vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was the victim of a fraudulent check scam.On XXXX XXXX A check was deposited into my account and the funds were later reflected in my available balance. Based on the banks representation that the funds were available, I reasonably believed the check had been cleared. Acting in good faith, I returned the money to the sender through a XXXX transfer as requested. I did not retain any of the funds and did not benefit from this transaction. I respectfully request that the bank review this matter considering that I relied on the available balance provided by the bank when making the payment.

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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Selective / inconsistent bureau reporting Failure to maintain maximum possible accuracy ( 1681e ( b ) ) Failure to conduct reasonable reinvestigation ( 1681i ) Incomplete furnisher identification Lack of documentary validation MASTER COMPLAINT ROUND 1 Re : CREDIT COLLECTION XXXX Account ending XXXX Original Creditor Listed : Progressive To Whom It May Concern, I am formally disputing the above referenced collection account currently appearing on my XXXX credit file. I do not recognize this account as being accurately reported and I dispute the completeness, accuracy, and validity of the information being furnished. BASIS OF DISPUTE 1. Inconsistent Reporting Across Credit Bureaus 15 U.S.C. 1681e ( b ) This account is currently being reported only bXXXX XXXX XXXX XXXX XXXX XXXX do not display the same tradeline. If this account were properly verified and reported with maximum possible accuracy, the information should be consistent across the national credit reporting agencies. Selective reporting raises serious concerns regarding the accuracy and verification of the data being furnished. 2. Incomplete Furnisher Identification The tradeline identifies the original creditor as XXXX, yet the creditor type is listed as Unknown. Additionally, the account is classified as a Collection Attorney account, but no documentation has been provided to establish : lawful assignment chain of title consumer contractual obligation Without this documentation, the reporting can not be considered verified. 3. Lack of Documentary Verification 15 U.S.C. 1681i ( a ) A lawful reinvestigation requires more than automated verification. Verification must include : original account documentation proof of consumer responsibility documentation supporting the reported balance confirmation of the date of first delinquency To date, no such documentation has been provided. 4. Misleading Derogatory Reporting The account is being reported as : Closed Negative Collection However, the reporting lacks supporting documentation and complete payment history, making the derogatory classification potentially misleading to future creditors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s-2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law. This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
I completed all required trial payments for a loan modification on my FHA-insured mortgage serviced by Regions Bank XXXX After my final trial payment, Regions now states that a verbal attestation confirming my hardship information was required within 15 days in order to convert the trial payment plan into a permanent modification under HUD guidelines. Regions claims they attempted to contact me by phone during that time period. However, no voicemail was left explaining that action was required or that there was a 15-day deadline to provide an attestation. Because no voicemail was left, I had no knowledge that an additional step was required to finalize the modification. Additionally, Regions regularly communicates with me through the Regions online customer portal regarding my mortgage and the modification process. No message or notification regarding the attestation requirement or deadline was ever posted in the portal, which is a communication method Regions has regularly used with me in the past. During the trial modification period, when I made my trial payments over the phone, Regions representatives also informed me that I would likely continue to receive collection calls and statements during the process and that I did not need to respond to those communications. Because of those instructions, I understood that routine calls from the mortgage servicer during this time were part of the collection process and did not require action from me. At no time was it communicated that the calls were related to a required attestation or that missing a call could result in denial of my completed modification. I successfully completed every trial payment as required and fully complied with the terms of the trial modification. The only missing item was the verbal attestation, which I am fully willing to provide immediately. Regions has now stated that underwriting denied the modification due to the missed attestation deadline and that I must restart the entire loss-mitigation process, which they indicate may take another 34 months. I believe it is unreasonable to deny a completed trial modification when the borrower was not clearly notified that additional action was required or that a deadline existed. Because no voicemail or portal notification was provided and I was instructed that collection calls could be ignored, I had no knowledge that I needed to complete an attestation. I am requesting that Regions Bank review this matter and reopen my completed trial modification so that I may provide the required attestation and allow the loan to convert to a permanent modification, rather than requiring me to restart the entire loss-mitigation process.

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: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Federal Cash Advance, LLC of Oklahoma
State: TX

Complaint narrative:
On XX/XX/XXXX my vehicle was wrongfully stolen/repo by a third party repo company XXXX XXXX XXXX prevention ). I had paid off my title loan on XX/XX/XXXX and on XX/XX/XXXX I went to XXXX and obtained my clear and free title and a paid in full receipt but now the repo company has stolen my vehicle from my residence without letting me know and XXXX will not give me a letter stating they didnt request for a repo only back in XXXX but I have been making payment since then and was put on a payment plan.

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 is not yours
Company: Affirm Holdings, Inc
State: TX

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 ) 1006.34, 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 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: ID

Complaint narrative:
I am the Successor Trustee for the XXXX XXXX XXXX XXXX XXXX. I went through the process of becoming Authorized Representative with the previous loan servicer without any issues. Months later the loan servicer was changed, and for some reason I had to go through the same process again. I first provided the required documentationincluding the Trust, Will, Death Certificate, and my IDto Selene Finance on XX/XX/XXXX, to be authorized as a Successor in Interest. I received a letter stating that they received the documents. Despite multiple email follow-ups on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and additional phone calls, Selene Finance has failed to authorize me and has said they do not have the documents. They continue to request 'Probate Documents ' and 'Estate Papers ' despite being informed multiple times that the property is held in a Trust and is not subject to probate. This delay is preventing the listing and sale of the property intended to pay the loan in full. Selene is failing to follow RESPA Regulation X requirements for promptly identifying and communicating with potential successors in interest. In spite of all of this, I have brought the mortgage current and continue to pay the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am formally disputing the above referenced collection account currently appearing on my consumer credit file. I do not recognize this account as being accurately reported and I dispute the completeness, accuracy, and validity of the information being furnished. BASIS OF DISPUTE 1. Inconsistent Reporting Across Credit Bureaus 15 U.S.C. 1681e ( b ) This account is reported inconsistently between consumer reporting agencies. Examples include : Different account classifications ( Installment vs Other ) Different loan type descriptors Different terms reported ( XXXX vs XXXX ) Different reporting structures between bureaus An account can not be considered verified if materially different information is being reported across credit reporting agencies. These inconsistencies demonstrate a failure to follow reasonable procedures to assure maximum possible accuracy. 2. Improper Account Classification The tradeline is being reported as : Installment account Collection attorney account Unknown loan type These classifications conflict with each other and fail to clearly identify the nature of the alleged obligation. Misclassification of an account type may mislead potential creditors reviewing the consumer file. 3. Incomplete Furnisher Identification The tradeline identifies the original creditor as XXXX XXXX XXXX. This is not a complete or standardized identification of the alleged creditor. Without proper identification and documentation, the reporting can not be considered fully verified. 4. Failure to Conduct Reasonable Reinvestigation 15 U.S.C. 1681i ( a ) A lawful reinvestigation requires more than automated confirmation. Verification must include : Original account documentation Proof of consumer responsibility Documentation supporting the balance and reporting history Confirmation of the date of first delinquency To date, no such documentation has been provided.

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 is not yours
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Validation of Debt Request - MIDLAND CREDIT MANAG XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) 1006.34, 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 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 — Problem accessing account
Company: Credit Karma, LLC
State: GA

Complaint narrative:
I am filing a formal complaint against Credit Karma regarding their handling of my account and lack of customer support. Ive never had an issue until now. I was able to log in to my account up until the EXACT day my tax refund became available in my account. Since then, I have been unable to access my account to activate the debit card and tax refund. XXXX didnt verify my identity BEFORE the funds were deposited, yet Now all of a sudden my identity cant be verified despite their 3rd party verification system telling me otherwise literally 50-60 times since XX/XX/XXXX! All so that I can activate my debit card. Ive used the chat, Ive called, Ive spoke with supervisors, Ive emailed with multiple case numbers ( XXXX, XXXX, XXXX ) being expedited with no avail. I just keep getting the same automated email response and their call center reading off of script like a broken record and then hung up on multiple occasions. Credit Karma has provided no explanation as to what the actual issue with verifying my identity is. My drivers license are valid and correctly corresponds to all info on my account and the liveliness check clearly shows Im well alive and breathing. Ive asked for an alternative way to verify my identity being as they arent doing it with their current practices only to be be told this is the only way and their is no way around it, but their very own website says there is secondary documents that can be used. Ive even had a friend going through the same thing be able to use alternative means while I was with them! Thousands of people have had their taxes deposited into their Credit Karma account only to be denied access with them claiming to have " security issues with no resolution. The inability to access my tax refund has caused extreme financial stress is negatively impacting my ability to fulfill my financial responsibilities and even survive at this point. XXXX has been toying with peoples livelihood and I demand that this be fixed immediately. I fully expect my account to be cleared by the end of the day. Again, this has been an ongoing issue since XX/XX/XXXX and its been a headache ever since. I am requesting assistance in obtaining a resolution to this issue so that I can access my money! Thank you.

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: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
I had been recieving calls non stop over a year now. Last year in XX/XX/year>, I reported identity theft to my local sheriff office of identity theft and faxed cashnetusa a copy of the sheriff report a few days later after I recieved the copy of the report. I had not heard back after I froze my social security number so I wouldn't get anymore calls. Earlier today, I recieved a voice mail stating it was urgent about something concerning me and I had to call them back today before XXXX XXXX to XXXX. I called that number and spoke with XXXX. She refused to give me her last name and when I asked what company does she work for, she claimed it was XXXX. I asked her what the company name was and she replied XXXX. She told me that I was going to be served to go to court and I had to bring the sheriff report and any other documents for my case and it was going to be up to the judge if I have to pay it back. I told XXXX that it was identity theft. That I reported the situation last year and froze my social security number because of it. She kept saying in a hostile voice and yelling at me and not being professional at her job. She asked me if I knew some guy named XXXX XXXX and I told her no. I don't know who that was. Apparently, it's the guy who stole my identity and got a small loan in my name. I asked her for his email again and she refused to give it to me. It was a XXXX. XXXX email I'm guessing. XXXX claimed that I have an active wells fargo account which is untrue. I don't have an account with them so when XXXX said I had one, to me sounds like she was phishing for information but I didn't give any. I did however get my credit froze through XXXX and XXXX for identity theft. Please help me find these people who stole from me or trying to steal from me and please put them away.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: OH

Complaint narrative:
I noticed a new collection account was reported on my credit report by the National Recovery Agency. Upon further investigation, I found it was from XXXX XXXX XXXX XXXX, and they are claiming I owe {$970.00}. I contacted the collection agency on XX/XX/XXXX to request verification of the account. I asked how the balance was calculated, and the person I spoke with stated the account opened in XX/XX/XXXX for my previous address and mentioned something about XX/XX/XXXX. I inquired whether this balance was from before or after XX/XX/XXXX, and they stated they did not have that information and told me to contact the original company to obtain it. I continued to request documentation to understand how this amount was calculated in order to verify whether I actually owe this debt. If the debt can be verified, I would have no issue paying it or setting up a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION
State: WA

Complaint narrative:
i had a auto loan an i got into an accident which totalled my vehicle in XXXX of 2021 the insurance i money i recieved was sent directly to regional acceptance clearly the entirety of the debt

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 is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

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 ) 1006.34, 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 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 is not yours
Company: Spring Oaks Capital, LLC
State: VA

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 ) 1006.34, 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 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

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: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

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 ) 1006.34, 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 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation