vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am filing this complaint regarding a collection account being reported by LVNV Funding LLC and Resurgent Capital Services. The account, with a reported balance of {$1600.00}, was opened on or about XX/XX/year>, and is listed as a collection account on my credit report. The original creditor is listed as XXXX XXXX XXXX. I previously disputed this account and requested full validation of the alleged debt. Specifically, I requested proof of legal standing, a complete chain of title from the original creditor, the original signed agreement, and a full account history. To date, this information has not been provided. Despite this, the account continues to be reported as a derogatory collection account. As a debt buyer, LVNV Funding LLC must be able to provide documentation proving ownership of the debt and the accuracy of the information being reported. Without proper validation, this account is unverifiable. Under the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate, complete, and verifiable. Reporting an unverified account is a violation of federal law. I am requesting that LVNV Funding LLC and Resurgent Capital Services either provide full and proper validation of this debt or immediately delete this account from all credit reporting agencies. I expect this matter to be investigated and resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: OH

Complaint narrative:
XXXX XXXX * TRADE is withholding funds in my checking/savings account and refusing to allow me to transfer or withdraw my money. I submitted the requested verification documents more than XXXX week ago. The bank continues to state only that the matter is processing and has not provided a release date, written explanation, or meaningful update. They have provided no contact on the issue, failing to tell me what is required. XXXX separate phone calls a week apart to find out I need to provide something else in order to unlock my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc.
State: MS

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is # xxxxx is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
My student loan account became over XXXX days delinquent during a XXXX maternity leave. My payments are normally made through an employer-sponsored benefit administered via XXXX. During my leave, these payments were paused without clear notification, which directly led to the delinquency. As soon as I became aware, I brought the account current. This delinquency was not due to refusal to pay, but due to a third-party payment interruption tied to maternity leave. I am requesting a review and removal of the delinquent reporting due to these circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Back in XXXX I accidentally sent {$1300.00} to the wrong individual on cashapp. I requested refund. CA informed me they would refund the transaction. But I never received the funds back. They just recently emailed me back and said they sent it back but my bank ( Chase ) in which where the funds were taken from but theres no trace or enforced or monies or transaction on record to verify that. Chase also verified they never received refund even tho cashapp said they sent it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am submitting this complaint regarding improper insurance charges and related interest being added to my auto loan account. On XX/XX/XXXX, an amount of {$280.00} was added back to my loan. I believe this represents double interest being charged each monthonce for the car loan itself, and again for insurance that has been force-placed on my account. I have maintained active insurance coverage with XXXX for this vehicle. Despite providing proof of this coverage, my account continues to be charged for additional force-placed insurance. On XX/XX/XXXX, I was charged {$140.00} for insurance. On XX/XX/XXXX, I submitted my XXXX declaration page as required to confirm valid coverage and resolve this issue. Nonetheless, on XX/XX/XXXX, my account was charged again for {$140.00} for insurance coverage that was not needed. At the time my loan began in XX/XX/year>, I informed the company that obtaining insurance on this older vehicle could be challenging. I was assured the situation would be manageable and was never advised that I could be charged interest twice for XXXX vehicle in the same month. I am requesting that the lender : Remove all improper force-placed insurance charges and related interest from my account. Confirm acceptance of my valid XXXX insurance. Provide an explanation of how these force-placed insurance charges were applied despite timely proof of coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
This is the third complaint I've submitted within XXXX months. Again, Citizens Bank alerted us via-e-mail that the account was overdrafted XX/XX/year>. {$400.00} was needed to cover transactions by XXXX XXXX from the e-mail sent at XXXXXXXX XXXX. Over {$500.00} dollars was deposited into the account before XXXXXXXX XXXX However, because of the intentional, programmed reordering of transaction posts, we were assessed {$240.00} in overdraft fees. {$100.00} were assessed for overdraft fees, without any notifications being sent on XX/XX/year>. for XX/XX/year> there was sufficient funds to cover all transactions. An additional {$140.00} were assessed on XX/XX/year> although the funds were required were deposited well before the XXXX XXXX. cutoff period. I am formally requesting an investigation be done into how Citizens is processing transactions. Even when you place the necessary funds, transactions are re-ordered in the late hours to position the possibility to overdraft. I intentionally take screenshots to keep records of the order of the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am submitting this complaint regarding an unauthorized international money transfer from my checking account and debit card, and the failure of both Wells Fargo and XXXX to properly investigate and resolve the issue. On XX/XX/year>, a transaction in the amount of {$1200.00} was sent through XXXX from my Wells Fargo checking account using my debit card. I did not authorize this transaction. I have never used XXXX before, nor have I ever conducted an international money transfer. After discovering the unauthorized charge, I filed a claim with Wells Fargo, which was denied. I was informed that the case would not be reopened unless I could provide new evidence. On XX/XX/year>, I contacted XXXX directly to obtain more information. During that call, a customer service representative informed me that : An email address and phone numberneither of which belong to mewere used to create a XXXX account in my name. The funds were sent to an individual named XXXX XXXX in XXXX, a person I do not know and have never had any dealings with. I have no history of transactions with XXXX and did not authorize this account or transfer. I have made multiple attempts to obtain documentation or confirmation of this information from XXXX so I can provide it to Wells Fargo as evidence. However, XXXX has repeatedly refused or failed to provide any documentation, stating only that the case is being looked into, with no updates. Despite clearly communicating to both companies that this transaction was fraudulent and unauthorized, neither Wells Fargo nor XXXX has taken appropriate action to investigate thoroughly or refund the stolen funds. Wells Fargo has refused to reopen my claim, and XXXX has failed to provide critical information needed to support my case. I believe this situation demonstrates a failure to comply with consumer protection obligations regarding unauthorized electronic fund transfers and fraud investigation procedures.

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 monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am filing a formal complaint against Citibank regarding their failure to conduct a reasonable investigation under the Fair Credit Reporting Act ( FCRA ). I submitted an identity theft claim, which Citibank denied, stating only that the information matches their records. This response is insufficient and does not constitute proof that I authorized or opened the account. Citibank has failed to provide : - Any signed account application or agreement - Any proof of authorization ( signature, IP logs, or identity verification ) - Any documentation demonstrating that I personally opened or used this account Simply stating that internal records match is not valid verification under FCRA 611 and 623. This reflects a superficial or automated investigation rather than a lawful and reasonable one. As a result, Citibank is reporting inaccurate and unverified information to XXXX XXXX XXXX, causing harm to my banking history and ability to access financial services. I am requesting the following : 1. Immediate deletion of this account from XXXX XXXX XXXX 2. A full reinvestigation with proper verification standards 3. Written confirmation of the actions taken If Citibank can not provide verifiable evidence of authorization, they must cease reporting this account immediately. Failure to resolve this matter will result in further escalation for non-compliance with federal law. I am prepared to provide any necessary documentation, but I expect a lawful and thorough resolution. Sincerely, XXXX 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 2026-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I have a XXXX XXXX XXXXXXXX that is pending repossessing assignment. I am disputing this action because I have belief the repossessing of my vehicle is coming from the state of Florida governors office and not based solely on me not making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: AMERICAN HONDA FINANCE CORP
State: NC

Complaint narrative:
I am submitting this complaint regarding my lease with Honda Financial Services and a significant issue involving lack of disclosure at the time of signing. When I entered into my lease agreement, I was not clearly informed that the contract included a restriction preventing third-party dealer buyouts. This limitation has a major impact on my ability to trade in or sell the vehicle outside of a Honda dealership. Recently, I contacted the original salesperson who handled my lease, XXXX XXXX XXXX ( XXXX ( XXXX ) XXXX ), and she acknowledged that this restriction was not explained to me at the time of signing. This confirms that I was not fully informed of a critical term in the agreement. Because this information was not disclosed, I was unable to make a fully informed financial decision. Had I known about this restriction, I would have reconsidered entering into this lease. At this time, my financial situation has changed, and I am dealing with negative equity and a monthly payment that is no longer sustainable. I am attempting to transition into a more affordable vehicle, but the restriction on third-party buyouts is preventing me from doing so and is causing financial hardship. I have maintained my account in good standing and have consistently made all payments on time. I contacted Honda Financial Services to request a one-time exception to allow a third-party dealer buyout, but my request has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I asked my escrow account to be cancelled. ( I would like to pay my own taxes and insurance ). My request was denied because I was not meeting the following criteria. " Loan to value ratio must be less than 80 % ''. House appraised at {$400000.00} at closing ( XX/XX/XXXX ). Remaining balance on the loan is {$280000.00} ( XX/XX/XXXX ). The LTV is 71 %, Which is below 80 %. I would like my escrow account to be cancelled please.

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 2026-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
Okay, so what happened is I got a loan almost five years ago with One Main Financial, and we set up payment terms. Things seemed to be changing. Interest charges were higher than they explained to me on the documents. The payments were higher than we thought. Payments continued to increase, and there was no debt validation or explanation, and they closed the loan. There was really bad service throughout the entire process, trying to get details, trying to get debt validation, trying to get clarity on the loan, trying to set up payment options. Nothing ever worked out. It was with One Main Financial and myself, XXXX XXXX. The loan was taken out five years ago in the amount of, I believe, {$10000.00}. Let me log in there now and take a look and see if I still have access. All right, so the loan currently has, you have no active loans associated in the online account with One Main Financial. So I don't know what happened to the loan. I don't know if it's in credit. I don't know if it's in collections. I don't see it anywhere, trying to get clarity on it because I felt like this loan was misleading and I didn't understand what I was signing, and they didn't explain payment options well and interest charges well, and I felt like a sales guy was pushing commissions for this loan. So I need it validated, verified, and removed from my credit report and removed from collections, and I feel like a fair balance would be I had paid over 50 % of the loan back, so I want it just removed entirely. I worked with them as long as they worked with me. Nobody answers. Nobody can recall where the loan is or where it now resides, so I have no idea where it is. So I just need it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Co LLC
State: TX

Complaint narrative:
I discovered a collection account from Debt Co LLC d/b/a Debt Co Collections on my credit report for {$100.00} even though I never received the required initial written notice before this account was placed on my credit. Debt Cos own website identifies Debt Co LLC as a debt collector and lists its business as Debt Co Collections. Under FDCPA 1692g / 809, a debt collector must send a written validation notice containing key information about the debt within five days of the initial communication unless that information was already provided in the initial communication. That notice must include, among other things, the amount of the debt and the name of the creditor. I never received that notice before this company reported the account. After I saw this account on my credit report, I contacted Debt Co and requested proper validation well over 60 days ago. I asked for the name of the original creditor, a full itemization of the balance, documents showing I actually owe this debt, proof that Debt Co has legal authority to collect it, and documents showing the account was properly and lawfully furnished to the credit bureaus. I have still not received proper validation. Instead, this account continues to be reported on my credit, even though I disputed it and requested documentation. That is a serious problem because the FCRA requires maximum possible accuracy, and the credit reporting system uses the XXXX XXXX format as the industry standard for furnishing consumer credit data. A company should not be reporting information that it can not properly validate and support with accurate underlying records. I have done my research on Debt Co Collections and, because of the companys failure to provide the required notice and proper validation, I have also filed complaints with the FTC and my Attorney General. This company has had more than enough time to provide competent documentation, yet it has continued allowing this account to damage my credit profile. I should not be forced to carry a collection account from a debt collector that failed to send initial notice and failed to validate the debt after repeated requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — Store credit 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: CLGF Holdco 1, LLC
State: CT

Complaint narrative:
I have contacted concora credit over XXXX times regarding a dispute regarding the quality of merchandise received from XXXX jewelery store. Each time the wrong dispute was put in or the wrong dispute reason. The creditor has failed to adhere to the credit card dispute guidelines. They deny the disputes continuously stating the stores return policy which is XXXX days. This creditor is in violation of the XXXX. The creditor also marked my account 30 days late on the date the payment was due and they have not removed the portion that I do not owe. I faxed over a dispute letter with photos showing that a bracelet I purchased which was supposed to be gold had rusted and the company sent back a denial citing the stores return policy is XXXX days. The bracelet turned after the XXXX day return window and the merchant would not accept the return. The same issues arouse when I disputed a pair of earrings. I have almost XXXX in disputed merchandise on my account that I will not be paying due to the companies handling of my disputes. Disputes were not put in timely. I had to have calls listened to to have the disputes put in because representatives never put them in. They were put in for the wrong merchandise or they were put in for incorrect reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : [ XX/XX/XXXX ] RE : Account Dispute - Request for Verification To Whom It May Concern, l am formally disputing the accuracy and completeness of the following account listed on my credit report : Creditor : [ LVNV Funding LLC ] Account Number : [ XXXX This account is being reported as a collection account ; however, I have not been provided with sufficient evidence to verify its accuracy. Under the Fair Credit Reporting Act ( FCRA 611 ), you are required to ensure that all information reported is complete and verifiable. Please provide the following : Original signed contract or agreement - Complete account history - Proof of assignment or ownership of the debt - Documentation validating the amount reported If you are unable to provide this documentation, the account must be deleted immediately. Additionally, please ensure compliance with XXXX XXXX reporting standards, including accurate reporting of dates, balances, and account status. Failure to properly verify this account will require its removal. Please complete your investigation and provide written confirmation. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation