vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Portfolio Recovery Associates, LLC
State: RI

Complaint narrative:
Dear CFPB, please review the additional information attached. I am filing this complaint because Portfolio Recovery Associates continues to collect and report an alleged XXXXXXXX XXXX XXXX debt for about {$3300.00}, even though I have disputed it several times and requested proper debt validation. I sent certified debt validation requests under tracking numbers XXXX and XXXX. I also previously disputed this matter through CFPB Case No. XXXX. On XX/XX/XXXX, the company responded, but the documents provided were not complete validation. They only provided bills of sale and account statements. They did not provide the original signed agreement, a complete chain of ownership, a full itemized balance, or clear proof that they have the legal right to collect this debt from me. Now the company is pursuing court action under summons reference XXXX, which I received on XX/XX/XXXX, while the debt is still not properly validated. I believe Portfolio Recovery Associates is attempting to collect this debt unlawfully without providing the validation required by law. Under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ), once a consumer disputes a debt in writing and requests validation, the debt collector must stop collection activity until proper verification of the debt is provided to the consumer. I am asking CFPB to please review the attached documents and require Portfolio Recovery Associates to provide complete validation. If they can not validate the debt properly, I request that they stop all collection activity, withdraw or dismiss the court action, and delete or request deletion of this account from all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
Nissan, closed lease XX/XX/XXXX. Was told I would receive a statement for final fees within 60 days ( for disposition fee, etc ). I took good care of the car so they couldn't charge me anything but that and the tax on it. I received a statement dated XX/XX/XXXX showing payment due by XX/XX/XXXX. I called Customer Service to set up a $ XXXX payment plan since I will now have a new car payment ( not with Nissan but with my credit union ). They said I couldn't do a payment plan and the payment in full is due in 45 days or they will send me to collections. They also couldn't charge me extra for mileage and in fact I'm was under their mileage roughly {$600.00} worth which is way more than the fee they are trying to charge me. I am attempting to pay the amount owed, just asking for a little courtesy since my lease agreement is PAID IN FULL no missed or late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have asked numerous times for XXXX to provide proof that they are authorized to collect on this debt by providing an original agreement with my wet signature and a bill of sale from the original creditor. They flat out ignore that request each time as though it is not in writing. Not only will I continue to file complaints with the CFPB, but I will also now be forwarding all past complaint info and responses to the FEDERAL TRADE COMMISSION and the Attorney General in regards to these debts, my requests, and Midlands responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am filing a complaint against Truist regarding what I believe to be an improper extended hold placed on a check deposit in violation of Regulation CC. On Sunday, XX/XX/XXXX, I deposited a {$400.00} mobile check from a XXXX XXXX refund. When I called the next day to ask about the 7 day hold, I was informed that the funds would be available within 1-2 days. However, after waiting the check was still placed on a 7-day hold without proper justification. I was told the hold was due to repeated overdrafts. This is inaccurate. My account has only been overdrawn for 3 days, which does not meet the Regulation CC threshold of 6 or more days required to classify an account as repeatedly overdrawn. I was also told that my account was considered new because it is less than two years old. This is inconsistent with Regulation CC, which defines a new account as one open for less than 30 days. I requested that the check be verified, including confirmation of the routing number, and asked that the funds be released based on that verification. The bank manager refused both to verify the check and to release the funds, without providing a valid explanation that aligns with Regulation CC guidelines. Based on these facts, I believe Truist has improperly applied an extended hold and failed to follow federal funds availability requirements. I am requesting that this matter be investigated, that the bank provide a valid justification for the hold, and that appropriate corrective action be taken.

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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NH

Complaint narrative:
I settled a credit card debt with XXXX who is a secondary debt collector for Resurgent capital. Shortly after I made a settlement payment on XXXXXXXX XXXX website, Resurgent sent me a letter stating that I owe more money than the agreed settlement amount. XXXX sent me an email correspondence on XX/XX/year> stating that the account is resolved and settled and that they will report this information to the credit bureaus. On XX/XX/year> I received a letter from Resurgent stating I owe the remaining principal balance on this account. I emailed Resurgent on XX/XX/XXXX notifying them that the account should be settled. Evidently, XXXX did not clearly communicate with Resurgent regarding this matter. I find these bait and switch practices very deceptive because if a secondary debt collector is partnered with a primary debt collector, then all pertinent details should be communicated in a clear and concise manner. Time is off the essence, and this is affecting me emotionally. Additionally, my credit score rating is suffering as a result. The credit card account name is XXXX XXXX and the account # ends in XXXX. The principal balance owed was XXXX and the agreed settlement amount is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WVH, LLC
State: CA

Complaint narrative:
XX/XX/year> landlord emailed me a itemized statement showing I owe {$530.00} and if not paid they will send me to collections. I am in the middle of a small claims case with landlord which will take place in court in XX/XX/year> at XXXX. XX/XX/year> I get an letter in the mail from landlord collection agency XXXX demanding a significantly higher amount then what was given to me on my itemized move out statment, {$3500.00} was the amount. I told the collection agency they had to verify the debt owed as it is wrong and I am suing the landlord for my entire deposit back. They said they dont have to verify anything and that me suing their client means nothing.

Company public response: Company believes the complaint is the result of a misunderstanding
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to notify you that I am a victim of identity theft and to dispute fraudulent accounts appearing on my credit report. my information also was stolen and leaked in a data breach with my social security number and diver license. I did not authorize or open the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are not mine and were opened without my knowledge or consent. under code 15 USC 1681c-2

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 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
This debt was XXXX XXXX and is now assigned to Spring Oaks Collection Agency amount {$1000.00} opened XX/XX/year>. According to the fair credit reporting act. this creditor has violated my rights 115 US C1681 section 602 since I have a right to privacy 115 US C1681 section 604A section 2 also states that the consumer reportingo agency can not prevent permission account without my written instructions. Under 15 ISC 1666B a creditor may not treat a payment on a credit card account under an open consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: CA

Complaint narrative:
I am filing this complaint regarding a debt of {$470.00} ( Account # XXXX ) being collected by IQ Data XXXX. Since XX/XX/XXXX, I have made five ( 5 ) separate good-faith attempts to resolve this matter via written correspondence sent through certified mail. The first letter was sent in XX/XX/XXXX, with subsequent follow-up letters sent monthly thereafter, including my most recent 5th letter sent on XX/XX/XXXX. Each letter included an offer to settle the debt in full via a pay-for-delete agreement, requesting removal of the collection entry from my credit report upon payment. My most recent letter included a response deadline of XX/XX/XXXX, which has now passed without any communication from IQ Data XXXX. Despite these multiple good-faith attempts to negotiate a resolution, IQ Data XXXX has failed to respond to any of my written correspondence or acknowledge my settlement offers. Their refusal to engage is preventing me from resolving this account. I am requesting that the CFPB intervene to facilitate a response from the company so this debt can be resolved once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: CA

Complaint narrative:
I obtained a {$1200.00} installment loan from River Valley Loans ( Wahido Lending ), a tribal lender based in XXXX XXXX, SD. I made XXXX payments of {$320.00} totaling {$2800.00} more than double the principal. The interest rate was not clearly disclosed and far exceeds permissible limits. I sent a formal ACH revocation on XX/XX/year>. The lender is now attempting to collect an additional {$1500.00} despite my revocation and the amount already overpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Red River Credit Corporation
State: OK

Complaint narrative:
I have cXXXX XXXX everywhere I go I walk. the loan company knows and so late sometimes on payment and they keep constantly calling me everyday multiple times, and we talk and I tell them wats going on and it's not good enough,, do threaten me to turn me into debt collector. but deal I take them some money but not the whole payment sometimes and they steadily harass me everyday by phone wanting their money .. as I said I XXXX XXXX I pay them but sometimes not the whole payment. they say calling me at XXXX all the through day and next day it saras again. thyre rude and the car or listen. I'm tired of it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
Solar Servicing LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MD XXXX ( Attn : Legal ) " I am disputing this account because the solar project was never installed. Under the FTC Holder Rule, this loan is invalid because the goods/services were never delivered. I demand close this account and delete the tradeline from my credit report immediately. ''

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 — Funds not handled or disbursed as instructed
Company: FIDELITY CAPITAL HOLDINGS, INC
State: GA

Complaint narrative:
I purchased stocks with fidelity banking on various dates with XXXX XXXX XXXX and the funds just disappeared from my account I asked for it back but there is nothing XXXX XXXXXXXX XXXX XXXX I purchased around XXXX worth of shares maybe XXXX shares and when I went to check it they changed it to only a few shares and droped the amount to like XXXX dollar I would like either the amount I first purchased back as number of stocks or the amount I spent on it for them to just take the money and lower my amount without advising me to sell first it ok. XXXX stock as well was the same lowered and less when I purchased around XXXX and XXXX worth and they wont give the amount I purchased A few others I purchased I don't recall just disappeared from purchase and no reimbursement or anything.

Company response to consumer: Untimely response
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: CL Holdings LLC
State: NJ

Complaint narrative:
I am not liable for this debt with ( XXXX XXXX ) I do not have a contract with ( XXXX XXXX ) They did not provide me with the original contract as requested. Please delete this account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am submitting this supplemental complaint because Bank of America , N.A . has failed to validate or substantiate its assertion that I am personally liable as a guarantor on a business credit account ending in XXXX with an alleged balance of {$72000.00}. On XX/XX/XXXX, I received collection correspondence from XXXX XXXX XXXX XXXX on behalf of Bank of America asserting personal guarantor liability. I disputed the debt and requested documentation establishing any personal obligation, including a signed personal guaranty, the governing credit agreement, complete statements, an itemized balance, proof of default, and proof of authority to collect. Bank of America initially responded with only a bare letter stating that the account was opened on XX/XX/XXXX and that the alleged balance was {$72000.00}. That response did not include a signed guaranty, credit agreement, statements, itemization, or proof of default. After my continued dispute and CFPB complaint, Bank of America sent a later response dated XX/XX/XXXX enclosing a file. Bank of America described this as my initial account application. However, the document appears to be an internal application/account summary file and does not contain a signed, executed personal guaranty or any contract terms establishing personal liability. This still does not satisfy my validation request. An internal application file is not the same as an executed personal guaranty. Bank of America has not produced the legal document required to prove that I personally agreed to guarantee the business obligation of XXXX XXXX XXXX. Bank of America has still failed to provide : A signed personal guaranty bearing my signature ; The full governing business credit agreement; Complete account statements ; An itemized balance calculation ; Proof of default ; Proof of compliance with contractual notice provisions ; and Competent documentation establishing enforceable personal liability. Despite this failure, Bank of America and/or its collection agent continue to assert or imply that I am personally liable. This is misleading because a balance figure and internal application data do not establish personal guaranty liability.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Hello sir I have Scammed two times, two times open Dispute but XXXX never refund my money .I have lost a big amount. XXXX security system maybe week, If not, how can dollars be transferred from an account without permission? I request you to return all my dollars. Don't disappoint me. I am already disappointed with your service. I fell into the trap of an online loan, so they took me to a website saying they would give me a loan. They asked for some information, and after I filled everything out, they showed me an amount.They told me I could only withdraw these dollars via card. So I added my XXXX card just to get the loan amount into my XXXX.But after adding the card, they didn't give me the opportunity to withdraw dollars and told me that if I gave them {$50.00}, they would let me withdraw my loan money. I didn't give them {$50.00} thinking it was a scam, then they closed my account, a few days later I saw on my XXXX statement that the XXXX website XXXX had deducted several dollars. And again XX/XX/XXXX XXXX XXXX I see some more unauthorized transactions. Merchant XXXX XXXX don't understand how this happened, and now I've lost a lot of dollars again.Since I didn't get my dollars back after complaining to them at first, I didn't want to complain. Still, I complained to them again on XX/XX/XXXX. But this time they disappointed me again, my dollars were not returned.I am requesting you for the last time to return my dollars because please I will never use your services again and once the dollars are returned, I will close the account. * * * Please sir I don't have any account this both merchant ( XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX XXXX my account datils Compromised card ( XXXX ) XXXX email : XXXX XXXX Trust me sir I don't make any transaction with this XXXX merchant Sincerely XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing a complaint regarding Wells Fargos denial of my fraud claim. On Friday at approximately XXXX XXXX I was contacted by an individual who impersonated Wells Fargos fraud department. They informed me that my account was at risk and instructed me to move my funds to protect my account. Believing this was legitimate, I followed their instructions. I transferred approximately {$2800.00} through my XXXX XXXX XXXX as directed, thinking I was securing my money. Shortly after, I realized I had been the victim of a scam. I immediately contacted Wells Fargo and reported the incident. I also filed a police report and can provide supporting evidence, including a voicemail left by the impersonator. Wells Fargo denied my claim, stating that the transaction was authorized because I initiated it. However, this was not a voluntary payment. I was deceived and manipulated into transferring my funds under false pretenses by someone impersonating the bank. This situation clearly involves fraud and not a legitimate authorized transaction. I am requesting a full review of my case and reimbursement of the funds lost.

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: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: NJ

Complaint narrative:
Subject : Complaint Regarding Incorrect Remittance Transfer and Delay in Resolution I am writing to formally raise a complaint regarding an international money transfer I made through Remitly to XXXX, which was unfortunately credited to an incorrect bank account due to a one-digit error in the account number. Upon identifying the issue, I immediately contacted Remitlys customer support team. They informed me that they were coordinating with their partner bank in XXXX to investigate and resolve the matter. When I inquired whether I could also follow up directly from XXXX, I was advised that I may do so. As instructed, my family contacted and personally visited the recipient bank. However, the banks customer support team has informed us that the reversal of funds is dependent on the consent or authorization of the unintended recipient. They further stated that they are awaiting a response from the recipient, and no definitive timeline or resolution has been provided. I have already raised a formal complaint with Remitly, but I have not received any meaningful update or progress on the matter so far. This lack of coordination and clarity between Remitly and the recipient bank has resulted in significant delay. Transaction Details and Actions Taken : Date of Transfer : XX/XX/year> Amount Transferred : XXXX Transaction/Referene ID : XXXX Date Issue Reported to Remitly : XX/XX/XXXX Remitly Response/Action : They said they are working with partner bank in XXXX Dates of Follow-up with Remitly : XX/XX/XXXX, and XX/XX/XXXX week, XXXX, XXXX and XXXX ( asked for email confirmation of the status and received email saying they are following up ) Date ( s ) Family Contacted/Visited Bank : XX/XX/XXXX Bank Response/Action : Awaiting consent/authorization from unintended recipient for fund reversal This situation has caused considerable financial stress and inconvenience. I respectfully request urgent intervention to expedite the resolution process and assist in recovering my funds at the earliest possible time. I would appreciate a prompt update on the status of my complaint and clear guidance on the next steps. Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation