is no way for me to get it off because I got all new debit cards because my other accounts have been compromised and only it's going to let me Link card as if I have one of those debit cards that I no longer have access to

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: WV

Complaint narrative:
They call from various numbers multiple times a day even after I asked them to stop calling me. Dating back to XXXX of XXXX to current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I have tried contacting XXXX XXXX over and over and can not speak XXXX anyone. The debt amount is for {$3700.00} and I set up a payment plan on their website but never received any confirmation.

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 — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am filing a formal complaint regarding an inaccurate and unverified collection account being reported in my name for {$500.00}, allegedly related to XXXX equipment charges. In XXXX 2025, I became aware of this collection account after noticing it on my credit report. I immediately contacted the collection agency to dispute the debt. I was informed by the agencys representative that the balance was allegedly for equipment charges owed to XXXX. I advised the representative that : I had never received any notice of these charges from XXXX or the collection agency. I had previously received a final bill from XXXX for approximately {$100.00}, which was paid in full. No other invoices or statements have ever been provided to me. I requested an itemized statement detailing the alleged {$500.00} charges. The representative stated she was unable to determine what the charges were for and advised that she would submit a request to XXXX for additional documentation. I was told I would receive a followup.I never received a call back, written response, or itemized invoice explaining these charges. To date, the collection agency has failed to validate the debt. Additionally, when I contacted XXXX directly, they stated they were unable to provide an itemized statement and advised that the collection agency was responsible for supplying the details of the charges. As a result, neither party has been able to substantiate the debt. Due to the lack of validation, I filed a dispute with XX/XX/XXXX on XX/XX/scrub>, 2025. The dispute was resolved on XX/XX/scrub> 2025, and the account was removed from my XX/XX/XXXX credit report. Despite this resolution, the account continues to be reported as outstanding, which is inconsistent with the XX/XX/XXXX outcome and remains inaccurate. Reporting an unverified debt violates the requirement that furnished information be accurate and substantiated. I am requesting that : The collection account be permanently deleted from all credit reports. The collection agency cease all collection activity related to this account. Written confirmation be provided that the account will not be rereported. I am submitting this complaint due to the failure of the collection agency and the original creditor to validate the debt despite multiple requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I needed to do laundry. Before leaving home, I called the laundromat to confirm they had a working ATM, as I had no cash. They confirmed they did. I arranged an XXXX to get there since I do not have a driver 's license. When I arrived and inserted my TD Bank debit card into the ATM, the transaction was flagged for fraud and my card was locked. I received a text alert asking me to confirm the transaction was mine. I confirmed it was me, but my card stayed locked. I called TD Bank immediately and explained my situation : I was stranded at a laundromat with no cash, no way to pay for laundry, and no way to get home. I also explained that my mother, who has XXXX XXXX XXXX, was home alone. I was transferred to the fraud department. After lengthy discussion, I was told my card would be unlocked within XXXX hours. I asked to speak to a manager and escalated the situation, explaining my mom 's issue being at home alone. The manager said she expedited it, but the time frame stayed the same. I was left stranded with no access to my funds, unable to complete my laundry or get home. Luckily, I remembered I had {$35.00} in XXXX through XXXX XXXX and use the XXXX XXXX card to pay for a XXXX home. My card remained locked for hours after I returned home. TD Bank 's fraud hold policy left a customer of XXXX years stranded despite a disclosed medical emergency, with no mechanism to expedite resolution in urgent circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I am a victim of identity theft and fraudulent loan origination by a dealership. On XX/XX/XXXX, the dealership submitted a finance contract to the lender without my signature or consent. I have timestamped email evidence proving the contract was not even presented to me for review until XX/XX/XXXX at XXXXXXXX XXXXtwo days AFTER the loan was pushed to the lender as a finalized deal. I never opened or signed the electronic DocuSign link. I originally took possession of the vehicle ( VIN ending XXXX ) on XX/XX/XXXX, but after months of financing failures and approximately 20 unauthorized credit inquiries, I returned the vehicle and keys to the sales manager on XX/XX/XXXX. On XX/XX/XXXX, the manager confirmed by phone that the contract would be canceled. Despite the return and lack of a signature, the lender opened an account for {$48000.00} on XX/XX/XXXX. On XX/XX/XXXX, the lender received my formal certified dispute but failed to resolve the fraud. I have filed Police Report # XXXX and FTC Identity Theft Report # XXXX. I am demanding that this unauthorized account and all associated inquiries be blocked from my credit report immediately.

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: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: MIDFIRST BANK
State: TX

Complaint narrative:
I opened this account online after seeing a promotion offering a bonus for meeting certain deposit requirements. At the time of opening the account, I followed all the required steps, including entering all promotional codes. I initially deposited {$100.00} as required, and later deposited over {$1000.00} as stated in the promotion. Some of these deposits were made via transfer from another bank, which typically takes a few days to complete. The funds have already been received in my account and can be verified. In addition, I also received direct deposits into the account and met the stated requirements. Before this issue, I contacted the bank multiple times, and I was told that everything was completed correctly and that I just needed to wait a few more days for the bonus to be credited. However, when I contacted the bank again, I was suddenly told that I am not eligible for the bonus, without any clear or consistent explanation. This is very confusing and misleading, as I relied on the information provided by the bank representatives and fulfilled all the requirements in good faith. I request that the bank review my account, honor the promotional offer, and provide the promised bonus, or give a clear and detailed explanation based on the exact terms and conditions.

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