vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been a Wells Fargo customer since XXXX. In or around early XXXX, Wells Fargo informed me that I had been reported as deceased. As a result, I was required to appear in person at a branch and present extensive documentationincluding my drivers license, birth certificate, ATM cardand sign a notarized statement affirming that I am alive. 

Wells Fargo did not request or receive a death certificate, and none exists. Importantly, the Social Security Administration has never reported me as deceased, and no other bank, credit card issuer, or financial institution has reported me as deceased. Wells Fargo was the only institution to make this designation. 

Despite assuring me that the matter would be investigated, Wells Fargo has refused to identify the source of the deceased report, the documentation relied upon, or whether this designation originated internally or from a third party. 

This incident followed prior court involvement in XX/XX/XXXX, when I was forced to obtain a court order to stop Wells Fargo from providing my bank statements to an unauthorized third party who was never a signer or authorized user on my sole account. Despite notice from counsel and my divorce decree, Wells Fargo refused to cease disclosure without a court order. 

Given this history, the erroneous designation of me as deceased and Wells Fargos refusal to provide transparency is deeply concerning. I am requesting regulatory assistance to require Wells Fargo to fully explain the origin of this error, confirm all corrections have been made, and ensure this does not recur.

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 2026-01-24 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: AZ

Complaint narrative:
I am requesting these items be removed and blocked from showing up on my credit reports with all the credit companies. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been XXXX days, and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not appear on my consumer report, as they are in VIOLATION. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I demand the deletion of the listed accounts 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 non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
On XX/XX/year>, i sent {$210.00} through cash app to a cashtag that the app allowed at the time of payment. 
after the payment completed, the recipient account was confirmed by cash app support to be XXXX and inaccessible. 
cash app has stated there is no way for the recipient to accept or return the funds, yet has refused to reverse or return the payment. 
this leaves the {$210.00} stranded with no accessible recipient and no recovery path. 
i am requesting return of unclaimed funds or corrective action to resolve this transaction issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am submitting this complaint because the account listed below was reported as verified without the creditor or collection agency providing proper validation, as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

I previously disputed this account with the credit reporting agencies and requested validation of the debt. In response, the furnisher marked the account as verified, however no documentation was provided to me demonstrating : * A copy of a signed contract or agreement bearing my signature * Proof that I owe the alleged debt * An itemized statement showing how the balance was calculated * Proof that the reporting entity has the legal authority to collect or report this debt * Verification of the date of first delinquency Merely confirming information internally or responding electronically to the credit bureau does not constitute proper verification under the FCRA.

Because the furnisher failed to provide validation while continuing to report the account, I believe this constitutes inaccurate and unverified reporting, which is damaging my credit profile and preventing me from qualifying for housing.

I am requesting that the CFPB require the furnisher to either : 1. Provide full and proper validation of the alleged debt, or 2. Delete the account from all credit reporting agencies if validation can not be produced I am requesting a written response and resolution.

Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing in response to your communication regarding the above-referenced account. This letter serves as a formal request for validation of the alleged debt, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide the following documentation to substantiate this debt : The name and address of the original creditor The original account number The amount of the alleged debt, including an itemized breakdown of any interest, fees, or charges Documentation bearing my signature that shows I agreed to assume responsibility for this debt Proof that your agency is legally authorized to collect on this debt A complete chain of title, showing transfer of ownership from the original creditor to your agency Until you provide the requested validation, you are required to cease all collection activities, including reporting or continuing to report this account to any consumer reporting agency. 

If you are unable to provide the requested validation, I request that this account be removed from my credit reports and that I receive written confirmation of the same. 

This request is not a refusal to pay, but a request for proof that I am legally obligated for the alleged debt. 

Please respond within 30 days of receipt of this letter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I am unable to access my XXXX balance due to a bank verification error. 

Micro-deposits were sent to my bank and received, but the XXXX XXXX  app does not provide any option to verify the deposits. The bank can not be removed due to a pending verification, and I did not receive any verification email. 

XXXX chat, phone, and email support are fully automated and do not allow access to a human agent. My funds are inaccessible due to this unresolved backend verification hold. 

I am requesting that XXXX manually clear the bank verification or release my remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: INDEPENDENCE HOME LOANS LLC
State: MD

Complaint narrative:
I started working with XXXX XXXX from independence home loans on XX/XX/XXXX. When we spoke, she made it sound like she was a federally appointed realtor and mortgage lender, who had special permission to do government refinances. Claimed these were for home owners specifically in my situation, where they had an FHA, and needed money for debt, kids college, etc. said it was a federal grant. It is none of these things, and was a standard cash in hand refinance. 

I started to go through the process with her company, but started to look closer at the numbers and got uneasy. This is because I work on contracts for the government, and some of the information wasnt adding up. My brother is a realtor, so I had him and one of the financial advisors he uses review the loan documents. They immediately located XXXX that should not have been there. So, not only is this woman impersonating a federal official ( pretty sure those types of officials dont exist ), but shes also giving absolutely predatory loans. 

In total, the amount would have been XXXX more over the life of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
I am filing a formal complaint against Sunrise Credit Services for XXXX XXXX with the FDCPA. 

XXXX reported a debt to credit bureaus ( Ref # XXXX ) without sending the required initial notice ( FDCPA XXXX ). 

I verbally disputed the debt in XX/XX/XXXX. Sunrise failed to mark the debt as 'Disputed ' on my credit reports ( Violation of FDCPA XXXX ). 

I faxed a Cease & Desist/Validation demand on XX/XX/XXXX. Sunrise ignored it, verified the debt to Credit Bureaus, and then deleted the account on XX/XX/XXXX to avoid liability. 

On XX/XX/XXXX, I sent a formal Notice of Intent to Sue via Certified Mail ( USPS XXXX # XXXX ) demanding statutory damages for these violations. Sunrise received this notice but has refused to respond or resolve the matter. 

I have attached the Fax Receipt, the Credit Report Screenshots showing the violation, and my Notice of Intent to Sue. I am requesting them to contact me immediately to resolve these statutory violations before I file in Federal Court.

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 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I am filing a complaint regarding PayPals improper handling of unauthorized transactions resulting from account takeover fraud. 
On XX/XX/year>, my PayPal account was used without my authorization to process XXXX payments of {$470.00} each to XXXX XXXX XXXX XXXX, a merchant with whom I have no relationship and whose services I have never used or agreed to. 
These transactions were not authorized by me, were not subscriptions I enrolled in, and were not the result of a billing dispute. They are the result of unauthorized access to my PayPal account. 
I promptly reported the fraud to PayPal and opened Case ID : XXXX, yet PayPal has repeatedly favored the seller by misclassifying this as a service dispute rather than addressing it as fraud. Seller-provided proof does not negate the fact that my account was compromised. 
The fraudulent transactions occurred on the same day, for identical amounts, and were funded through both my bank account and my credit card, which are well-recognized indicators of account takeover. 
Despite these clear indicators, PayPal has refused to refund the unauthorized charges. I have since been forced to file fraud claims with both my bank and my credit card issuer due to PayPals failure to properly investigate and resolve this matter. 
I am requesting that PayPal : XXXX. Reclassify this case as Unauthorized Transaction / Fraud 2. Refund the full {$940.00} 3. Correct any account flags or limitations resulting from this incident PayPals refusal to properly apply its own fraud protections has caused unnecessary financial stress and forced escalation outside of PayPal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: TN

Complaint narrative:
This is the second technical issue that US Bank had in the past two months that has a major impact to my small business. I am not sure how they are allowed to operate in this manner. 
The last complaint was due to their mobile deposit not working. It took 12 days for them to resolve. I could not wait that long and had to drive to a branch 30 minutes away and spend the better part of 2 hours to convince them to deposit them manually. 

The new issue is related to three of my customers paying me through a XXXX online account on XX/XX/year> totaling around $ XXXX. The money has not shown in my account so I contacted the customer service center. They said they knew about this IT issue and sorry, there is nothing they can do at this time. I asked to have the issue escalated and the manager told me the same thing. They both had sympathy on the impact this has to me XXXX XXXX XXXX  but this does not solve the problem of my money being held hostage by their negligence to maintain their technology. 

How many more technical issues will they be allowed to have? If they can not manage the day to operations, how are they maintaining security requirements. I do not have the words to explain my frustration of their immaturity of a technical or banking institution. 

I need them to get the money that was sent to me on XX/XX/year> into my account ASAP.

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 2026-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: NJ

Complaint narrative:
I am submitting this complaint regarding the servicing of my federal student loans and the administration of the Public Service Loan Forgiveness ( PSLF ) program. 

I have been employed full time in qualifying public service for over XXXX years and made payments under qualifying repayment plans with the intent of earning PSLF credit. Throughout this period, I relied on guidance provided by my federal loan servicer and official Department of Education communications to ensure compliance with PSLF requirements. 

During the PSLF Limited Waiver and IDR account adjustment period, which ended in XXXX, borrowers were permitted to consolidate eligible federal loans so that all loans would receive the highest qualifying PSLF payment count. This information was not clearly communicated to me by my loan servicer, nor was I advised that failure to consolidate during this time-limited window could permanently result in staggered forgiveness timelines across my loans. 

As of early XXXX, my PSLF payment tracker reflects that XXXX of my consolidated loans have XXXX qualifying payments and are XXXX payment away from forgiveness. At the same time, several other Direct Loans reflect significantly fewer qualifying payments, solely because those loans entered repayment later, despite being supported by the same period of qualifying public service employment. 

Had I been informed in a clear and timely manner that consolidation during the applicable waiver period would allow my remaining eligible loans to inherit the highest qualifying payment count, I would have taken that action. Instead, due to the lack of guidance, I now face several additional years of required payments on loans that would otherwise have been eligible for near immediate forgiveness. 

I did not receive individualized notice, written guidance, or verbal instruction from my loan servicer explaining that consolidation during the waiver period could materially affect my PSLF timeline. I was also not informed that failing to consolidate would result in a permanent difference in qualifying payment counts among my loans. 

As a result of this servicing failure, I experienced financial harm in the form of extended repayment obligations that were avoidable had accurate and complete information been provided during the waiver period. I am submitting this complaint to document the lack of clear guidance and to request that this issue be reviewed as part of broader oversight of federal student loan servicing and PSLF implementation. 

I am not requesting immediate loan forgiveness through this complaint. I am requesting that the servicing and communication failures described above be formally reviewed and recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I have contacted the attorneys office for this debt no responses whatsoever and have contacted the debt collector that goes by : LVNV Funding LLC they are now garnishing my paychecks at 10 %. This debt is from XXXX, and as of XX/XX/XXXX they are garnishing me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Eastern Account Systems of Connecticut, Inc.
State: SC

Complaint narrative:
I ASKED THE COMPANY FOR A COPY OF THE CONTRACT AND ID INFORMATION BECAUSE THIS ACCOUNT IS PLACED ON MY CREDIT REPORT FIVE TIMES.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 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: CA

Complaint narrative:
XXXX XXXX, XX/XX/2026 Midland Credit Management Subject : Request for Debt Validation Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Dear Midland Credit Management, I am responding to your recent communication regarding an alleged debt you claim I owe. This letter is not a refusal to pay but a notice that your claim is disputed. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I request that you provide validation of this debt. Please provide the following : 1. The name and address of the original creditor. 2. The amount of the alleged debt, including an itemized breakdown of interest, fees, and other charges. 3. A copy of the original signed agreement or contract that created the debt. 4. Verification that your agency is licensed to collect debts in my state, including your license number and registered agent. 5. Documentation showing that you have the legal right to collect this alleged debt, whether by assignment or ownership. Until this information is provided, you must cease all collection activities, including reporting or verifying this debt to credit reporting agencies, as doing so would violate the FDCPA. Please send all correspondence to the address listed above. I request that all future communications be in writing only. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
FORMAL NOTICE OF CONTINUED FDCPA NONCOMPLIANCE FAILURE TO PROVIDE LEGALLY SUFFICIENT DEBT VALIDATION ON ACCOUNTS # XXXX ( {$2900.00} ) # XXXX ( {$960.00} ) XX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX To Whom It May Concern : This letter serves as formal notice of continued noncompliance with the Fair Debt Collection Practices Act ( " FDCPA '' ), 15 U.S.C. 1692, following your response to my prior validation demand.

While you provided generic billing statements, payment histories, screenshots, or summaries, you failed to provide legally sufficient validation as required under 15 U.S.C. 1692g ( b ). Where a signed contract or original agreement was requested, such documents DO NOT satisfy federal validation requirements and are insufficient to establish contractual liability in court. 

Your failure constitutes ongoing violations of, including but not limited to : - 15 U.S.C. 1692g ( b ) Continued collection activity without proper validation - 15 U.S.C. 1692e Misrepresentation of legal compliance and debt status - 15 U.S.C. 1692f Attempting to collect an unverified and legally unsupported debt - 15 U.S.C. 1692c ( c ) Unlawful communication absent proper validation # # # Required Documentation ( Not Provided ) To date, you have failed to produce : - An original contract or agreement bearing my signature - A complete chain of assignment - Competent evidence establishing my legal obligation - Proof of lawful authority to collect # # # Wisconsin-Specific Licensing & Authority Additionally , any attempt to collect within the State of Wisconsin without proper licensing and authority constitutes violations of Wis. Stat . 218.04, 218.12, and related administrative rules, including the requirement to maintain valid registration and lawful authority to engage in collection activity. Failure to demonstrate such authority renders any collection activity unlawful. 

# # # Credit Reporting Any reporting of this unverified debt to consumer reporting agencies constitutes violations of the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( b ). 
All collection activity remains prohibited until full compliance is achieved. Continued noncompliance will result in regulatory complaints and preservation of evidence for civil action. 
All rights reserved. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation