vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Lendmark Financial Services
State: PA

Complaint narrative:
I was offered a loan that would pay off the current loan and lend me an extra {$2000.00}. My loan number changed to a new loan but I never received the money. Theyre telling me they didnt offer that but cant explain what this loan is.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has been attempting to collect an alleged debt originally associated with OneMain ( Account ending in XXXX ). The account reflects a charged-off balance of approximately {$5700.00} based on my credit report records. I have disputed this alleged debt and do not acknowledge any liability. I have requested validation of the debt, including a signed agreement, full payment history, and proof of assignment, but have not received sufficient documentation. Despite my dispute, XXXX XXXX continues attempts to collect and/or has failed to properly validate the alleged debt. I am requesting that the company cease collection efforts and provide full validation of the alleged debt, or remove any reporting associated with this account if they are unable to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: Chime Financial Inc
State: CA

Complaint narrative:
I have been a victim of identity thefts and have recently had several accounts opened and attempted to open in my name. I notifed all affected banking insitutions immediately and also placed credit freezes at all 3 credit agencies as well as activated fraud alerts. I don't understand how this Chime account was opened after all of these safeguards were already in place. They should have to check credit histories and files before just opening new accounts. Had they done the minimal amount of due dilligence, they would have known that this account shouldn't have been opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically regarding their obligation to conduct a reasonable reinvestigation and provide the method of verification upon request. I previously disputed inaccurate and/or unverifiable accounts on my credit report. Experian responded by stating the accounts were verified, but failed to provide any supporting documentation. Following this, I formally requested the Method of Verification ( MOV ) pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Experian has failed to provide a proper response to this request. Experian has not provided : * The method used to verify the disputed information * The name, address, and contact information of the party that verified the account * Copies of any documentation used in the verification process * Any evidence bearing my signature or proving I agreed to the alleged debt This failure indicates that Experian did not conduct a reasonable investigation and is continuing to report information that may be inaccurate or unverifiable, in violation of the FCRA. A generic or automated verification response does not satisfy the legal requirements under federal law. Requested Resolution : * Immediate deletion of the disputed account ( s ) if proper verification can not be provided * Full disclosure of the method of verification used * Copies of all documents relied upon to verify the account ( s ) * The name, address, and contact information of the entity that verified the information If Experian is unable to provide this information, the account ( s ) must be deleted immediately. I expect a prompt and lawful resolution to this matter. Failure to comply will result in further escalation of this complaint. Sincerely, XXXX 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 2026-04-29 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX [ XXXX ] ( XXXX : XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX DC XXXX RE : Formal Complaint, Credit Reporting Dispute, and Request for Debt Validation To Whom It May Concern, I am filing a formal complaint and dispute regarding inaccurate, unverified, and potentially fraudulent collection accounts currently being reported on my credit file. This letter serves as my formal notice of dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and a request for debt validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). The accounts in question are as follows : LVNV Funding LLC / Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX I have no knowledge of these alleged debts and do not recall entering into any agreement with these entities or the original creditors. These accounts are therefore disputed in their entirety. Despite this, the accounts continue to be reported on my credit file without proper verification, which raises serious concerns regarding compliance with federal law. Pursuant to my rights under federal law, I am requesting that each furnisher of this information provide the following : 1. Complete verification of the alleged debt, including the original creditors name and address 2. A full accounting of the debt, including how the balance was calculated 3. Copies of any agreements, contracts, or documents bearing my signature 4. Proof that the reporting entity has legal authorization to collect on this debt 5. Documentation showing that the information reported to credit bureaus is accurate and complete If these entities are unable to provide sufficient documentation to validate the debts, they are required under federal law to cease reporting and request deletion of the accounts from all consumer reporting agencies. Additionally, reporting unverified or inaccurate information may constitute violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I am requesting that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter and ensure that all applicable laws are being followed. If the accounts can not be properly validated, I request their immediate removal from my credit reports. Please provide written confirmation of the results of your investigation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Repo XX/XX/year> Inaccurate Reporting on All Credit Agencies Misinformation and Misleading information on all Credit Agencies I dispute the validity, accuracy, and enforceability of the alleged deficiency balance of approximately {$23000.00}. This dispute is based on multiple violations of the Uniform Commercial Code ( UCC ) and applicable consumer protection laws, including but not limited to improper repossession disposition procedures and inaccurate credit reporting. NOTICE OF VIOLATIONS Failure to Provide Pre-Sale Notice ( Notice of Disposition ) I do not recall receiving any legally required notice informing me of the date, time, or method of sale of the repossessed vehicle. Pursuant to UCC 9-611 and 9-613, a secured party is required to send reasonable authenticated notification prior to disposition of collateral. Commercially Unreasonable Sale UCC 9-610 The vehicle was reportedly sold for approximately {$2000.00}, which appears grossly below fair market value. A secured party is legally required to conduct the sale in a commercially reasonable manner. The reported sale price raises substantial concern that this standard was not met. Failure to Provide Post-Sale Accounting UCC 9-616 I did not receive a proper post-sale deficiency notice or accounting detailing : The sale price Itemized fees and expenses Application of proceeds Calculation of any remaining deficiency balance Improper and Inaccurate Credit Reporting ( FCRA Violations ) Despite the above deficiencies, this account continues to be reported with an outstanding balance. If the disposition of collateral was not conducted in compliance with the law, the alleged deficiency may be unenforceable, making continued reporting inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ). I also demanded the following which wasn't received. DEMAND FOR VALIDATION You are hereby required to provide the following within 30 days : Proof of mailing and delivery of the pre-sale Notice of Disposition Copies of all notices sent ( pre-sale and post-sale ) Exact date, time, and method of sale ( auction details ) Documentation demonstrating the commercial reasonableness of the sale Full accounting of the deficiency balance Chain of title and disposition records of the vehicle. NOTICE OF CONDITIONAL ACCEPTANCE Failure to provide the requested documentation will constitute evidence that : The disposition was not commercially reasonable Required notices were not properly provided The deficiency balance is invalid and unenforceable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These inquiries are invalid. Kindly correct. Files attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc.
State: FL

Complaint narrative:
I am filing this complaint against Client Services , Inc. for attempting to collect a debt that has not been properly validated. I previously sent a formal debt validation request pursuant to the Fair Debt Collection Practices Act. In that request, I specifically asked for a signed agreement, full account history, and documentation proving ownership and enforceability of the alleged debt. Client Services , Inc. has failed to provide any of the requested documentation. Despite this, they continue to contact me by telephone and attempt to collect this alleged debt. Additionally, this account is associated with XXXX XXXX, which previously initiated legal action but failed to complete service of process. Court records confirm the case was placed in inactive status and subject to dismissal. This means the alleged debt has never been legally validated or adjudicated. Continuing collection activity without validation, and while no enforceable judgment exists, is misleading and constitutes a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Opened credit card account XX/XX/XXXX with limit of {$1800.00}. Paid all payments on time or early, paid over the minimum, never late. I haven't used the card in over a year. I have it locked. In XX/XX/XXXX limit was lowered to {$1500.00}. XX/XX/XXXX limit lowered again to {$1000.00}. I do not understand why this is happening. I am keeping my responsibility as a credit card holder and yet they continue to do this. Due to their abuse my credit card score continues to drop. Anywhere from XXXX points!!!!! My plan was to continue to pay the card off. Its ironic as I am trying to pay it off asap they continue to lower my limit which lowers my scores because it shows me at almost 100 percent utilization which lowers the scores. I'm trying to do the right thing and they are continuing to abuse me. It doesn't make sense to me. I am a XXXX XXXX XXXX XXXX Veteran and feel they are mistreating me. I know they can do whatever the heck they want but what about what is fair and right for the customer. If I had not held to their agreement that would be one thing but I have done everything right, everything I'm supposed to do. I can only assume they will continue with this until I'm at a XXXX balance. Please help me. BTW, I tried to call and resolve this but that was an absolute joke. I was transferred to a foreign country where they barely speak English and all I got was bounced around from person to person. After trying multiple times and waiting for extended periods of time I gave up. I guess that's what they wanted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX, I entered into a lease agreement with Acima Credit for furniture purchased at XXXX XXXX XXXX, located in XXXX XXXX XXXX, CA. The approval amount was {$3400.00}. When the furniture store attempted delivery, the delivery personnel refused to carry the couch up the stairs to my unit. I verbally cancelled the order on the spot, the delivery team left with the couch, and I followed up by calling the store directly to confirm the cancellation. I never received or kept any merchandise. Despite the cancellation, Acima continued to charge my account. I made payments totaling at least {$1200.00} ( a {$50.00} payment on XX/XX/XXXX and a {$1200.00} payment on XX/XX/XXXX ) before realizing the store had never reported the cancellation to Acima. I contacted Acima customer service multiple times over the following months. Each time, I was told they would contact the store to verify the cancellation and that I should not worry. I was also told to disregard automated default notices because the account could not be closed until a store representative confirmed the return something Acima was responsible for pursuing, not me. At some point, I discovered that XXXX XXXX XXXX had permanently closed, making it impossible for anyone to obtain store-side verification. I informed Acima of this. Despite this, they continued to send collection notices and failed to resolve or close the account. This cycle continued for approximately a year and a half. To be clear : I purchased the same furniture the following week from a different retailer, XXXX XXXX XXXX, using my own funds confirming I had no use for or possession of the originally leased item. Now, in XX/XX/XXXX nearly five years later I am receiving urgent text messages from a third-party collector called XXXX ( XXXX XXXX XXXX ) referencing a pending case related to this same Acima lease. I also received a settlement offer from Acima in XXXX for {$1500.00}, citing {$8300.00} in remaining payments an account that should have been closed years ago. I am requesting that the CFPB investigate Acima 's failure to : XXXX. Properly verify and process a merchandise return/cancellation when the retail partner closed. XXXX. Close an account for merchandise that was never received. XXXX. Cease collection activity on a disputed account. XXXX. Refund payments made for merchandise I never received. I am seeking a full account closure, a refund of all payments made, removal of any negative credit reporting related to this account, and confirmation that all collection activity has ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I have experienced repeated issues with payment processing on my account with Bridgecrest, resulting in payment reversals, NSF fees, and additional late fees over multiple years. For example : On or about XX/XX/XXXX, I made a payment of approximately {$390.00} through the companys system. That payment was later reversed by the company. Immediately following the reversal, an NSF fee of {$15.00} was assessed. On XX/XX/XXXX, a late fee of {$10.00} was also assessed as a result of the same failed transaction. On XX/XX/XXXX, I paid {$400.00} and an additional {$15.00} NSF fee. This same pattern has occurred multiple times : XX/XX/XXXX : Payment reversal ( ~ {$390.00} ) followed by a {$15.00} NSF fee XX/XX/XXXX : Payment reversal ( ~ {$390.00} ) followed by a {$15.00} NSF fee XX/XX/XXXX : Payment reversal ( ~ {$390.00} ) followed by a {$15.00} NSF fee XX/XX/XXXX : Payment reversal ( ~ {$390.00} ) followed by a {$15.00} NSF fee XX/XX/XXXX : Payment reversal ( ~ {$390.00} ) followed by a {$15.00} NSF fee In addition, late fees ( typically {$5.00} {$10.00} ) were frequently assessed after these reversals, even though the payment issues appear to stem from the companys system and not from insufficient funds. I used the companys approved payment methods and made payments in good faith. Despite this, payments were not successfully processed and resulted in multiple penalty charges. I contacted customer service regarding these issues and was given inconsistent explanations. I was also advised to use alternative payment methods, which suggests the company may be aware of issues with its payment processing system. As a result of these repeated incidents, I have been charged multiple NSF fees of {$15.00} and additional late fees, which I have paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: T.S. Holdings
State: GA

Complaint narrative:
I was called by iq data XXXX about that debt from the XXXX XXXX in XXXX Georgia I told iq data that I been in court with the XXXX because I left because my water was not working the whole week that I was there and the representative from iq data told me even though I settled it with the XXXX I still have to pay them and I said how if its been settled already? The representative responded that it will be placed on my credit I asked for his name and he hung up

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo checking account - I do not have overdraft protection and never did. I even made sure by trying to see if it was on there and it says, " There are no eligible options available to protect this account. '' I did a search on my everyday checking transactions of, " overdraft fee '' to see how many and it's showing that I have 16 overdraft fees of {$35.00} totaling {$560.00} within the last year XXXX XXXX XXXX. I verified with the company that I don't have overdraft protection so why am I still getting fees for transactions instead of just declining them. Two of the transactions that I received a {$35.00} fee were for an {$11.00} and many of them are for a transaction of less than {$40.00}.

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 monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MD

Complaint narrative:
My Cash App account ( Cashtag : $ XXXX, Email : XXXX, Phone : XXXX ) was abruptly closed, and I have been informed I can not rejoin the platform. Simultaneously, I have been restricted from XXXX XXXX and XXXX. I have been a loyal user of Cash App for essential daily needs, including utilizing the " Borrow '' feature, purchasing groceries, and paying for childcare. I have never knowingly violated the Terms of Service. I believe my account security and personal identity were compromised by a third party I recently shared my information with for credit repair services. Shortly after this exchange, these financial blocks began. As an employee of the Maryland XXXX, maintaining the integrity of my financial identity is of the utmost importance. I am requesting a formal manual investigation into my account closure to determine if fraudulent activity was triggered by this third party without my consent. I am a victim of a compromised identity and am seeking to have my access restored so I can continue managing my household expenses and childcare payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Company harrassment and threats, fake court documents.. I have asked for Debt validation for an alleged debt of {$2700.00} before proceeding and they immediately reported to all 3 credit bureaus. They are trying to collect on a XXXX balance. They removed negative reporting and refiled as the alleged original creditor. I do not have an account with this collection company now or ever. I sent validation request via certified mail. They allege I owe a debt that has a XXXX balance per my credit report. This is harrassment and intimidation to pay an alleged debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is a rebuttal to original complaint XXXX

Company response to consumer: Closed with explanation