vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 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: GA

Complaint narrative:
I received a debt collection letter dated XX/XX/year> from XXXX XXXX XXXX on behalf of LVNV Funding LLC claiming I owe XXXX on an account originally from XXXX XXXX Bank ( account ending XXXX ). I am disputing this debt in its entirety. I have sent a written debt validation request via certified mail demanding proof of chain of ownership, original signed agreement, and verification they have the legal right to collect this debt under the FDCPA. Reference number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: MD

Complaint narrative:
Dave Inc, which I reported previously, continues to take money out of my account for account fees for an account I no longer have. This account has been placed on my credit consolidation account who have also notified them as well that they are on it. When I called and questioned why, they asked for my address. I gave them the addresses that I had over the past 20 years but they still kept telling me it wasn't the right one. But they had my current address tho. My current address was not satisfactory to them and they wanted me to produce an address that I do not have. This is a ridiculous situation because I had recently disputed them in the past where they went into my bank account and took money out even AFTER they were notified by the credit consolidation company that I'm working with. I immediately disputed through my bank as well and my money was RETURNED. My concern is why are they continuing to take money out of my account, without my permission, for an account that is closed and be addressed by credit consolidation? Sounds fraudulent to me and not surprising for them. NOW they want all of this other information to stop a membership fee ( {$3.00} ) that is not supposed to be taken by them out of my account anyway. Who do these people think they are and why do they doing this when the account is CLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: TX

Complaint narrative:
Wells Fargo was overpaid on my bill card in XXXX and XXXX. They owe me {$2800.00} which they have said they are sending in a check twice but the check never arrives. They have kept my money and refused to give it back. It happened during the transition when Wells Fargo no longer took XXXX, and we paid them by mistake instead of the new bank that XXXX uses. We basically paid the wrong account for our XXXX purchases. And now Wells Fargo will not return the money even though they claim a check is in the mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I went to pay my credit card ( XXXX XXXX- Barclays ) and was not able to access my online statements. I opted in to online billing so I dont receive paper statements. I attempted to login through the app and again a few days later in case it was a glitch. At login, I was notified to contact the company. I contact them on XXXX, they said my account is on hold and my care had to be escalated to a higher security department RSD. They could not transfer me because the office was only from XXXX XXXX and I was calling from the west coast . So I called the following day. I was routed through AI prompts and back to the fraud department which then had to transfer me. After XXXX mins of waiting they informed me that they could see the reason why my account was on hold but asked if I made any changes to my account. I had moved and updated my address. They stated the bank then requires me to prove this by sending a photo copy front and back of my drivers license, a copy of my social security card, and a utility bill. I told them that I wasnt going to do that and to let me pay any remaining balance and close the account. He stated he was not able to close my account but would make note of it. He did see that there was no remaining balance. I would just leave it be but there is an annual charge that is automatic in XXXX. I dont wish to be charged so I would like to close my account. I called the number on the back of the card to speak with someone in cancellation and was rerouted again to fraud. I was informed that I couldnt close my account unless the hold was lifted and I sent all of the information. This doesnt make logical sense since I only had to apply online with minimal information and a credit check to be approved to begin with. I had asked for a number to contact the bank directly to close the account and the rep stated they didnt have that information. This is cumbersome and exhausting. The resolution I am seeking is to verify that I owe nothing on the account and to close it. I no longer wish to utilize their services.

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 2026-04-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Lincoln Financial Services
State: OR

Complaint narrative:
Originally XX/XX/XXXX I requested the distribution form from Lincoln Financial group. I mailed the form to them - never heard back - life went on. In XXXX, XXXX I submitted a request for full distribution - their reply email indicated they would notify me in XXXX working days if further information, etc. and the status of my distribution. When I didn't hear back from them I called them, they indicated there was an error processing my request. XX/XX/XXXX I received an email indicating I had filled out an obsolete form ; attached to that email was the same identical form- I went online and found the correct form and submitted via email. I received a " Annuity Contract Confirmation & Statement '' indicating that the account was " Surrendered '' on XX/XX/XXXX - the math is incorrect The reportable funds are {$1500.00}, the net was {$630.00} - the fed withholding is {$310.00}, the state withholding was XXXX, there is no indication of why {$490.00} is missing. There was no deposit to my bank account. As of XX/XX/XXXX my Account Balance showed {$0.00}. XX/XX/XXXX I contacted customer service and they indicated, once more, that there was an error on their part and there was no timeline as to when it would be resolved. XX/XX/XXXX I called once more was told the same and that since my account was " closed '' / inactive they couldn't access it. When I requested a state-side customer support contact, phone number, etc., I was told there isn't any and there is no one to escalate my issue to. After doing a bit of research, this is a common enough complaint with Lincoln Financial Group - XXXX did not see any indication of these issues being resolved.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
I obtained an auto loan through Exeter Finance and have experienced ongoing issues with transparency and accuracy regarding my loan balance and interest charges. An extended warranty that was included in the financing was cancelled several months after the vehicle purchase ; however, the dealership failed to properly submit the cancellation and refund information to the lender. The refund has not been applied to my loan principal, and I continue to be charged interest on an amount that should have been removed from the balance. Additionally, I have been unable to obtain a clear and accurate amount of how my payments are being applied. A significant portion of each monthly payment is applied toward interest, yet my balance has barely decreased. I have requested clarification and validation of my balance and interest calculations but have not been provided sufficient documentation or a clear explanation. I believe there may be improper or undisclosed interest charges and possible errors in the servicing of my loan. I am requesting an investigation, a full accounting of all payments and interest applied, correction of my loan balance, and reimbursement or adjustment for any improperly charged interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: OK

Complaint narrative:
My virtual card information was stolen and it was used to charge {$380.00} worth of stuff I filed a charge back on chime and was denied twice. XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX To whom it may concern : This letter serves as a formal cease and desist and demand for debt validation pursuant to my rights under the fair debt collection practices Act ( 15 U.S. code 1692g ) you are hereby ordered to cease and desist all forms of communication with me, my family, or my place of employment regarding the alleged debt referenced above. Your agency has no verified legal right to collect, report, or pursue action on this account without proper and complete validation of ownership and legal assignment of this debt. you are currently in violation of federal law by continuing to report this account to the credit bureaus without substantiating your right to collect. If you can not prove full ownership or legal right to collect this debt, you are knowingly furnishing inaccurate and unverifiable information, which is a direct violation of the FCRA ( 15 U.S. Code 1681s-2 ( a ) ( I ) ( A ) ). I am formally demanding the following documation within XXXX calendar days from the date of this letter : 1. The original signed contract or application bearing my signature showing liability for this debt. 2. The complete chain of title or assignment of debt, including all transfers and dates from the original creditor to your agency. 3. A copy of the bill of sale purchase agreement showing your agency legally owns this debt 4. An itemized statement of all amounts claimed to be owed, including principal, interest, fees, and charges. 5. your debt collector licence number and the state ( s ) in which you are licensed to collect. 6. your surety bond information, as required by law in certain jurisdictions. If you are unable to produce the above documentation in full, you are legally required to immediately remove this account from all consumer reporting agencies and cease any collection efforts. Further, if you do not legally own the dept, I demand that you return the account to the original creditor and permanently cease any further action on this matter. Be advised that continued failure to validate, coupled with continued furnishing of false information to the credit bureaus, constitutes willful noncompliance under 15 U.S.C. 1681n and subject to actual, statutory, and punitive, as well aa attorney fees and court costs. I am documenting all violations and reserve the right to file complaints with the consumer Financial protection Bureau ( CFPB ), the federal trade commission ( FTC ). my state attorney general 's office, and seek relief through litigation if necessary. Let this serve as your final warning. Failure to comply within XXXX calendar days will result in further legal action. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, I made a transaction totaling {$12000.00} for a projector, projector screen, and installation/setup services from XXXX XXXX XXXX On XX/XX/year>, the vendor came to my home to install the equipment. The technicians quickly unboxed and installed the products and left the premises the same day. The following day, I discovered that the projector provided was not the model I purchased. I specifically ordered the XXXX XXXX ( U.S. model ) ; however, the vendor supplied a XXXX XXXX XXXX which is a different regional model intended for the XXXX market. To verify this, I contacted XXXX support directly. I have attached screenshots of Sonys response confirming that the XXXX is the correct U.S. model , which further supports that the product I received does not match what was purchased. On XX/XX/year>, I contacted the vendor via email requesting a return and resolution. The vendor failed to provide a proper or timely response. As a result, I filed a dispute with Chase Bank on XX/XX/year>, and submitted all supporting documentation, including order details, email communications, and XXXX confirmation. The vendors own proposal clearly states that returns/refunds are allowed within XXXX days. Despite this clear evidence, Chase ruled the dispute in favor of the seller. This decision is deeply concerning and appears to ignore critical facts, including : The product delivered does not match the product purchased Independent confirmation from XXXX regarding the correct U.S. model The vendors stated XXXX return/refund policy The disputed amount is {$7200.00}, covering the projector and screen. I am requesting that Chase reopen and conduct a proper, fair investigation into this matter. The vendor failed to deliver the correct product and did not honor their own return policy, and Chases handling of this dispute has resulted in an unjust outcome. This situation has caused significant financial loss and frustration, and I expect a prompt and appropriate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Receivable Solutions
State: TX

Complaint narrative:
I am writing to formally dispute any alleged debt your company claims I owe. It has come to my attention that your organization, Professional Receivable Solutions LLC ( PRS ), is a third-party debt buyer/collector and not the original creditor of any alleged account in my name. I do not recognize this obligation, and I dispute the validity of this alleged debt in its entirety. Under my rights pursuant to Section 609 of the Fair Credit Reporting Act, I am requesting verification of your legal authority to collect or report this alleged obligation. At this time, I do not recognize this account and have not been provided with evidence that I entered into any contractual agreement with your organization. You are hereby instructed to cease and desist from all collection activity and any attempts to report this alleged debt to credit reporting agencies. Reporting this debt without lawful authority or verification of accuracy would constitute violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). If your company fails to comply with this notice, I will take formal action by filing complaints with the following authorities : 1. Federal Trade Commission ( FTC ) 2. XXXX Attorney Generals Office All further communication regarding this matter must be in writing only. Govern yourselves accordingly. Sincerely,

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I made the payment on time, yet these entries inaccurately reflect my payment history. I demand immediate correction and will not accept any false reporting that harms my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Research Inc
State: IL

Complaint narrative:
CENTRAL RESEARCH INC/D # XXXX I am formally requesting verification of the collection account reported on my credit report. under the fair credit reporting act, you are required to report only information that is complete and verifiable. I am requesting that you provide full documentation supporting this account, including : -original signed contract -complete payment history -proof of lawful collection -copies of all notices sent to me including right to cure and sale notice -detailed balance calculation if you are unable to provide this documentation, then under the FCRA, this account must be removed from my credit report immediately. Additionally, if any portion of this account is inaccurate, incomplete, or unverifiable, I demand its deletion. Please investigate this matter and respond within the time required by law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX LVNV Funding LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX To whom it may concern : This letter serves as a formal cease and desist and demand for debt validation pursuant to my rights under the fair debt collection practices Act ( 15 U.S. code 1692g ) you are hereby ordered to cease and desist all forms of communication with me, my family, or my place of employment regarding the alleged debt referenced above. Your agency has no verified legal right to collect, report, or pursue action on this account without proper and complete validation of ownership and legal assignment of this debt. you are currently in violation of federal law by continuing to report this account to the credit bureaus without substantiating your right to collect. If you can not prove full ownership or legal right to collect this debt, you are knowingly furnishing inaccurate and unverifiable information, which is a direct violation of the FCRA ( 15 U.S. Code 1681s-2 ( a ) ( I ) ( A ) ). I am formally demanding the following documation within XXXX calendar days from the date of this letter : 1. The original signed contract or application bearing my signature showing liability for this debt. 2. The complete chain of title or assignment of debt, including all transfers and dates from the original creditor to your agency. 3. A copy of the bill of sale purchase agreement showing your agency legally owns this debt 4. An itemized statement of all amounts claimed to be owed, including principal, interest, fees, and charges. 5. your debt collector licence number and the state ( s ) in which you are licensed to collect. 6. your surety bond information, as required by law in certain jurisdictions. If you are unable to produce the above documentation in full, you are legally required to immediately remove this account from all consumer reporting agencies and cease any collection efforts. Further, if you do not legally own the dept, I demand that you return the account to the original creditor and permanently cease any further action on this matter. Be advised that continued failure to validate, coupled with continued furnishing of false information to the credit bureaus, constitutes willful noncompliance under 15 U.S.C. 1681n and subject to actual, statutory, and punitive, as well aa attorney fees and court costs. I am documenting all violations and reserve the right to file complaints with the consumer Financial protection Bureau ( CFPB ), the federal trade commission ( FTC ). my state attorney general 's office, and seek relief through litigation if necessary. Let this serve as your final warning. Failure to comply within XXXX calendar days will result in further legal action. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Guild Holdings Company
State: GA

Complaint narrative:
Payment Issue : A mortgage payment of {$3400.00} cleared my bank on XX/XX/year>. Guild Mortgage failed to credit the account and falsely claimed the payment was " returned by my bank. '' No such return ever appeared on my bank statement, and the funds remained missing for over XXXX days. Company Error : Guilds internal systems failed to locate the funds despite being provided with a valid transaction ID. Throughout multiple inquiries ( Phone call And Email ), the company continued to insist the funds were returned to me. Resolution Process : The funds were only " located '' on XX/XX/year>, after I was forced to provide a full bank statement as proof. This placed an undue investigative burden on me to resolve a failure in their own payment processing system. Current Status : Guild has admitted the funds are in their possession but has provided no formal apology or explanation for the XXXX delay or the false " returned payment '' claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase charged my bank account a duplicate unauthorized payment

Company response to consumer: Closed with monetary relief