vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: NC

Complaint narrative:
I am filing a complaint regarding a third-party collection agency ( Security Credit Service ) that is reporting and attempting to collect a debt originally associated with XXXX XXXX XXXX XXXX XXXX This account is currently being reported by the original creditor as a charge-off and separately by Security Credit Service collection agency . I am concerned that this may result in duplicate or misleading reporting that does not accurately reflect the status of the account. Additionally, the reporting of this account is inconsistent across credit bureaus. The account does not appear on all credit reports, which raises concerns regarding the accuracy, completeness, and verification of the information being furnished. I have not been provided with sufficient documentation from the collection agency to verify that they have the legal authority to collect this debt, including proof of assignment or transfer from the original creditor. Furthermore, the underlying account is currently in dispute due to a billing and servicing error with the original creditor. Despite this, the collection activity and reporting have continued without proper validation. Under the Fair Debt Collection Practices Act, 15 USC 1692g, I am requesting full validation of this debt. I also have concerns regarding the accuracy of reporting under the Fair Credit Reporting Act, 15 USC 1681, as the information being reported may be incomplete, inconsistent, or misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I called Monday XX/XX/XXXXXXXX XXXX to request a lien released letter. My truck has been paid off for XXXX years. I live in the state of XXXX. XXXX did not ever received the letter that they released the XXXX either. It still shows a lien on my title. My truck got totaled from the insurance and they needed the XXXX XXXX letter. I called and requested it. They told me it'll take XXXX to XXXX business days to receive it in the mail. I asked if they can fax it too. The insurance company they said yes and I'll take XXXX hours. I call again XXXX. They say they turn out said no. I'll take XXXX to XXXX business days still and then when I ask him can I email it to me? They turn around and said that they don't have email capabilities

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 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

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 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Self Financial Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I lost my phone and wallet when I finally got a new phone I contacted XXXX XXXX to dispute everything along with copys of a police report I submitted this dispute XXXX times and they keep denying it stating it was authorized by a user clearly I did not have my phone so whoever made these purchases were able to do it via phone / card. No matter what I do this company refuses to value my years of service and outstanding banking services as a client. Im stuck not knowing what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
This debt is over XXXX XXXX XXXX XXXX previously removed. The collector is falsely reporting a 2023 payment. I havent touched this account purposely because I didnt have the money XXXX was waiting for it XXXX fall off my XXXX XXXX. It finally did and now its back on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XXXX XXXX XXXX XXXXXXXX I called TD Auto finance at approximately XXXX pm. I some with a representative who advised me an order for a repossession has been placed, I then asked the rep what should I pay, she informed me the past due amount of XXXX. I made the payment over the phone and specially asked is that all I needed to pay, I informed get next XXXX I will get the account caught up, she stated yes. I've been specifically as the representative was this payment going to cancel the repossession order and that I did not have to worry about my car getting repoed. The representatives said yes I am placing the cancellation order now You do not have to worry about your car being repoed. Later on that night about XXXX a.m. they repossess my car. I called on XXXX the XXXX and ask to speak with a supervisor who then listen to the recorded conversation and they canceled the repossession fees and I paid an additional {$1000.00} to get my account brought up to the right balance. I explain to them that I was specifically told yesterday that my car would not be repossessed and that I only needed to pay {$400.00}. I spoke with the repossession company who indicated that they had indeed received the cancellation notice after they had repossessed my car because they are on a different time zone. I have tried to contact TD Auto finance several times because this repossession is now on my credit report My credit report has taken a hit because of it also I have requested the written transcript of the conversation that the representative and I had on XXXX the XXXX to which they have not given me and they have replied to me that they can not and will not supply me a copy of that in order for me to dispute this repossession on my account. My car should not have been repossessed based on the fact that I had sent over the payment I had specifically asked the representative was my car going to be repossessed to which the order should have been canceled and her response was they are not going to repossess your car. I have no way of disputing this without a written statement or transcript of exactly what happened they have refused to give this to me and because of that I have sustained financial hit to my credit report and this has been detrimental to my financial growth

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: GA

Complaint narrative:
I went on a cruise and came back XX/XX/XXXX. The XXXX XXXX XXXX said that they released the funds. The people that I was on the cruise with it definitely got their refund back after maybe XXXX to XXXX weeks. I am now trying to get my refund, but I was not able to. I contacted XXXX XXXX and managed to get all the way up their chain, and they were sending me several documents with a XXXX balance. Cash App said that theyre still gon na hold the funds because none of this proves that I owe them no money. I was able to get a letter from the manager of XXXX XXXX himself letting Cash App know that these are the authorization cXXXXe. This is the whole amount and that I owe no money to release the funds. Cash app is stated that they still wont release the funds until its been a complete XXXX days. I told them where can I find this at and they said in their terms in agreements. I I mentioned all the documents that I sent, and they still said they will not accept these documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: IN

Complaint narrative:
Affirm /amount XXXX / case ID XXXX Processed XXXX I am disputing a loan issued by Affirm for a XXXX purchase that I did not intentionally complete. I was browsing tickets on XXXX and selected the pay with Affirm option solely to review potential payment terms. I was reviewing ticket prices and payment options and did not knowingly authorize a purchase. Despite contacting Affirm immediately, the dispute process was not handled properly, and I did not receive adequate communication. My dispute was denied without a clear explanation or evidence of authorization .At no point did I knowingly confirm or intend to complete a purchase This situation has caused financial hardship, as l am currently unemployed and awaiting a XXXX determination

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST NATIONAL BANK OF OMAHA
State: AZ

Complaint narrative:
I am filing a complaint against First National Bank of Omaha ( FNBO ) regarding an unauthorized transaction on a closed credit card account. Transaction details : Posted Date : XX/XX/year> Purchase Date : XX/XX/year> Description : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Amount : {$2800.00} I did not authorize this transaction and have reported it to FNBO. However, FNBO has stated that they do not provide a formal dispute form and has not provided a clear written method to submit my dispute, despite my request. Under the Fair Credit Billing Act, I understand that I have the right to dispute unauthorized charges and to have my claim properly investigated. FNBOs failure to provide a formal dispute process or accept a written dispute is preventing me from exercising my rights. I am requesting that FNBO : Open a formal fraud investigation into this transaction Remove the unauthorized charge and any related interest or fees Provide written confirmation of the dispute and investigation Suspend any collection activity during the investigation 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 2026-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I was in XXXX from XX/XX/XXXX to XX/XX/XXXX. On the on XX/XX/XXXX, I was drugged and robbed by XXXX girls in XXXX. They took my cell phone my cash and other documents. They then over the next two days use my cell phone to make unauthorized transactions and basically empty out my account. I reported the incident on the ninth. I went into the bank on the XXXX and made a claim Personally with the banker and told them that my phone and all of my information inside was taken and used to make unauthorized transactions on my account. We found the claims and in a few days I called and was notified that one of the claims was denied. I then began to gather evidence because I felt that they would deny all the claims so I contacted the hotel. I got an incident report. I filled a IC3 report. I also gathered my phone transaction, history and phone receipts showing that I purchased a new phone and sent all of that in to Wells Fargo a couple days later I receive more notices that all of the claims have been denied despite me sending in all of the evidence showing that my phone was stolen and was used to make the unauthorized transactions.

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 2026-03-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Americor Funding, LLC
State: ME

Complaint narrative:
I am finding out about a XXXX XXXX account they took XXXX for fees to settle it, XXXX XXXX said they were late and will not settle it, then why did this Company take settlement fees? They were late, and XXXX XXXX says I have to additionally pay XXXX? What???? I have paid out so much money already ; I paid another account XXXX. I want my settlement fee back, they paid late, not my fault and I have XXXX more to pay. They said they paid XXXX XXXX XXXX XXXX XXXX XXXX which they would not tell me who bought it ) XXXX payments out of XXXX, not true, they paid XXXX only. out of XXXX. I have the proof, I made XXXX payments at XXXX, never was late out of my SSDI check, why were they late. I was never told all these accounts were being taken over by the debt collector companies. I could have done this myself. My credit is ruined now. Please stop this company from stealing and lying to people. They stole XXXX dollars out of my dedicated account. I had XXXX, and cancelled this program on XX/XX/year>, by XX/XX/XXXX, there was XXXX missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I initially had a home equity line of credit with XXXX and I was called by Pnc bank to see if I was interested in opening a line of credit with them. I cancelled my XXXX line of credit and opened the line of credit with Pnc. I opened a checking account like I was instructed to do and in XXXX of 2026 there was an annual fee of {$50.00} that I was required to pay. I had trouble transferring money from external account and called several times. Eventually the money went through however Pnc placed my line of credit on hold and is requiring me to resubmit all paperwork that I already submitted to reopen my loan. This is an absolute disgrace. I have not even had the line of credit open or even had a chance to use it. I was depending on utilizing this line of credit and now I am unable to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: FIRSTBANK PUERTO RICO
State: NY

Complaint narrative:
XX/XX/year> - First emailed my mother 's contact at First Bank XXXX and questioned how to filled out some of the Affidavit and Indemnification paperwork, never received a response and made dozens of calls trying to get in contact with the singular employee that was able to help close my late grandmother 's CD account. I left weekly messages for him and never received a response. XX/XX/year> - Sent notarized documents without clarification to the branch address listed online, no response. XX/XX/year> - Resumed emailing/calling asking for updates on the documents, still no response. I continue to leave messages at least once a week. XX/XX/year> - I call the bank XXXX times in a row until I reach someone who can help me, apparently the original contact is no longer handling my case, but no one will tell me who took their place. XX/XX/year> - I finally get in touch with the new employee who is handling the case, who asks for a notarized formal letter with their name on it instead. I send it out that day. XX/XX/year> - XXXX resume emailing the new contact asking for updates XX/XX/year> - XXXX contact customer care and mention bringing this to the CFBP and FDIC and am immediately called by XXXX supervisors who assure me this is being worked on and will be resolved swiftly. XX/XX/XXXX - I am asked for proof of residence and submit XXXX bills and a tax document as proof XX/XX/XXXX - I get an email stating that the documents are sufficient and they will ship the check out soon XX/XX/XXXX - I follow up and am told they are working on it and to keep waiting, but no specifics given XX/XX/XXXX - I follow up and am told to wait until next week for any updates, again no specifics on why

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I have received recent letters from Portfolio Recovery Associates LLC, on a business transaction they did for they business interests. Based on the following FCRA codes they have violated my rights. Per FCRA and according to 15 US Code 1692 G, you have violated my rights by in-lawful communications. Please remove this collection off my credit report. Also, According to FCRA Section 605 B, it is illegal to report inaccurate information, including information without my permission, or information that is known to be misleading, to a credit reporting agency. Please have this removed from my credit report and have a cease and desist from Portfolio Recovery Associates LLC aka PRA LLC. I also never signed any contracts or legal documents with PRA LLC or have done business with them either

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding Jefferson Capital Systems , LLC XXXX their continued reporting of an alleged debt without proper validation. I disputed this account, XXXX it was marked as verified. However, I have not received any documentation such as a signed contract, proof of assignment, or a complete payment history XXXX support the validity of this debt. Under the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ), a debt collector must provide proper validation of a debt. Reporting a debt without providing validation is inaccurate and misleading. Despite my request, Jefferson Capital Systems , LLC continues XXXX report this account without verification. Due XXXX their failure XXXX properly validate this debt, I am requesting that this account be deleted from all credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I am writing to formally appeal the denial of my fraud claim regarding unauthorized transactions totaling {$1800.00} ( {$1200.00} via XXXX and {$600.00} via XXXX XXXX ). I was the victim of a scam and sent these payments under false pretenses. I did not knowingly authorize these transactions as legitimate payments for goods or services. I was misled and deceived, which directly resulted in this financial loss. I have already filed a police report regarding this incident and can provide any supporting documentation, including transaction details and communications related to the scam. Under the Electronic Fund Transfer Act ( Regulation E ), I am requesting that this case be re-investigated as fraud. These transactions were induced through deception, and I did not intend to authorize them in a legitimate context. I respectfully request : - A full re-investigation of my claim - Provisional credit while the investigation is ongoing - A written explanation of the initial denial Sincerely, [ XXXX XXXX

Company response to consumer: Closed with explanation