vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
Subject : Request for Debt Validation Rent Recovery Solutions I am writing to formally dispute the alleged debt reported by Rent Recovery Solutions in the amount of {$11000.00}. I am requesting validation of this debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following documentation : Proof that I am legally obligated to pay this debt. A copy of the original lease agreement or contract bearing my signature. An itemized breakdown of the total amount claimed, including all fees, penalties, and charges. Documentation showing that Rent Recovery Solutions has the legal authority to collect on this debt. Verification that the amount reported to the credit reporting agencies is accurate. Until this debt is properly validated, I request that all collection activity cease and that the account remain marked as disputed with all credit reporting agencies. If you are unable to provide the requested documentation verifying the debt, I request that the account be removed from my credit report immediately. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I receive SS Retirement on my Wells Fargo Account. Info : i can not change this account so easy because i live in XXXX snd need to go to XXXX XXXX to change this account so this is why this has happened at least XXXX in 2 years. Problem, my direct deposit goes into my Wells Fargo Bank from my SS Retirement. so what they do they put my money on hold for 2 weeks saying its a security issue. so everytime i have to call them up comfirming that its me. ( i changed my tele number to XXXX number so i cancelled my USA number. not paying XXXX $ a month for a number i dont use. ) but i have a XXXX machine and 2 email addresses that they csn use. i bought the machine but they very seldom use it for my advantage only their advantage. I have bills to pay so they can not rxpect me to wait for XXXX weeks until i get the money that belongs to me. ( i am closing this account as soon as i get an appointment with the XXXX ) The picture i am sending is the bank where i transferred the money from and it should go on this bank. i could not do any transactions on my Wells Fargo bank website

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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MD

Complaint narrative:
Debt was already paid creditors agreed to remove from credit report it still had not removed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Selene Holdings LLC
State: VA

Complaint narrative:
This is the latest email I have sent to Selene finance. For XXXX months I have been trying to release this house back to Selene XXXX and they have given me the complete run around. They keep asking for specific documents and I am providing them these documents and they are still not moving my case forward. They continue to have a lack of communication with me, even though I am willing to give up the house. " Good morning, I am writing with a heavy heart to formally request that the property located at XXXX XXXX XXXX be released back to you. Over the past several weeks, I have made multiple attempts to contact your office regarding this matter, but unfortunately I have not received any response. This situation has been extremely difficult and stressful for me, and the lack of communication has made it even harder to find a resolution. I am currently in an active bankruptcy, and my financial situation has deteriorated to the point where I am simply no longer able to continue making payments on the home. This has not been an easy decision. The home represents stability and memories, and letting it go is something I never imagined I would have to do. However, given my current circumstances, continuing to hold onto the property is no longer financially possible for me. I am doing my best to address my financial obligations responsibly during this challenging time, and part of that process is acknowledging when I can no longer maintain ownership of the property. Releasing the house back to you is the most honest and practical step I can take under the circumstances. It is my sincere hope that we can work together to move forward with this process in a way that is respectful and orderly. I kindly ask that someone from your office please reach out to me as soon as possible so we can discuss the appropriate next steps. Your prompt attention to this matter would mean a great deal to me during an already overwhelming time. Please contact me at XXXX at your earliest convenience. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: IL

Complaint narrative:
On XXXX XXXX I asked XXXX the mover for services and on XXXX XXXX I confirmed the services that he said he was going to charge {$400.00}. He requested theres a {$50.00} deposit and I sent that on XXXX XXXX. I was told he was going to arrive at XXXX XXXX or XXXX XXXX. I didnt receive a call until XXXX XXXX. He and a partner only took out my bedroom set and my sofa. When arriving to the new destination. He began to switch up and say he charges to put my sofa in the basement and bedroom set in the room. Which was never discussed. He demanded full payment before taking any items off the truck. I refuse, until the service is done. Thats when he then said the total is {$450.00} and the {$50.00} Ive sent was only a deposit and didnt go to the bill. Again, was never discussed and I supposed to pay a remaining of {$350.00}. Throughout the entire process, he criticized the way Ive had all of my belongings. Ive asked to check the truck when he was done and he insulted me saying, You didnt have much, you only stayed in a studio., Youre staying at your mother house. after all of the insults he left at midnight, I then checked all of my belongings to see he left some trash in our bathroom and use our bathroom without permission, he ripped my mattress cover-up that I paid for that day, and left a vape. He then begin to harass me, texting my phone and calling my family and I vulgar names, also reaching out to my friend, saying Im belligerent, and crazy. While also having a lengthy paragraph fabricating and having his social media friends saying theyre going to fight me. After notify my bank of this issue I was denied a refund TWICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Debt Validation Request To Whom It May Concern, I am writing in response to your recent communication regarding an alleged debt. Under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. Please provide the following information : The name and address of the original creditor. The account number associated with the alleged debt. The total amount of the alleged debt, including any interest, fees, or charges. Copies of any documents bearing my signature that show I agreed to this debt. Proof that your company has the legal authority to collect this debt. Documentation showing the chain of ownership if the debt was purchased from another creditor. Until this information is provided, please cease all collection activities and communication with me regarding this account. If you can not provide the requested validation, please confirm in writing that this account has been closed and that you will cease collection efforts. Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Consumer Feedback Response Re : Case # XXXX | Account # : XXXX I. Rebuttal of Company Response The companys response is insufficient and fails to address the core of the dispute. Simply stating that " verification information '' was mailed or is " available on a website '' does not satisfy the legal requirements for debt validation under the Fair Debt Collection Practices Act ( FDCPA ) or the Fair Credit Reporting Act ( FCRA ) when a consumer has specifically challenged the legal standing of the debt. II. Statutory Non-Compliance Under 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681i ( FCRA ), the company has a responsibility to conduct a reasonable investigation and provide substantive proof of the alleged debt. To date, the company has failed to provide : The Original Executed Contract : An actual official document or digital contract signed by XXXX XXXX agreeing to the terms of the alleged account. Proof of Purchase/Assignment : Evidence of the specific " Purchase and Sale Agreement '' showing this individual account was legally transferred to MCM, as required under UCC Article 9 to prove ownership and the right to collect. Complete Accounting : A full statement of the account from a XXXX balance to the alleged amount due to ensure accuracy. III. Demand for Specific Action I do not accept the companys " Closed with Explanation '' status. A digital summary or a generic letter is not " verification '' of a contract I claim does not exist or is inaccurate. I am requesting that the CFPB compel Midland Credit Management to : Produce the signed contract or remove the derogatory tradeline from all Credit Reporting Agencies immediately. Cease all collection efforts until the specific physical documentation requested is provided, as per my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Not sure who LVNV FUNDING LLC is never did any business with them or signed any contracts with them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
SMALL BUSINESS ADMINISTRATION U.S. DEPARTMENT OF THE TREASURAY XXXX XXXX XXXX DEBT INDETIFICATION NUMBER : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 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: NC

Complaint narrative:
Your Name Your Address City, State ZIP Phone Number Date Collection Agency Name Agency Address City, State ZIP Subject : Request for Debt Validation To Whom It May Concern, I am contacting you regarding a debt you claim I owe. This letter is a formal request for validation of the alleged debt as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following : The name and address of the original creditor The full account number for the alleged debt A detailed breakdown of the amount you claim I owe, including interest, fees, and other charges Copies of any contract, agreement, or documentation bearing my signature that shows I am legally obligated to pay Proof that you are legally authorized to collect in my state Proof that you have the right to collect this specific debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: NC

Complaint narrative:
Subject : XXXX XXXX XXXX Rent Recovery XXXX XXXX XXXX XXXX XXXX Information : Rent Recovery XXXX XXXX, GA Please escalate to FTC as prior complaint has been ignored by Rent Recovery Solutions. Complaint Details : I am submitting this complaint against Rent Recovery XXXX for attempting to collect a debt that I do not legally owe. Background : I was a tenant at XXXX XXXX at Complex in XXXX, Florida from XX/XX/XXXX to XX/XX/XXXX. During my tenancy, I repeatedly reported serious habitability issues, including mold and XXXX infestations, beginning on XX/XX/XXXX. Despite my notifications, maintenance never addressed these issues, even when the housing authority coordinated inspections and requested management action. I sent my XXXX notice to vacate, which was never acknowledged by the apartment complex. I moved out 18 days early due to unsafe and uninhabitable living conditions. After I moved out, I received letters from XXXX XXXX demanding payment. The apartment complex subsequently turned my account over to Rent Recovery XXXX for collections, despite my proper notice and the documented unsafe conditions. Documentation Submitted : I have submitted all evidence to support my claim, including : Emails and correspondence with XXXX XXXX XXXX and corporate Move-out and XXXX notices Housing authority communications Photographs of mold and XXXX infestations Correspondence with Rent Recovery XXXX A prior complaint submitted to the CFPB, which Rent Recovery LLC has ignored Violation of Law : Rent Recovery XXXX is attempting to collect a debt I do not owe and is ignoring proper documentation proving this. This is likely a violation of the Fair Debt Collection Practices Act ( FDCPA ) and constitutes unfair, deceptive, and abusive debt collection practices. Requested Action : I request that the FTC investigate Rent Recovery XXXX and take appropriate action to prevent them from continuing to pursue this invalid debt. I also request that this collection account be removed immediately from my records and that all further collection attempts cease. This should also be deleted from my credit report on all three credit bureaus, XXXX, XXXX, and XXXX. Previous complaint to CFPB has been ignored by this company and they are reporting negatively to credit bureaus. Attachments : All supporting documents referenced above.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-05 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: Meta Payments Inc.
State: MI

Complaint narrative:
I am a seller on XXXX XXXX seeking the release of {$440.00} for XXXX # XXXX. The item was confirmed delivered to the buyer on XX/XX/year> ( XXXX XXXX : XXXX ). XXXX official platform policy states that payouts are initiated 5 days after delivery confirmation. As of today, XX/XX/year>, the XXXX window has expired. Despite meeting all requirements, the platforms payout dashboard is incorrectly displaying a placeholder date of XX/XX/year>, effectively withholding my funds for an additional 10 days without cause. I have attempted to resolve this through their automated support channels but have received no manual review or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: Block, Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting a complaint regarding Square Financial Services , Inc. ( Block , Inc. ) and their business lending product, Square Loans. My business has previously obtained multiple loans through Square and has successfully repaid each one according to the agreed repayment terms. After completing the most recent loan, I applied for a renewal as I have done several times in the past. The renewal request was denied with the explanation that my business has too many UCC filings. However, the UCC filings referenced in the denial were already in place during the previous loan approvals issued by Square. My business was approved for approximately four prior loans while these same UCC filings were publicly recorded and active. Because these filings existed during prior underwriting approvals and did not prevent Square from issuing loans previously, the reason provided for the current denial appears inconsistent with prior underwriting determinations. Given my established repayment history and the presence of the same UCC filings during previous approvals, I am requesting that this matter be reviewed to determine whether Squares underwriting decision was applied consistently and fairly. Specifically, I am requesting : A clear explanation as to why these UCC filings were acceptable during prior approvals but are now being used as the sole reason for denial A review of whether the underwriting decision was applied consistently Reconsideration of the loan renewal application in light of the repayment history and prior approvals XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Product : Square Loans ( Square Financial Services, Inc. ) Thank you for your attention to this matter. I appreciate the CFPBs assistance in reviewing this complaint. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rent Recovery Solutions
State: AR

Complaint narrative:
I want my personal information to stop being sold. I want to this account to be removed of my credit report. This lease was not reported at all on credit report there's no payment history it would have showed this was account is fraud. I want pain and suffering pay because of this account is holding me back.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-05 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: FL

Complaint narrative:
I am filing this complaint regarding multiple unauthorized transactions made through my XXXX XXXX account. On XX/XX/XXXX, several transactions were processed under the name XXXX XXXXXXXX XXXX XXXX XXXX without my authorization. A total of XXXX unauthorized transactions were charged within a very short period of time. These transactions include amounts such as {$1.00}, {$19.00}, {$260.00}, {$19.00}, {$22.00}, {$99.00}, {$190.00}, {$190.00}, {$190.00}, {$190.00}, {$22.00}, {$99.00}, {$190.00}, {$190.00}, {$190.00}, and {$78.00}. These charges occurred rapidly within minutes of each other, which clearly indicates suspicious or fraudulent activity. I did not authorize these payments, nor do I know the individual listed as XXXX XXXX. I immediately reported the issue to XXXX XXXX and opened dispute # XXXX. However, despite the obvious fraudulent pattern of transactions, the funds were still processed and withdrawn from my account. This situation has caused significant financial harm and distress. XXXX XXXX failed to properly detect or prevent these suspicious transactions and did not provide adequate protection for my account. Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, consumers are protected against unauthorized electronic transactions. I request that XXXX XXXX conduct a thorough investigation and refund the full amount of all unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
I have attached a debt that is not mine. I have called XXXX and they verified that I owe XXXX debt. I tried to dispute this and was told that it is my debt. The only account I have ever had was the XXXX attached and shows I have a XXXX balance. Please remove this from my credit and all XXXX credit reporting companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 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: LA

Complaint narrative:
I am filing this complaint regarding multiple unauthorized electronic fund transfers that occurred on my XXXX XXXX account and were reported under dispute ID XXXX. On XX/XX/XXXX and XX/XX/XXXX, several transactions were sent from my account to a recipient identified as XXXX XXXX. These transactions were not authorized by me and appear to be fraudulent. I promptly reported the activity through the XXXX XXXX application and disputed the transactions. The unauthorized transfers include the following amounts : {$180.00} {$170.00} {$150.00} {$97.00} {$130.00} {$140.00} {$99.00} {$190.00} {$140.00} {$9.00} {$49.00} {$95.00} {$140.00} {$140.00} {$140.00} {$150.00} These transactions total {$2000.00} and were processed within a short period of time without my authorization. XXXX XXXX indicates that an agent is investigating the matter, but I have not received reimbursement or a clear written explanation of the investigation results. Legal Basis Under the Electronic Fund Transfer Act and Regulation XXXX, financial service providers must conduct a prompt investigation into unauthorized electronic fund transfers and provide appropriate resolution, including reimbursement when transactions are confirmed to be unauthorized.

Company response to consumer: Closed with explanation