vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This company has been calling me for almost a year now. I sent a request for validation back in XX/XX/year>XXXX  and I did not receive what I had asked, they just sent me a balance and when and where I should pay. They did not provide evidence to support their claim. They stopped calling for a while then they started up again within the last month and now they call me once a day in which I tell them do not call this number until you send me a proper validation letter. They also send me emails. Yesterday I sent an email to their dispute email that is listed on their website with the letter that I also sent certified that states that they need to send me a validation letter with everything that I had originally requested because they had not provided me with those items and until that happens, they can not contact me. But they evidently did not get the message because I once again received a phone call at precisely XXXX XXXX  this morning. if they continue to ignore my request and follow the laws, I will have no other choice, but to reach out to my state attorney general and possibly litigate this matter. I have attached the following letter that I just sent yesterday to the email that they have and also proof that they called me after I sent that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: CA

Complaint narrative:
On XX/XX/XXXX, the first child support payment was deposited onto my Way2Go prepaid card, which was previously active, with a functioning PIN and full access to the Way2Go mobile banking application. 

After the deposit, when I attempted to use the funds, I received a message indicating that the service was XXXX and that I needed to contact the bank. I immediately called Way2Go customer service, where I was informed that my account appeared to be active, that I should be able to make in-store purchases, and that the situation would be reviewed. I was also told that they were working on restoring my ability to make electronic transfers. 

Despite this assurance, when I attempted to make purchases in stores, all transactions were declined. I contacted customer service again, and due to the holiday period, I initially allowed time for the issue to be resolved. However, after the holidays passed, I contacted Way2Go again to report that the card continued to be declined and that my account was now completely restricted. 

At that point, I was transferred to the XXXX department, XX/XX/year> which provided me with an email address and instructed me to submit identification documents. I was told to send either front and back of an identification or XXXX forms of identification. In compliance with these instructions, I have submitted multiple valid and current identification documents, including my drivers license, a XXXX government-issued identification, my birth certificate, and my voter identification card. 

Despite submitting all requested documents, none have been accepted, and I have not been given any explanation as to why they are being rejected. All identification documents provided are valid and unexpired. I continue to receive the same request asking me to submit another ID or XXXX of the listed forms, even though I have already submitted all of them. 

This situation has persisted for several consecutive days ( Wednesday through Friday ) without any resolution send me the same email about they required another ids. 

My online access has been XXXX, I no longer have access to the Way2Go application, and I have been restricted from using my funds without justification. 

These funds are child support for my daughter, and the continued restriction has prevented me from accessing money that is essential for her care and well-being. I do multiple calls waiting so much time and dont receive help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: IN

Complaint narrative:
Never received any notification regarding this collection on my credit report. 

Have no knowledge of this account.

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 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date : XX/XX/year> Via Certified Mail Return Receipt Requested LVNV Funding LLC Re : Account # XXXX To Whom It May Concern, I am writing to formally dispute the above-referenced account. You reported this collection account without first providing proper debt validation, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to 15 U.S.C. 1692g ( a ), a debt collector must provide a written validation notice containing required disclosures. Further, under 15 U.S.C. 1692g ( b ), once a debt is disputed, collection activityincluding credit reportingmust cease until proper validation is provided. Any validation must be sent via certified mail with return receipt to establish proof of delivery.

Additionally, this account is missing required original creditor information, which violates 15 U.S.C. 1692g ( a ) ( 2 ) ( failure to clearly disclose the name of the original creditor ) and results in incomplete and misleading reporting. Furnishing incomplete data also constitutes inaccurate reporting under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ). 

Because you have failed to provide lawful validation and have reported an account lacking required original creditor details, I am demanding that you immediately delete this account from all consumer reporting agencies.

If you believe this account is valid, provide competent evidence of the debt, including : Proof of the original creditor A complete payment history A copy of any contract bearing my signature Proof of your legal authority to collect Proof of certified mailing and receipt of validation Absent such proof, continued reporting will be considered knowing noncompliance. 

Please provide written confirmation of deletion. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/year>. Mobile deposit in the amount of XXXX. My account was closed by Citibank at the time my check was deposited they informed me, once it was closed they check would be returned to payee.

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 2026-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am a victim of identity theft ( FTC Report # XXXX ). I am filing this complaint because Resurgent Capital Services is willfully " re-polluting '' my credit report with fraudulent debt that was previously investigated and blocked by the major credit reporting agencies ( CRAs ). 

Chronology of Events : Prior Legal Block : In early XXXX, the credit bureaus blocked the original XXXX  XXXX accounts associated with this fraud under FCRA 605B ( 15 U.S.C. 1681c-2 ) after verifying my identity theft claim. 

Notification to Resurgent : Resurgent has possessed my identity theft documentation since XX/XX/XXXX. While they initially claimed the accounts ( Ref IDs : XXXX, XXXX, XXXX ) were closed, they sent a letter on XX/XX/XXXX, stating they were " unable to validate '' my claim for Ref ID XXXX. 

Failure to Investigate : To " invalidate '' my claim, Resurgent relied on a credit card statement showing my former legal name and a fraudulent address in XXXX, XXXX  where I have never resided. They failed to provide actual validation or certification of their investigation, choosing instead to ignore the address discrepancy and my official FTC Report. 

Notice of Intent to Sue : On XX/XX/XXXX, I sent a formal Settlement Demand and Notice of Intent to Sue via Certified Mail ( USPS # XXXX ). 

Willful Re-Pollution ( XX/XX/XXXX ) : Despite being on notice of the fraud, the dispute, and the existing legal blocks, Resurgent intentionally re-reported Account ending in XXXX ( Ref ID : XXXX ) to my credit file today, as notified by XXXX. 

Specific Legal Violations : 15 U.S.C. 1681c-2 : Illegal re-insertion of information previously blocked by CRAs. 

15 U.S.C. 1681s-2 ( a ) ( 6 ) : Furnishing information to a CRA that the company knows results from identity theft.

15 U.S.C. 1692e ( 8 ) : Reporting a debt known to be false and failing to communicate that it is disputed. 

I faxed a Supplemental Notice of Violation to Resurgents legal department today, which was marked as delivered at XXXXXXXX XXXX EST. Their actions constitute a willful disregard for federal law and have caused significant financial and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
XX/XX/year> I opened a checking account # XXXX and a savings account # XXXX with holder name : XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX. Address : XXXX XXXX XXXX NY ( new address : XXXX XXXX XXXX NY ). 
XXXX closed my account with around XXXX USD deposit in it and I can not get information anymore from all connect ( customer service, premier centeretc ). 
I need help to push XXXX to respond on it and tell me the reason why close my account and get my account and deposit back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I am filing this complaint regarding XXXX XXXX  ( XXXX XXXX  ) and Midland Credit Management concerning an account that was charged off and then sold after I was effectively prevented from curing the balance. 

On XX/XX/year>, XXXX XXXX  sent me a written Notice of Right to Cure Default stating that XX/XX/year> was my final day to bring the account current by paying the stated cure amount. Before that date, XXXX locked me out of my online XXXX XXXX account, removing my ability to make a payment through the normal portal. When I called customer service prior to XX/XX/XXXX, I was told I was not permitted to make a payment and that the account would not be accessible again until after the cure deadline had passed. 

Despite being blocked from paying, I mailed a certified check on XX/XX/year>, the final cure date, in good faith to resolve the stated balance. XXXX later returned the check, claiming they could not process it and giving no clear instructions or disclosure that the account had been charged off. I later learned that XXXX had already marked the account as charged off on XX/XX/year>, two days before the written cure deadline they provided. 

After this premature charge-off, the account was transferred/sold to Midland Credit Management. Midlands own correspondence shows a chargeoff date of XX/XX/year> and identifies Midland as the sole owner of the debt. I contacted Midland within the dispute period and requested verification and clarification of how the account could have been charged off before the cure date and why my payment attempts were blocked. Midland has continued collection activity and sent settlement offers, but has only provided a onepage summary and has not supplied detailed records or any explanation of why I was prevented from curing the default. 

In short, I was given a written deadline to cure the account, then blocked from paying before that deadline, my certified payment on the cure date was refused, and the account was charged off and transferred anyway. I am disputing the validity and status of this debt and the manner in which it was charged off and sold. I request that the CFPB review this matter to determine whether XXXX XXXX  improperly prevented payment before the cure date and whether Midland Credit Management is attempting to collect on a debt that was not given a meaningful opportunity to be cured.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: OK

Complaint narrative:
In XX/XX/year>, I had vehicle repair work completed for approximately {$3300.00} at a local auto repair shop. The employee offered 12 months same as cash financing through ACIMA and completed the application for me. I did not physically sign any documents, did not authorize an electronic signature, and did not present identification. 

I later discovered that the transaction was processed as a rental-purchase agreement rather than a loan, with a total cost exceeding {$8500.00}. This was not explained to me at the time of sale, and the same as cash representation was misleading and not reflected in the agreement. 

The agreement also classifies non-returnable vehicle repairs as rental property. I have made payments believing I was paying down a standard financing balance, but the payoff amount has increased significantly. 

I am disputing the validity of this agreement due to lack of authorization, misrepresentation of terms, and improper execution, and I am requesting that the account be investigated and resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

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 2026-01-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: OH

Complaint narrative:
I am submitting this complaint regarding an account XXXX  & XXXX  continues to report on my XXXX  credit file. I have disputed this account multiple times, yet it remains listed, even though both XXXX  and XXXX have already removed the same account. The fact that two major credit bureaus deleted it shows that the information can not be verified as accurate or complete.

As the reporting collection agency, XXXX  & XXXX  is responsible for maintaining proper documentation to support this account. Under the Fair Credit Reporting Act ( FCRA 623 ( b ) ), you are required to conduct a reasonable investigation whenever a dispute is received and to stop reporting information that can not be fully verified. 

Furthermore, XXXX  still shows this account as Account not disputed, despite my repeated disputes. This misrepresentation itself makes the reporting inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 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: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/year> I upgraded my XXXX to a new XXXX. Same phone number. I tried to login to XXXX  using the new phone. I got an error message XXXX exception : unable to complete your request. Please try again later. All other apps needed a two factor authentication, XXXX  gave me no chance to authenticate. I figured that app was down so I gave it some time. About a month later and still no luck signing into the app. On XX/XX/year> I called XXXX  and reset my password, confirmed my identity through their process sending them my ID, a selfie with my ID, and confirming my most recent transactions I have received on my XXXX. This still didnt get me into the account. The customer service agent said give it 24 hours and you will be able to get in. I have it 24 hours. I cant get in. I called 3 times on XX/XX/year>. All three times I was put on a waiting list for a call back. All three times I was immediately dropped from the call as soon as I got the callback. I have almost {$4000.00} in the XXXX  account that I can not access and they are doing little to nothing to allow me access to my account. This is resulting in missed payments and interest charges on my end which they should be responsible for if they do not wish to help me resolve this issue in any timely fashion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: United Shore Financial Services, LLC
State: AZ

Complaint narrative:
Hello, I am writing to formally request the cancellation of my HELOC and a full refund of all payments made, due to significant issues and lack of action regarding the payoff of my existing loans. 
My HELOC funds were deposited into my account on XX/XX/XXXX, with the understanding and agreement that the HELOC would be used to pay off three existing loans. However, as of todayover three months laterthose three loans have still not been paid off.

Because of this failure, I have been forced to continue making payments on all three loans for the past three months. In total, I have paid an additional {$5200.00}, including the new HELOC payment. 

This is unacceptable, especially because : My HELOC payment should have been approximately {$460.00}, based on my agreement. Instead, I am being billed {$760.00}, which is significantly higher than agreed. 

Despite multiple attempts to resolve this : XXXXXXXX XXXX XXXXXXXX ( the third party involved ) has been extremely unhelpful. 
UWM has only informed me that the loan will be transferred to another servicer, which does not resolve the core issue. 
Attached file 01 - agreement of monthly payment.

Attached file 02 - follow-up from XXXX XXXX XXXX XXXX - requesting my feedback Attached file 03 - another follow-up from XXXX Attached file 04 XXXX Me, asking about the payoff loans attached to the new HELOC - no answer. 
Attached file 04 - another follow-up - same no answer. 

No one has provided solutions, updates, or accountability. 

Please treat this matter with urgency. I expect a written response within 5 business days. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding a charge made by XXXX. My bank account was charged in XXXX in the amount {$50.00} for a copay for services rendered in XX/XX/year>, and I have recently received a letter XXXX from a debt collector ( XXXX XXXX XXXX  XXXX attempting to collect the same amount.

Additionally, I would like to highlight that this copay was for a XXXX  XXXX, and the notice I received was addressed to the XXXX, which raises concerns regarding the appropriateness of the communication. 

I would appreciate your assistance in addressing this matter. 

Thank you for your attention to this issue. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
In XXXX of XXXX  i paid {$250.00} for my XX/XX/year> Victoria Secret Card Master Card, run by Comenity Bank, statement {$250.00} and was charged {$5.00} I paid {$250.00} for the FULL statement which was {$250.00} in XX/XX/year>. In XX/XX/year> they charged me an ADDITIONAL {$10.00}!!!! for the XXXX cents short pay!!!! THAT is loan sharking!!! And it just keeps going!!!! 

And when I spoke to customer service, they said there is nothing they can do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I applied for a Capital One XXXX  card a couple months ago, got approved, and used it just fine for weeks. Now, about a month ago, they locked me out of my account because they needed to prove my identity after I'd recently applied for a card. ( Which was confusing, as they have my SSN and I'd been using and paying for the card for months before they decided ... no actually they DON'T have my identity! Huh. ) I've had about 3 customer service calls with them, each one more unhelpful than the last. They just keep telling me to do the same thing, despite the fact my documents keep getting rejected. I've now submitted several kinds of utility bills, and they aren't taking anything. The customer service reps have no answer as to why my Proof of Residence isn't getting accepted... they just keep telling me to try again! What do I need to do to get access to my card back???!!!! Send a blood sample? 

Also, the customer service people told me that they'd tried calling ME several times to update me about my case. I received no such calls. Finally, this week, I discovered they have been calling my MOM when they have questions about my case WHICH MAKES NO SENSE BECAUSE THE ONLY NUMBER ON MY ACCOUNT IS MINE!!!! Meanwhile, customer service claims that it's not possible they're calling my mom!!! But alas, my mom is receiving the phone calls meant for me. So I guess that our XXXX  are just making things up!

Company response to consumer: Closed with explanation