vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
CEASE AND DESIST DEMAND NOTICE UNDER THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Midland Credit XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Account Number : XXXX To Whom It May Concern, This letter serves as formal notice that I demand you immediately cease and desist all communication with me regarding the alleged debt referenced above, except as permitted under federal law. Pursuant to the federal Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), you are hereby notified to stop all telephone calls, text messages, emails, mailed notices, and communication through third parties concerning this alleged debt. Additionally, be advised that : * Repeated or harassing calls may constitute violations of the FDCPA and the Texas Debt Collection Act. * Any threats, misleading statements, or attempts to contact family members, employers, or associates regarding this matter may be documented as unlawful collection activity. * I request written validation of this alleged debt if you intend to continue any lawful collection efforts. If your company continues prohibited communication after receipt of this notice, I may file complaints with : * Consumer Financial Protection Bureau * Federal Trade Commission * Texas Attorney General I also reserve the right to pursue civil remedies for any violations of federal or Texas law. Govern yourself accordingly. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
LVNV Funding LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2026 To Whom It May Concern : Your company is reporting the below-referenced account on my credit report as a collection account. I have disputed this item with the credit reporting agency, and they reported you confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you, please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and promptly, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it. For 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only and is not a statement, election, or waiver of status. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I received my new credit card last week and used the card to make a purchase. I went to the Wells Fargo website and tried to create an autopay for the card. It came up with error messages. I called the company, and for two hours, I experienced one disturbing turn of events after another. Two of the calls resulted in being hung uip on. The other six calls resulted in being transferred to various agents, the result being that nothing was accomplished. I finally found someone named XXXX on this rainy Sunday, but his only suggestion was to establish my smartphone number and/or make an appointment at a Wells Fargo bank . After these frustrating hours, my wife simply paid the bill without having autopay working. Some of the agents were rude or just lacked understanding of what we wanted done. We have credit cards for other companies, and we have not had this problem before. Wells Fargo was and is a great disappointment. We felt like our efforts to get a resolution were discounted.

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 2026-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
never gave me the complete balance and too high interest plus i put up my own money on the card to build my credit it was a secured card my money and they add interest

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: NJ

Complaint narrative:
Hi my name is XXXX XXXX. I am receiving text messages and emails from a debt collector to collect payment from me from a debt I do not know. I do not owed a debt when someone use my information to make sports betting accounts and took all of my money out of all my bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
Product/Service : Debt Collection Issue : False statements or representation attempted to collect debt not owed / improper credit reporting after settlement Company : FCO ( collection agency ) file a second complaint separately against the management company What happened ( narrative ) : In XXXX, I vacated an apartment lease in XXXX, TX early and owed an outstanding balance of approximately {$22000.00}. I entered into a written payment agreement with the property management company to pay $ XXXX until the balance was resolved. I made three consecutive payments as agreed. Without any notice, warning, or communication, the management company transferred the debt to FCO, a third-party collection agency, with a reported balance of {$20000.00}. I was never notified of this transfer, and the account was reported to the credit bureaus as a collection before I had any opportunity to respond or dispute the debt. Upon learning of this, I contacted FCO and paid the balance in full in XXXX. I have documentation confirming this payment. Despite the debt being paid in full, the collection account continues to appear as unpaid or derogatory on my credit report. I have repeatedly provided FCO with proof of payment, but nothing has been done to update or remove the entry. When I contact FCO, I am told to speak with the management company. When I contact the management company, I am routed to an AI phone agent and receive no resolution. I am not local to XXXX and can not resolve this in person. I have logged disputes with all credit agencies over a year ago and no change has been made. What this has cost me : Denied for college tuition loans Materially higher interest rates on loans and auto leases secured since 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 2026-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXX pm there was an unauthorized atm withdrawal from my account withdrawing XXXX I did not authorize this transaction or withdrawal. Someone used my card information and even used my pin number. I have never shared my pin number with anyone. I never lost my debit card either. I have my physical card on me. I had just made a transaction using my debit card at a convenience store just prior to this unauthorized transaction this wasn't me because they used at atm somewhere in XXXX XXXX .. while I live in XXXX California it doesn't make sense. Somebody cloned my card

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Guild Holdings Company
State: UT

Complaint narrative:
Failure to Investigate, RESPA violations, Under section 8, Failing to correct the errors. Loan servicers must adhere to strict timelines when borrowers submit a formal inquiry or a written Notice of Error. 12 CFR 1024.30, 12 U.S.C 2614. Guild Mortgage to the full 60 days to respond without, having a resolution. Their response only summarized my complaint. A Loan officer / under writer has admitted the loan to be fraudulent, and should have never been loaned upon, yet they will not negotiate payments. Note : A company that violates RESPA can be responsible for up to 3X the amount of the charges Paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
My email and personal information was breached 21 times over 10 years. The collections items I do not recognize Totals

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-24 00:00:00
Product: Debt or credit management — Student loan debt relief
Issue: Confusing or misleading advertising or marketing — 
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I am submitting this complaint regarding my student loan account and the repeated errors and mishandling by my servicer that have caused significant financial harm and hardship. I respectfully request a full review of my account and consideration for discharge, cancellation, or correction of the debt due to the servicer 's mistake and failure to properly manage my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Reliable Auto Finance, Inc.
State: MI

Complaint narrative:
The furnisher and/or collector continues reporting disputed information without providing competent documentary evidence validating the alleged debt. This appears to violate : * FCRA 15 U.S.C. 1681s-2 ( b ), * FCRA 1681e ( b ), * FDCPA 1692e, * FDCPA 1692f, * and FDCPA 1692g. I am requesting : 1. Immediate reinvestigation, 2. Complete validation, 3. Method of verification, 4. Deletion of unverifiable information, 5. Correction of any inaccurate reporting, 6. Confirmation that unlawful re-aging has not occurred. I reserve all rights under UCC 1-308 without prejudice. Sincerely XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: PA

Complaint narrative:
Selene XXXX did respond to my initial complaint ; however they failed to acknowledge their errors and furthermore did not responding back to me when I first gave my loan modification back in XX/XX/XXXX. After cfpb, got involved they took my loan out of foreclosure. However They again failed to communicate in writing to me or my attorney XXXX XXXX whose can be reached at XXXX why my mortgage loan was taken out of foreclosure. Selene XXXX is still refusing to accept or receive a monthly mortgage payment also they engaged in gross legal negligence by not letting me know why they took the mortgage out of foreclosure and why they do not accept any monthly payments. In order to be made whole, they need to accept my mortgage payment. They also increased by monthly mortgage payment in XX/XX/XXXX without letting me know in writing. In previous years XXXX XXXX engaged in similar negligence and therefore were required to provide me with a no documentation loan modification. I believe this is case here. In order to be made whole I am requiring them to pay my legal fees in order to get and keep this mortgage loan out of foreclosure and still are failing to let me know in writing the current status of my loan. This is my follow up complaint given the first or initial issues that I argued about and complained about back in XX/XX/XXXX. I will call cfpb this Wednesday to speak to a representative to ensure my complaint is being heard and responded to by Selene XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MI

Complaint narrative:
Date : XXXX To : JEFFERSON CAPITAL SYSTEMS Re : Debt Validation Request This letter serves as a formal dispute and request for validation under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. I dispute the alleged debt associated with account ending in XXXX. Please provide : 1. Original signed agreement, 2. Full payment history, 3. Itemized accounting, 4. Proof of assignment, 5. Proof your company owns the debt, 6. Date of First Delinquency, 7. Documentation authorizing collection activity. Under federal law, collection activity must cease until validation is provided. Additionally, furnishing unverified information to a consumer reporting agency after notice of dispute may violate : * 15 U.S.C. 1681s-2 ( b ), * FDCPA 1692e, * and FDCPA 1692f. I reserve all rights under UCC 1-308 and UCC 1-103 . If you can not provide competent evidence supporting this debt, I demand : * cessation of reporting, * deletion from all consumer reporting agencies, * and termination of collection activity. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management
State: FL

Complaint narrative:
I am filing a complaint regarding inaccurate and conflicting debt collection and credit reporting practices involving Fox Collection Center and XXXX. On XX/XX/year> I contacted XXXX directly regarding the alleged rental debt. XXXX informed me that : my account balance is zero, and the account was written off. in the amount of {$3300.00} However, Fox Collection Center claims they are collecting on behalf of XXXX and that XXXX still owns the debt. Despite these conflicting statements, the collection account continues to be reported on my credit file. I requested validation and clarification regarding : ownership of the debt, authority to collect, and the accuracy of the reported balance. At this time, the information being provided appears inconsistent and potentially inaccurate. I request : 1. Verification of who legally owns the debt ; 2. Proof of collection authority ; 3. Correction or deletion of any inaccurate credit reporting ; 4. Written clarification of the account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates has been attempting to collect an alleged debt originally owed to XXXX XXXX. I sent two certified letters requesting complete debt validation as required under the FDCPA. They responded with only two incomplete XXXX XXXX statements dated XX/XX/year> and XX/XX/year> and failed to provide full account history, complete balance breakdown, or proof they legally own this debt. Portfolio Recovery did send a letter acknowledging they can not sue me because this is a time-barred debt under New York 's Consumer Credit Fairness Act. Despite this acknowledgment, they continue to report this account on my credit report and send collection letters demanding payment. Since they admit they can not sue me AND can not fully validate the debt with complete documentation, I am requesting immediate removal of this account from all three credit bureaus XXXX, XXXX, and XXXX and that all collection activity cease immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: VELO LAW OFFICE
State: MI

Complaint narrative:
The furnisher and/or collector continues reporting disputed information without providing competent documentary evidence validating the alleged debt. This appears to violate : * FCRA 15 U.S.C. 1681s-2 ( b ), * FCRA 1681e ( b ), * FDCPA 1692e, * FDCPA 1692f, * and FDCPA 1692g. I am requesting : 1. Immediate reinvestigation, 2. Complete validation, 3. Method of verification, 4. Deletion of unverifiable information, 5. Correction of any inaccurate reporting, 6. Confirmation that unlawful re-aging has not occurred. I reserve all rights under UCC 1-308 without prejudice. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
Date : XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX Re : Duplicate Collection Reporting EASTERN ACCOUNT SYSTEM I dispute the duplicate collection reporting associated with EASTERN ACCOUNT SYSTEM accounts identified as : * WOW EQUIPMENT * WOW SERVICE Both accounts appear to stem from the same creditor relationship and contain substantially similar reporting dates and collection activity. Duplicate reporting may violate : * 15 U.S.C. 1681e ( b ) * and 15 U.S.C. 1681s-2 ( b ) because it creates a materially misleading impression regarding the number and amount of alleged debts owed. Please investigate and provide : * complete validation, * account-level differentiation, * signed service agreements, * itemized accounting, * and proof these are separate legally enforceable obligations. If such evidence can not be produced, I demand deletion of the duplicate or unverifiable tradeline ( s ). I reserve all rights under UCC 1-308 and UCC 1-103 . Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year> I transferred approximately {$1400.00} in Litecoin to my XXXX account. The transfer was made from an outside wallet. I then sold the litecoin on XXXX to convert it back to usd. They charged a fee of approximately {$35.00}. They allowed me to send money tp another user on their platform. I attempted to send the remainder to my linked bank account. They refuse to make the transfer. They are holding my money and refuse to say why.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
I am submitting a formal complaint regarding a debt collection account being reported by Merchant and XXXX XXXX ( or the current collection agency reporting the account ). The original account originates from tuition charges through XXXXXXXX XXXX XXXX. I requested validation of this debt. In response, the collector provided an itemized statement and payment history, including a charge-off/write-off of the account effective XX/XX/year>, and a current balance of {$1100.00}. However, the documentation provided raises additional concerns beyond lack of ownership verification. Specifically, the itemized statement includes a charge labeled XXXX XXXX in the amount of {$280.00}, posted on the same date the account was written off. This entry is unclear and not adequately explained. It appears to be an internal accounting adjustment, yet it has the effect of increasing or impacting the balance being reported. The collector has not provided : A clear explanation of what the XXXX XXXX charge represents Any documentation showing I agreed to or am contractually responsible for this charge Any breakdown showing how this amount is legally permitted or calculated Proof that this amount is not simply an internal bookkeeping entry being passed on as consumer liability Additionally, I still have not received documentation establishing a complete chain of assignment or proof that the current collector has legal ownership and authority to collect and report this debt. Because of these issues, I believe the investigation and verification are incomplete and do not meet the standards required under the Fair Credit Reporting Act. The reporting appears to include unexplained charges and lacks sufficient documentation to substantiate the full balance being reported. I am requesting that the CFPB review whether : The Collection Revenue charge is a legitimate consumer obligation or an improper accounting entry being reported as a debt The collector has sufficient documentation to support ownership and reporting authority The furnisher conducted a reasonable and complete investigation of my dispute If the collector can not substantiate both the ownership of the debt and the legitimacy of all charges being reported, I request that the account be corrected or removed from my credit reports. Thank you for your assistance in reviewing this matter. Sincerely, XXXX

Company response to consumer: Closed with explanation