vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
A transaction for {$63.00} from XXXX XXXX XXXX XXXX XXXX posted to my account on XX/XX/year>. I did not authorize this purchase, have no relationship with this merchant, and have no record, receipt, or prior contact with them. 

On XX/XX/year>, I received an email from the bank stating that they needed information and that I must call within XXXX days. The message said, We need to speak with you about your claim as soon as possible. I attempted to call but could not reach a representative. In a prior call, a representative told me that a dispute had been filed, but no dispute ever appeared on my account. 

On XX/XX/XXXX, I contacted the bank in writing and requested that communication occur electronically so I could maintain a record. I explained that I had already attempted to resolve the issue by phone and that the representative had failed to submit the dispute. I reiterated that I did not make the purchase and had no way to contact the merchant because I had no information about them. 

I attempted to call again but still could not reach anyone. On XX/XX/XXXX, I sent another written communication stating that I had received no response and that the dispute had been closed without any investigation or contact from the bank. I stated that no documentation supporting the charge had been provided to me. 

Later that evening, on XX/XX/XXXX, I received a notice that the dispute had been closed and declined. The bank stated, XXXX requires specific information from the cardholder Since the requirements to file a dispute have not been met, we have no recourse but to close the dispute at this time. This contradicts the fact that I repeatedly attempted to provide information and repeatedly requested written communication. The bank never contacted me by phone or email before closing the case, nor did they request any additional information. 

The bank also stated that I would be financially responsible for the transaction and suggested that I work directly with the merchant, which is impossible because I have no relationship with the merchant and no information beyond the name shown on the transaction.

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 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CT

Complaint narrative:
I am filing this complaint against Jefferson Capital for failure to properly validate a debt and for improper credit reporting. 

I requested full debt validation pursuant to FDCPA 809, including : The name of the original creditor The current amount of the debt The date of first delinquency and age of the debt A complete accounting history Documentation of assignment or purchase of the debt Supporting documentation proving the debt is legally valid and enforceable Jefferson Capital has continued reporting this account to consumer reporting agencies without providing sufficient validation or documentation supporting legal ownership and authority to collect. 

Under FDCPA 809 and FCRA 623 ( a ) ( 1 ) ( A ), a debt collector must validate a debt and may not report information that is inaccurate, incomplete, or unsubstantiated. 

Reporting a debt without proper validation and documentation is damaging my credit profile and may constitute a violation of federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I am filing this complaint regarding the servicing of my mortgage loan by M & T Bank, which is currently in foreclosure. 

The original borrower ( my father ) is deceased. I am the successor in interest and have been attempting to work with M & T Bank to explore available loss mitigation options. 

I received written correspondence indicating approval for a loss mitigation option. Subsequently, I received a denial letter, despite no material change in financial circumstances, documentation, or loan status. I have not been provided with a clear written explanation for this reversal. 

Prior denial correspondence referenced investor participation but did not clearly identify the specific investor guidelines relied upon or provide documentation supporting the determination. I have requested clarity regarding the investor but have not received a clear written confirmation. 

I have also received letters acknowledging that an application was under review at times when I did not submit a complete loss mitigation application. This has created confusion regarding whether a complete application was evaluated and whether the review process was conducted in accordance with servicing regulations. 

Additionally, foreclosure activity has continued while I have been attempting to clarify my eligibility and status, which raises concerns regarding whether proper loss mitigation review procedures were followed prior to continuation of foreclosure. 

I am also requesting clarification as to whether any XXXXrelated servicing guidelines apply to this loan and confirmation that any applicable program requirements were reviewed prior to denial. 

Specifically, I am requesting : Written confirmation of the current loan investor. 

A complete written explanation of the change from approval to denial, including the specific guideline or basis for the reversal. 

A complete written explanation of the loss mitigation denial, including the specific investor guideline cited. 

Confirmation of whether XXXX servicing requirements apply and, if so, confirmation they were properly reviewed. 

Confirmation that I have been properly evaluated and documented as a successor in interest under applicable federal servicing regulations. 

Confirmation that all required foreclosure and loss mitigation review procedures were followed before foreclosure activity continued. 

I am seeking transparency, documentation, and confirmation that this loan has been serviced in full compliance with applicable federal and state regulations.

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 2026-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I am submitting this complaint regarding inaccurate and misleading credit reporting by JPMCB Card Services related to a charged-off credit card account. 

The account became delinquent in XXXX  and was later reported as charged off and closed by the creditor. However, the account continues to be updated monthly with ongoing derogatory activity, creating the appearance of a currently active delinquent account rather than a historical charge-off. 

I disputed this reporting through the credit reporting agency prior to this complaint. During the investigation, the creditor verified the account as accurate but did not provide documentation supporting how the reporting complies with Fair Credit Reporting Act accuracy requirements. I requested verification of the payment history, balance calculation, and confirmation of the date of first delinquency, but no supporting documentation was provided directly to me. 

Because a charged-off account represents a historical default, continued monthly derogatory updates are misleading and materially impact my credit standing by making the account appear as an ongoing delinquency. I am requesting that the company either provide documentation demonstrating compliance with FCRA reporting standards or correct or delete the tradeline from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Date : XX/XX/year> My Name My Address My City XXXX  State My Zip Code - XXXX LVNV Funding LLC Re : Request for Debt Validation Account Number : XXXXXXX XXXX  Whom It XXXX Concern : I am writing in response XXXX  your communication regarding the above-referenced account. 

Pursuant XXXX  my rights under the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ), I am requesting full validation of this alleged debt. I dispute this debt XXXX  request that you provide competent evidence that I have a legal obligation XXXX  pay. 

Specifically, please provide : XXXX. The name and address of the original creditor. 
XXXX. The date the alleged debt was incurred. 
XXXX. A complete payment history, including all charges, interest, fees, XXXX  credits. 
XXXX. A copy of the original signed contract or agreement bearing my signature. 
XXXX. Documentation showing that LVNV Funding LLC has legal standing XXXX  assignment rights XXXX  collect this debt. 
XXXX. Proof that the amount you claim is accurate XXXX  legally collectible. 

Additionally, if this account is being reported XXXX  any credit reporting agency, I demand that it be marked as disputed pursuant XXXX  the Fair Credit Reporting Act. 

Until you provide the requested validation, you must cease collection efforts XXXX  refrain from reporting or continuing XXXX  report this account XXXX any credit reporting agency. 

This letter is not a refusal XXXX  pay but a request for validation. I request all future communications be in writing. 

Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX received communication from Resurgent. I responded to the email communication received. I've stated to every collection agency that my two accounts continue to get sent to with the same information - I can begin paying you {$25.00} per month, per account, beginning in mid XXXX XXXX 

I have not received any response from Resurgent, nor the previous agencies. I need someone at Resurgent to respond to my communications via email @ XXXX. There is no disclaimer in your email communication stating otherwise. 

Thank you. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Wrong dates and inaccurate information it has been on my credit for too long and it is hindering my future please address this for me

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 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: Chime Financial Inc
State: NV

Complaint narrative:
On my birthday, I decided to get an XXXX, which was a gift to myself through XXXX. XXXX canceled the order and promised me a refund because they charged me {$100.00} for a backorder phone that I never received. They canceled the order on their end because they didnt have enough information and wanted me to come into the store. They ended up taking my money and not giving me back any refund or any device.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
XXXX XXXX XXXX : XX/XX/year> Address : XXXXXXXX XXXX XXXX XXXX XXXX SC XXXX SSN ( last 4 ) : XXXX FORMAL DISPUTE, NOTICE OF CONSUMER RIGHTS & DEMAND FOR DELETION VIOLATIONS 1. Failure to Conduct Reasonable Investigation Violation of 15 USC 1681s-2 ( b ).

2. No Debt Validation Provided Violation of 15 USC 1692g and 12 CFR 1006.34 ( b ) ( 5 ).

3. Inaccurate and Incomplete Reporting Reporting charged-off balances without proper documentation violates 15 USC 1681e ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: MoneyLion Inc.
State: NC

Complaint narrative:
I am responding to the letter you sent dated about a debt you are trying to collect. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act 15 USC 1692 ( g ). This claim is being disputed and a debt validation is requested. I also have reason to believe that you are in violation of 15 USC 1692e. False or misleading representations as defined ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. The account liksted below : XXXX Inaccurate reporting of charge off with no delinquency history reflected on credit file. 
I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. You contacted me by mail, on and identified the alleged debt as being the original creditor. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.

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 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: MRS BPO, LLC
State: FL

Complaint narrative:
RE : FORMAL DISPUTE, CEASE AND DESIST, AND DEMAND FOR DEBT VALIDATION Account Number : [ Insert Account Number if known ] Original Creditor : [ If Known ] NOTICE OF DISPUTE This letter serves as a formal dispute of the alleged debt referenced by your company. I do not acknowledge, admit, or accept liability for this account. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am requesting full validation of this alleged obligation. 

You are hereby placed on notice that this debt is disputed in its entirety. 

DEMAND FOR FULL DEBT VALIDATION FDCPA 809 ( b ) You must provide competent evidence that I have a legal obligation to pay. Statements or internal summaries are NOT sufficient validation.

Provide the following : The original signed contract or agreement bearing my signature creating the alleged obligation.

Complete chain of title/assignment documentation proving MRS BPO , LLC has legal standing to collect. 

Name and address of the original creditor and all subsequent owners. 

A complete payment history and accounting ledger from origination to present. 

Documentation showing the amount claimed, including : principal balance interest calculations fees or penalties added Proof the debt is within the applicable statute of limitations.

Verification that you are licensed and authorized to collect in my state.

Documentation authorizing reporting to consumer reporting agencies.

Until proper validation is provided, you must cease all collection activity.

CEASE AND DESIST FDCPA 805 ( c ) Effective immediately : You are instructed to CEASE ALL TELEPHONE CALLS to me, my family members, or any third parties. 

All communication must be conducted only in writing. 

Any further calls may constitute harassment and violations of federal law.

CREDIT REPORTING NOTICE FCRA VIOLATIONS If this account is currently reported or later reported to any Consumer Reporting Agency ( XXXX XXXX XXXX XXXX ) : Reporting a disputed debt without marking it as disputed constitutes a violation of 15 U.S.C. 1681s-2 ( a ) ( 3 ).

Reporting without proper validation may constitute false or misleading reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Global Lending Services LLC
State: SC

Complaint narrative:
XXXX XXXX DOB XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SSN ( last XXXX ) : XXXX FORMAL DISPUTE, NOTICE OF FDCPA VIOLATIONS & DEMAND FOR DELETION This account is being reported inaccurately and without lawful validation. 

VIOLATIONS 1. Conflicting Dates and Balances Different dates of last activity and inconsistent balances violate 15 USC 1681e ( b ).

2. Failure to Provide Proper Validation No debt validation compliant with 12 CFR 1006.34 ( b ) ( 5 ) has been provided.

3. False and Misleading Representation Reporting unvalidated debt constitutes deception under 15 USC 1692e.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am a verified creditor in the XXXX XXXX XXXX bankruptcy ( XXXX XXXX. XXXX, XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX As part of the court-ordered distribution, cryptocurrency was deposited into my XXXX account : XX/XX/XXXX : Received XXXX XXXX from XXXX Distribution XX/XX/XXXX : Received XXXX XXXX from XXXX Distribution On XX/XX/XXXX, I transferred the XXXX ( XXXX. {$1500.00} ) XXXX  my personal external wallet using XXXX 's standard crypto transfer feature. 
XXXX days later, on XX/XX/XXXX, XXXX permanently limited my account ( Ref ID : XXXX ), citing only " potential risk. '' No specific explanation was given, no policy violation was identified, XXXX  no opportunity to appeal was offered. 
My XXXX XXXX remains locked in the account. XXXX 's termination email stated funds would be held for up XXXX  XXXX  days, after which they would email me withdrawal instructions. 
The XXXX period expired around XX/XX/XXXX. XXXX never sent the promised email. On XX/XX/XXXX, I emailed XXXX XXXX  received only automated replies saying the mailbox is unmonitored. 
XXXX sent me crypto tax forms on XX/XX/XXXX, confirming the XXXX  is still held. As of XX/XX/XXXX, my XXXX  has been locked for over XXXX  months with no way XXXX  withdraw it. 
I am requesting immediate release of my XXXX XXXX, a specific explanation for the account limitation, XXXX  confirmation that my funds have not been forfeited.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV funding inc have reported on my credit reports several times with different amounts claiming to be the original creditor and also the collection agency trying to collect a debit.i have disputed these several times and asked for proof of this debit and proof that the debt belongs to me and I have gotten nothing. they dont show what the debit even is for. I dont believe this debt is mine, and I believe this collection agency is a scam. they were opened on XX/XX/XXXX XXXX amounts of {$880.00} and {$890.00} and now another one on XX/XX/year> for {$360.00}. They all have same information but different amounts owed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
XX/XX/XXXX I signed up for a bonus of XXXX. To be eligible I had to get my acct to XXXX. Two deposits XXXX XX/XX/XXXX then the tracker said that isnt enough. Added XXXX that was what they asked for. Now the tracker is gone and now a rep said XXXX not eligible because I took XXXX out on the XXXX which has nothing to do with this. 

My account is funded within the 10 day window but they are scamming me claiming I didnt have the funds. Requirement was to fund the account in XXXX to bring it to XXXX which I did.

Company response to consumer: Closed with explanation