vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/year> at XXXX I received XXXX calls from a caller saying that my account had been logged in from an unknown address posing as a Wells fargo representative. He had access to my online banking login information and had restricted my access to logging in saying he was trying to resolve the issue. {$500.00} was transferred form my savings into my checking, and {$400.00} online advance fork my credit card that I did not authorize. He said I had {$1400.00} charges to my account successfully. He had me transfer funds from my checking account to my cash app balance so that I could put it back into a new card since it had been compromised. He gave me " my '' new card information to put onto my cash app and I was to withdraw it from cash app into that card. After this he gave me my new login information to access my account and once I logged back in the call dropped and the card was not connected to my account. Immediately after I called a Wells Fargo representative provided from the app, they took down all the information above and said I would get a call back in ten days with more information, he did not give me a new card to replace or change my checking account information. I called back for an update on XX/XX/year> and there was no dispute filed by the previous representative. He sent me a card replacement and I still did not have any update so I called again on XX/XX/year> having to restart all the information again and finally the representative gave me access to change my login information and set up a new checking account for me. My claim was closed on XX/XX/year> denied for {$1400.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
ongoing violations of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. The account in question is the result of identity theft, properly reported through an official FTC Identity Theft Report. This account has already been blocked from my credit report pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). I previously sent multiple formal debt validation requests to Midland Credit Management. They completely ignored these requests and failed to provide any validation as required under 15 U.S.C. 1692g. Despite having knowledge of the identity theft and their failure to validate the debt, Midland continues to send collection communications. These actions constitute harassment, intimidation, and deceptive practices, with the clear intent to pressure me into paying a fraudulent debt. Midlands conduct constitutes clear violations of : FDCPA 809 ( 15 U.S.C. 1692g ) Failure to validate the debt FDCPA 807 ( 15 U.S.C. 1692e ) False and misleading representations FDCPA 806 ( 15 U.S.C. 1692d ) Harassment and abusive conduct FCRA 605B Failure to comply with identity theft blocking requirements Continuing collection activity on a debt reported as fraud and not validated constitutes a willful violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 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: GA

Complaint narrative:
JEFFERSON CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL LL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IL

Complaint narrative:
I am filing a complaint regarding inaccurate and unverified debt reporting and collection activity by Jefferson Capital Systems , LLC Account Number : XXXXXXXX XXXX XXXX XXXX in connection with an alleged auto loan deficiency originally associated with XXXX XXXX. On XX/XX/year>, I sent a formal written request for validation of the alleged debt via certified mail, which was delivered on XX/XX/year>. In that request, I demanded full documentation supporting the debt, including a complete payment history, itemized balance, deficiency calculation, repossession and sale documentation, and proof of assignment and ownership of the account. As of the date of this complaint, Jefferson Capital Systems has failed to provide any substantive response or documentation validating the alleged debt within the required timeframe. Despite this, the account continues to be reported to consumer reporting agencies, which constitutes inaccurate and unverified reporting under the Fair Credit Reporting Act ( FCRA ). Additionally, there are material inconsistencies in the reported balance. Records indicate significant credits and adjustments were applied prior to the account being sold, yet the current reported deficiency amount of approximately {$10000.00} does not reflect a clear, accurate, or documented calculation. No accounting has been provided showing how this balance was derived or how any sale proceeds or credits were applied. Furthermore, I have reason to believe the collateral ( vehicle ) was disposed of through a third party, and no documentation has been provided demonstrating a commercially reasonable sale as required under applicable law, including XXXX UCC Article 9. By continuing to report and attempt to collect this debt without providing proper validation or accurate accounting, Jefferson Capital Systems may be in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I am requesting that this account be immediately deleted from all consumer reporting agencies unless and until full and complete documentation can be provided to substantiate the debt and the amount claimed. Additionally, I request that all collection activity cease until proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
My card was lost or stolen and someone made unauthorized charges on my account and they don't want to help me, i disputed it and they denied me. The date used was XX/XX/year> for {$440.00} and i called to report my card lost or stolen as soon as i found out. The company asked me for a verbal and written dispute and I did i was also miles away.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Credit Management Company To Whom It May Concern, I am writing regarding the account referenced above, which is currently being reported on my credit report. I am requesting full validation of this alleged debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). I do not acknowledge this debt and request that you provide : XXXX. The name and address of the original creditor XXXX. A complete itemization of the alleged balance XXXX. Copies of any signed agreements or documents showing I am responsible XXXX. Proof of your authority to collect on this account XXXX. Documentation of the chain of ownership if the debt has been sold Until proper validation is provided, you must cease all collection activity. If this account is being reported to credit bureaus, it must be listed as disputed. If you can not provide sufficient proof, I am requesting immediate deletion of this account from all credit reporting agencies. Please respond in writing only. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: IN

Complaint narrative:
I have a account with Venmo which includes teen accounts. My nephew accidentally attempted to withdraw money from his teen account to my checking account. It was a mistake now after doing everything Venmo asked us to do sending in proof of account ownership and identification they closed the account and refused to give me my money. I will be using

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am filing a complaint against XXXX a third-party debt collector claiming to collect on behalf of LVNV Funding for an alleged XXXXXXXX XXXX Account ( last XXXX digits XXXX ) in the XXXX. I previous disputed this debt and requested validation. XXXX has contacted me via email but has failed to provide proper written validation as required under the Fair Debt Collection Act ( FDCPA. To date I have not Received : A copy of any signed agreement A complete chain of title from the original creditor to LVNV Funding Proof that XXXX is Authorized to collect this debt A full accounting of all alleged balances Despite all this collection efforts continue which is a violation of federal law I am requesting that immediate cessation of all reporting until proper validation has been done. Removal of any reporting relate to my credit report. If this violation continues, I am prepared to pursue legal action for damages under FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I attended XXXX XXXX XXXX, a XXXX XXXX XXXX, and I am eligible for the federal student loan group discharge announced XX/XX/year>. I had approximately {$9500.00} in federal student loans that went into default and were collected through the Department of Educations Default Resolution Group. These loans were not voluntarily repaid they were collected through Treasury Offset, including garnishment of my federal tax refunds. My NSLDS file confirms my loans are marked defaulted, paid in full, which indicates they were collected involuntarily. Under borrower defense discharge rules, I am entitled to a full refund of all payments made on these loans, including amounts collected through Treasury Offset. However, my account has been incorrectly processed as paid instead of discharged, and I have not received any refund. I have submitted multiple borrower defense and feedback cases ( including Case # XXXX and # XXXX ), all of which were closed without resolution. Despite repeated attempts over several years, I have not received assistance or my legally required refund. This is a misclassification of my account and a failure to properly process my discharge and refund under the XXXX XXXX group discharge. I am requesting : 1. Immediate correction of my loan status from paid to discharged under the Corinthian group discharge 2. Full refund of all payments collected via Treasury Offset and collections 3. A complete payment history and accounting of refund amounts owed This issue has been ongoing for years and must be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I would like to file a formal complaint regarding the improper handling of a state levy placed on my accounts, which has resulted in the wrongful freezing of my childrens bank accounts. A levy was issued by XXXXXXXX XXXX XXXXXXXX affecting accounts associated with my name. My childrens accounts, which do include my name as a joint or custodial signer, were also frozen as a result. However, these accounts are funded solely by my childrens own paychecks, not by me. To resolve this, I provided documentation to XXXX XXXX XXXX clearly demonstrating that my childrens income is the sole source of funds in their accounts. XXXXXXXX XXXX XXXXXXXX reviewed and accepted this documentation, then sent confirmation and instructions to my bank to release the restraints on my childrens accounts. On XX/XX/XXXX, both of my childrens accounts were in fact released. However, later that same day, the accounts were inexplicably frozen again. When I contacted the bank, I was told that no documentation had been received from XXXXXXXX XXXX XXXX, despite the fact that the accounts had already been released earlier that day, which directly contradicts that claim. This situation reflects a serious failure in internal processing and communication. The re-freezing of these accounts after verified release has caused unnecessary hardship and has wrongfully restricted access to funds belonging to minor account holders. This matter involves the improper restraint of funds belonging to minors, despite verified proof and state issued instructions for release. I expect prompt resolution and written confirmation of corrective action. If this issue is not resolved immediately, I am prepared to pursue further action through regulatory agencies. XXXX XXXX XXXX XXXX Last XXXX of accts XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
On or about XX/XX/year>, XXXX XXXX sent a text message to my mothers personal phone number regarding an alleged debt associated with me. My mother is not listed on my account, is not a co-signer, and has no connection to this debt in any way. Her phone number has never been provided by me in connection with this account. The message clearly identified itself as an attempt to collect a debt and referenced the creditor ( CashNetUSA ), which disclosed my private financial information to a third party. This communication was not limited to requesting location information and improperly revealed the nature of the contact as a debt collection attempt. I believe this is a violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from disclosing debt information to third parties. I am requesting that this matter be investigated and that appropriate action be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: TN

Complaint narrative:
On or about XX/XX/year>, Halsted Financial sent a text message to my mothers personal phone number regarding an alleged debt associated with me. My mother is not listed on my account, is not a co-signer, and has no connection to this debt in any way. Her phone number has never been provided by me in connection with this account. The message clearly identified itself as an attempt to collect a debt and referenced the creditor ( XXXX ), which disclosed my private financial information to a third party. This communication was not limited to requesting location information and improperly revealed the nature of the contact as a debt collection attempt. I believe this is a violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from disclosing debt information to third parties. I am requesting that this matter be investigated and that appropriate action be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am submitting this formal fraud dispute pursuant to the Fair Credit Reporting Act ( FCRA ) 605B, 609 ( e ), and 611. I am a documented victim of identity theft, and I have attached multiple FTC Identity Theft Reports confirming the crime, including FTC Report Numbers XXXX, These reports clearly state : I am a victim of identity theft. These accounts are not mine and Transunion refuses to remove them. ( ID Theft Report 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 non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
The company is attempting to collect a rental debt that does not exist. The XXXX XXXX XXXX paid the full balance through the XXXX XXXX XXXX XXXX. The landlord accepted the funds, the balance became {$0.00}, and the related civil case was dismissed with no judgment. The company instructed me to submit documentation to validate the debt. I submitted proof of full payment, proof of {$0.00} balance, the court dismissal, and supporting documents. The company did not acknowledge receipt, did not validate the debt, and continued reporting it to the credit bureaus. This inaccurate reporting has caused housing instability and financial harm. I am requesting deletion of the account and confirmation that the company will stop reporting or attempting to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: IL

Complaint narrative:
I disputed an account reported by LVNV Funding LLC that I believe is inaccurate and not properly verified. LVNV continues to report this account to the credit bureaus without providing sufficient documentation to support the alleged debt. I requested validation, including a signed agreement, full account history, and proof that LVNV has legal ownership of the account. LVNV has failed to provide this information and continues collection efforts without proper validation. In addition, LVNV has engaged in threatening behavior by stating that they may pursue legal action against me while still failing to validate the debt. These threats are being used to pressure payment without providing proof of the debt. I am currently not employed, and these repeated collection attempts and threats are causing unnecessary stress and hardship. LVNVs actions constitute violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as they are reporting unverified information and attempting to collect without proper validation. Despite my dispute, LVNV continues to report this account without evidence of accuracy or ownership.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
To Whom It May Concern, I am writing regarding the account referenced above, which is being reported on my credit report. I am formally requesting validation of this alleged debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I do not recognize this debt and do not acknowledge any liability. Please provide the following : XXXX. The name and address of the original creditor XXXX. A detailed breakdown of the total amount claimed XXXX. Copies of any documents bearing my signature that establish my obligation to pay XXXX. Proof that your company has the legal authority to collect this debt XXXX. Documentation showing the chain of ownership if the debt has been transferred Until proper validation is provided, I request that all collection efforts cease. Additionally, if this account is being reported to any credit reporting agencies, it must be marked as disputed. If you are unable to provide the requested documentation, I request that this account be immediately removed from my credit report. All future communication must be in writing. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Credit Karma, LLC
State: MO

Complaint narrative:
Phone was lost/stolen. Charges were made to XXXX. As soon as I noticed I made the fraud report. I called every few day to check status. I rarely even get an email. I have disputed these charges several times as well as filing an appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
I am disputing a {$2400.00} collection account reported by Transworld Systems on behalf of XXXX XXXX XXXX The original creditors own representative ( XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) acknowledged in writing on XX/XX/year> that my lease termination fee was incorrect and initiated an internal audit. On XX/XX/year>, XXXX XXXX reversed that position with no explanation and sent the debt to Transworld for collection. The debt was placed in collections while actively disputed. I have filed disputes with all three credit bureaus. Transunion returned a verified result despite my documentation. I am requesting that Transworld cease collection activity and delete this tradeline from all credit reports.

Company response to consumer: Closed with explanation