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 was result of identity theft
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
I have disputed this debt on my XXXX XXXX account multiple times starting in XX/XX/year> when I seen my credit was got for two cards : XXXX and XXXX. I called the company in XX/XX/year> and asked for proof that i was the one who opened it up because i was living in ny and the cards were approved for an address on XXXX XXXX. I am the victim of identity theft as reported to the ftc and the XXXX attorney general. My identity has been stolen 4 times in the last 10 years and I've done my best to flag my credit bureaus and put freezes on them but sometimes they don't always verify. Someone stole all my info and used it to open up credit in my name charging XXXX of dollars to my credit report. I cant remember the dates or times because I have short term memory loss but I have written notes on what was disputed. This isn't my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
CFPB Complaint Draft Subject : Unauthorized Transactions via Cash App Account Closed I am submitting a complaint regarding unauthorized transactions conducted through Cash App while my phone was stolen. During this time, my device was in the possession of another individual who accessed my account without authorization, deleted the Cash App application, and erased all related messages. My phone was later found discarded in my backyard, and a police report was filed documenting the theft. After discovering the theft, I took immediate steps to protect my accounts : Borrowed a phone at a XXXX to call law enforcement and file the police report. From my computer the same night unlinked my debit card so this individual couldnt take any more money out my account. Monitored my bank accounts and Cash App for unauthorized activity. Reported the unauthorized transactions to Cash App and my bank ( XXXX ) as soon as possible. Secured my other accounts by changing passwords and enabling two-factor authentication where available. Despite these clear preventive measures and documented evidence, Cash App denied my claim and closed my account. I believe this decision did not adequately consider the circumstances of unauthorized access. I request that Cash App and its parent company, Block , Inc., conduct a thorough review of device access logs, login activity, IP addresses, and other indicators of unauthorized access. Given the documented theft, unauthorized activity, and proactive steps I took to protect my accounts, I am requesting reimbursement for the lost funds. Please confirm receipt of this complaint and advise on any additional documentation required to support this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Previously submitted claim ( claim ID XXXX ) was escalated to Wells Fargos executive claims specialist who now states that Wells Fargo is still denying my claim for reimbursement despite fraud involving impersonation and coercion. Someone posed as Wells Fargo, called from a Wells Fargo number, accessed my Wells Fargo bank account without my knowledge, and actively manipulated me and coached me in real time. These were not a voluntary, informed transactions. This was fraud-induced authorization. I am requesting full reimbursement of {$13000.00}. This has caused extreme financial hardship and severe emotional distress resulting in not being able to pay bills or survive.

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 — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase is being deceptive and charging overdraft fees. Several fees at a time and then they " can't do anything to remove them ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES # 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 tie 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 — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Issue : Incorrect balance, charge-off reporting, and account closure prior to due date Company : Capital One Complaint : I am filing a formal complaint regarding inaccurate reporting and improper handling of my Capital One credit card account. This account had a {$300.00} credit limit. Capital One closed the account prior to any payment becoming due. At no point before closure was I past due, nor was I provided a fair opportunity to make a payment under the original terms of the agreement. Despite this, Capital One is reporting the account as delinquent/charged-off and continues to report an inflated balance that exceeds the original credit limit. I did not authorize any charges beyond the limit, and I have not been provided a clear or itemized accounting explaining how this balance has accrued. This raises serious concerns regarding : - The accuracy of the reported balance - The application of fees or interest after account closure - The legitimacy of reporting delinquency when no payment was due at the time the account was closed Under the Fair Credit Reporting Act ( FCRA ), all reported information must be accurate, complete, and verifiable. At this time, Capital One has failed to provide documentation supporting the balance or the negative reporting. I am requesting the following : 1. A full and complete accounting of the balance, including all fees, interest, and dates applied 2. Documentation proving that any charges applied after account closure were contractually authorized 3. Correction of any inaccurate reporting, including removal of delinquency and charge-off status 4. Deletion of the account from all credit reporting agencies if the information can not be properly verified If Capital One can not provide clear and verifiable documentation supporting both the balance and the negative reporting, this account must be removed entirely. I am seeking a fair resolution and expect this matter to be handled in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: WA

Complaint narrative:
Hello, I am filing a complaint regarding a collection account reported by Sequium Asset Solutions in the amount of {$270.00}. On XX/XX/XXXX, I noticed this collection account appear on my credit report. Prior to this, I did not receive any communication, notice, or validation letter from Sequium Asset Solutions informing me of the debt or my right to dispute it. After seeing the collection, I contacted XXXX ( the original service provider ) on XX/XX/XXXX. They confirmed that there were no outstanding balances on my account. I had previously disconnected my service in XX/XX/XXXX and had multiple interactions with XXXX support confirming that no debt was owed. Several support tickets were opened and resolved, including ticket XXXX, which stated that no further action was required. I then contacted Sequium Asset Solutions on XX/XX/XXXX to inquire about the alleged debt. They stated I owed {$270.00}, but did not provide sufficient information or documentation to validate the debt, even after I provided context and supporting information from XXXX. On the same day, I filed disputes with XXXX XXXX XXXX. The account did not appear on XXXX. The disputes are still under investigation but the account status has since been updated to paid without proper validation or resolution of the dispute. I did not receive a validation notice outlining my right to dispute the debt, and I have not been provided sufficient information to verify the accuracy of the debt. The account was reported and updated without proper investigation and notice. Furthermore, the company did not have my correct address on file and was using an outdated address from XXXX. As a result, I did not receive any alleged notices, which further prevented me from exercising my rights to dispute and verify the debt. I am requesting that this account be fully removed from all credit reporting agencies due to failure to properly notify, validate, and investigate the disputed debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. XXXX XXXX XXXX All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I demand removal of the fraudulent items and cessation of all related collection activity.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I am submitting this complaint as a follow-up to Equifaxs previous response regarding fraudulent accounts reported on my credit file. I am a victim of identity theft and previously submitted a formal Identity Theft Report through the Federal Trade Commission ( FTC ), clearly identifying the accounts that do not belong to me. Despite receiving this information, Equifax failed to properly comply with the Fair Credit Reporting Act. Instead of blocking the fraudulent accounts as required under 15 U.S.C. 1681c-2, Equifax continued to report these accounts and failed to take appropriate action within the required timeframe. Equifax also did not provide any documentation to verify the accounts, such as a signed agreement, complete account history, or proof of legal ownership. In their response, Equifax requested additional identity verification documents but failed to address the core issue, which is the presence of fraudulent and unverifiable accounts on my credit report. This does not meet the requirements of a reasonable investigation under 15 U.S.C. 1681i and violates 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy. I do not recognize these accounts, I did not authorize them, and no verifiable evidence has been provided to prove that they belong to me.

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 — Banking errors
Company: Chime Financial Inc
State: DC

Complaint narrative:
Chime BankXXXX promoted a {$350.00} bonus to new customers ( terms & conditions attached ). I met all of the " offer summary '' & " eligibility and earnings reward '' requirements, but the bank is denying me a bonus due to a system error. Allegedly, because the 1st bonus was issued in the 2nd month of enrollment, the " qualifying deposit '' in 2nd month doesn't count, and now requires what would be technically qualifying deposits in the 3rd and 4th months to receive the whole {$350.00} bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXXI need to report Equifax for failing to properly investigate a disputed collection account.XXXXHere\'s the background:XXXXMy father had a XXXX XXXX XXXX. I broke my apartment lease at XXXX XXXX XXXX XXXX XXXX to move home and care for him. I gave written notice to management explaining the emergency. My father later passed away.XXXXMonths later, I saw XXXX XXXX XXXX on my Equifax credit report for $XXXX. I never heard of this company. No letter. No call. Nothing.XXXXOn XXXX XXXX XXXX, I sent XXXX XXXX XXXX a certified mail dispute letter (Tracking #XXXX XXXX XXXX XXXX XXXX XXXX). I disputed the debt, explained the medical emergency, and demanded validation under 15 U.S.C. 1692g.XXXXThey never responded. Not a letter. Not a call. Nothing.XXXXBut they continue reporting this debt to Equifax.XXXXI then disputed this tradeline directly with Equifax (via online portal and/or certified mail). I explained that:XXXXThe debt is not valid (medical emergency lease break)XXXXXXXX XXXX XXXX has no license to collect in Georgia (XXXX shows no license)XXXXThey never responded to my validation requestXXXXEquifax failed to conduct a reasonable investigation. Instead of deleting, they likely sent a automated verification code to XXXX XXXX XXXX an unlicensed company that never responded to me and accepted a "verified" response.XXXXThis violates the Fair Credit Reporting Act.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
On or about XX/XX/2026, I formally disputed an account being reported by LVNV Funding LLC and its servicer, Resurgent Capital Services, due to concerns regarding accuracy and lack of proper validation. I submitted a cease and desist notice along with a notarized affidavit requesting full validation of the account, including documentation supporting the debt, method of verification, and proof of ownership. Despite these efforts, the company continued to report negative information to the credit bureaus without providing the requested documentation or verification. Additionally, when I attempted to contact the company by phone to address the matter, their system was unable to locate my account using my identifying information. This raises serious concerns regarding how the account is being matched to my credit file and whether the reporting is accurate or complete. To date, the company has failed to provide : Documentation supporting the validity of the account Method of verification Complete payment history Date of First Delinquency Despite the lack of verification and inability to properly identify the account, the company continues to report derogatory information. I believe this conduct results in inaccurate, incomplete, or misleading reporting and reflects a failure to properly investigate disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Complaint Against : Shellpoint Mortgage Servicing ( Newrez LLC ) Account Number : XXXX I am submitting this complaint regarding inaccurate credit reporting by Shellpoint Mortgage Servicing following a mortgage servicing transfer. My loan servicing was transferred from XXXX XXXX to Shellpoint Mortgage Servicing effective XX/XX/XXXX. At the time of the transfer, I had already updated my mailing address. However, I did not receive any written notification of the servicing transfer, including where to send my mortgage payments. Because I did not receive the required written notice, I was unaware that my payments needed to be directed to Shellpoint. As a result, my account became delinquent. As soon as I became aware of the issue, I immediately contacted Shellpoint, made all required payments, and brought the account fully current. In their written response dated XX/XX/XXXX, Shellpoint acknowledged that I may not have received the required servicing transfer notifications due to an address issue. Despite this acknowledgment, they continue to report late payments for XXXX and XX/XX/XXXX to the credit bureaus. These late payments were a direct result of not receiving proper notice of the servicing transfer. Therefore, the negative credit reporting does not accurately reflect the circumstances that led to the delinquency. Because the company acknowledged that I may not have received the required servicing transfer notice, the resulting delinquency was caused by a breakdown in the servicing transfer process and does not accurately reflect my payment behavior. Under the Fair Credit Reporting Act ( FCRA ), information furnished to credit reporting agencies must be accurate and fairly reflect the account status. Additionally, under the Real Estate Settlement Procedures Act ( RESPA ), borrowers must be properly notified of servicing transfers. I am requesting the following : Removal of the late payment reporting for XXXX and XX/XX/XXXX from all credit reporting agencies ( XXXX XXXX XXXX XXXX ). Written confirmation that the credit reporting has been corrected. I have acted in good faith at all times and resolved the account immediately upon becoming aware of the issue. I respectfully request that Shellpoint correct the inaccurate reporting resulting from their failure to properly notify me of the servicing transfer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
I attempted to reach out to Wells Fargo over paused funds. Not only did both representatives have no answer for a solution, they both told me something completely different for the reason of held funds. One guaranteed it was because the bad signature, and their system flagged it for such. The other said it was an issue with the other bank, and not Wells Fargos problem, saying it had nothing to do with signature. At this point I have no clue what to believe, and am only left to believe they are just playing games with our money. Just attempting to brush me off and hopes they dont have to fix anything.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
Company : PayPal : I am filing a complaint regarding unresolved losses resulting from fraudulent activity on our PayPal account for the XXXX XXXX XXXX XXXX ( XXXX ), a registered XXXX ( XXXX ) ( XXXX ) nonprofit organization. Between XX/XX/XXXX and XX/XX/2026, our account was compromised and used to process hundreds of unauthorized " donation '' transactions. I reported the issue immediately and, upon PayPal 's instruction, manually refunded all transactions by XX/XX/2026. While PayPal credited chargebacks, they have refused to reimburse {$280.00} in processing fees tied solely to this fraud. PayPal 's refusal to reimburse fees incurred solely as a result of unauthorized transactions constitutes an unfair financial burden and may violate federal consumer protection standards governing electronic fund transfers and error resolution. I am requesting full reimbursement of these fees, as they resulted from unauthorized criminal activity and not any action by our organization. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I am filing a complaint regarding an unauthorized deposit and offset involving my bank account and an associated insurance claim payment. Funds from an insurance claim were deposited into a closed and charged-off bank account from approximately XXXX that I did not authorize, select, or have access to. I was not prompted to confirm or enter any payment method before the funds were issued. I only became aware of the account after receiving a notification showing unfamiliar account digits, and I immediately reported the issue. On XX/XX/XXXX emailed was received I called on the XXXX to report unknown account and then on XX/XX/XXXX I received email about reopening an old account. I personally have tried resolving since XXXX XXXX. I contacted them via phone and messages through app XXXX. On XX/XX/XXXX I spoke with an adjuster who help escalate issue I never received those funds until XX/XX/XXXX in order to get my car repaired so I could return rental. XXXX XXXX has confirmed on a recorded call that the account used was an outdated payment method that remained on file and was not updated. Despite being closed for over a decade, the account was reopened internally to accept the deposit, and the funds were then applied to an old overdraft balance without my authorization. This resulted in me receiving only a partial amount of my claim funds. The remaining amount had to be reissued. I am disputing the legality of depositing funds into a closed account without authorization and applying those funds to a prior debt. I did not initiate this transaction, did not authorize the account used, and did not have access to the account at the time of deposit.

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