vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing this complaint because I am completely exhausted from dealing with LVNV Funding and the damage these accounts have caused me. LVNV Funding is currently reporting three separate collection accounts on my credit report that I do not believe have been properly verified or validated. These accounts are inaccurate, incomplete, and continue to report despite my repeated efforts to dispute them and request proof that they truly belong to me. I have asked for proper documentation and validation multiple times, and instead of receiving actual evidence, the accounts simply continue reporting month after month. At this point, I feel ignored and taken advantage of. This situation has seriously affected my life and my future. My credit has been damaged so badly that I have not been able to move forward with opening my business, obtain financing, or improve my financial situation for myself and my family. I have spent countless hours and time and days; trying to resolve this directly and through the credit bureaus, but nothing is being properly investigated. I have taken the time to educate myself on my rights under the FCRA and the FDCPA, and I truly believe my rights are being violated by the continued reporting of accounts that have not been properly verified or validated. If LVNV Funding can not provide complete and accurate proof that these accounts belong to me, then they should not be allowed to continue reporting them on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I am filing a complaint regarding Capital Ones handling of my debit card fraud claim and what I believe may be an unreasonable and inadequate investigation under Regulation E/ the Electronic Fund Transfer Act. In XX/XX/2026, unauthorized charges totaling {$670.00} were made using my debit card information. Upon discovering the fraud, I immediately locked my card and reported the unauthorized transactions to Capital One. Capital One initially issued provisional credit around XX/XX/2026, while the investigation was pending. On or around XX/XX/2026, Capital One revoked the provisional credit, closed the case, and informed me that I should contact the merchant directly regarding the disputed charges. I contacted the merchant, who informed me that car parts had been purchased and that they could not issue a refund unless the parts were returned. I explained that I did not authorize the transaction, did not purchase or receive the parts, and that this was a fraud matter. The merchant advised me to reopen the claim with my bank and expressed concern regarding how the matter had been handled. Capital One then allowed me to reopen the fraud investigation. On XX/XX/2026, I submitted a detailed written statement explaining the fraudulent nature of the transaction and reaffirming that I never authorized the purchase. Since reopening the case, I have repeatedly contacted Capital One for updates, including calls during the weeks of XX/XX/XXXX and XX/XX/XXXX, but I have received no meaningful updates or resolution. I have also filed a police report regarding the fraudulent transaction and submitted the police report documentation to Capital One as additional evidence supporting my claim. My concerns are the following : Capital One reversed the provisional credit despite the continued dispute and apparent lack of conclusive evidence that I authorized the transaction. I have not been provided with a clear written explanation of the evidence relied upon to deny the claim or revoke the provisional credit. I am concerned that Capital One XXXX not have conducted a reasonable investigation into the unauthorized transaction before denying the claim. The matter has now remained unresolved for over XXXX months despite my prompt reporting, cooperation, submission of documentation, and continued follow-up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX, {$980.00} was taken from my account from an ATM 30 minutes from my home.I was home asleep.I attempted to file a police report but was told I needed to go through my bank and that they would request footage from the ATM. I spoke with my bank ( Chime ) as well as XXXX XXXX who the ATM was owned by and filed a complaint. It was denied by Chime even though I was home asleep with the card in my possession at the time. XXXX XXXX will not provide the footage to me personally and said Chime has to request it from them. The investigations team at Chime did not request the footage and will not and I can not reach them in any way. {$980.00} is missing and I have no way of requesting footage myself to prove it wasn't me and Chime refuses to reopen my complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC
State: NV

Complaint narrative:
I am submitting this complaint regarding OPP Loans ' ( Opportunity Financial , LLC ) inaccurate furnishing of information to credit reporting agencies, in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2, and the Fair Debt Collection Practices Act, 15 U.S.C. 1692f. My XXXX credit report dated XX/XX/XXXX shows the following from OPP Loans : Account opened XX/XX/XXXX, charged off in XX/XX/XXXX, original balance {$2000.00}, current reported balance {$2800.00}, reported as " past due {$2800.00} as of XX/XX/XXXX. '' The reporting contains multiple accuracy problems that I dispute under 1681s-2 ( a ) and ( b ) : ( 1 ) Charge-off timeline. The account is reported as opened XX/XX/XXXX and charged off in XX/XX/XXXX approximately 90 days from origination. Federal regulatory guidance under the FFIEC Uniform Retail Credit Classification and Account Management Policy provides for charge-off of closed-end loans at 120 days past due. A 90-day charge-off from origination implies the account never received a single payment, which I dispute. I request the complete payment history showing every payment, fee assessment, and interest charge from origination forward. ( 2 ) Balance discrepancy. The original balance is {$2000.00} but the current reported balance is {$2800.00} an increase of {$810.00} ( 40.5 % ) with no itemization on my credit report. Under 15 U.S.C. 1692f ( 1 ), only amounts " expressly authorized by the agreement creating the debt or permitted by law '' may be collected. I request a full itemization of the {$810.00} increase, with citation to specific contract provisions authorizing each fee or interest charge. ( 3 ) Past due reporting on charged-off account. The account is reported with a past due amount of {$2800.00} " as of XX/XX/XXXX, '' despite having been charged off in XX/XX/XXXX. Continuing to accrue or report " past due '' amounts on a charged-off account is inconsistent with XXXX XXXX reporting standards and creates inaccurate information in violation of 1681e ( b ) and 1681s-2 ( a ) ( 1 ) ( A ). ( 4 ) Original date of first delinquency. Under 15 U.S.C. 1681c ( a ) ( 4 ), the seven-year reporting period runs from the original date of first delinquency, not from the charge-off date. I request OPP Loans verify the XXXX as it is reporting to the credit bureaus. Desired resolution : OPP Loans must either ( a ) produce complete documentation substantiating the account history, the charge-off timing, the balance calculation, and the original date of first delinquency ; or ( b ) correct the inaccurate elements; or ( c ) delete the tradeline from XXXX, XXXX, and XXXX. Continuing to report unverified or inaccurate information after this complaint may constitute a willful FCRA violation under 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
As a result of a recent data breach, my personal identifying information was compromised and used without my authorization. Consequently, unauthorized accounts, unfamiliar credit inquiries, and incorrect late payment records have appeared on my credit reportnone of which I opened, approved, or recognize. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am formally requesting a full reinvestigation of these accounts and inquiries. I ask that any information found to be inaccurate, unverifiable, or fraudulent be permanently deleted from my credit file. Enclosed is supporting documentation, including an Identity Theft Report, to aid in your investigation.

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 2026-05-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: AL

Complaint narrative:
I contacted this company called iq data once I notice and account for {$130.00} on my credit and in collections they informed me it was for an apartment in XXXX Alabama named XXXX XXXX. I informed them that I would never apply for an apartment because I own my house!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
THESE COLLECTION ACCOUNTS ARE NOT MINE AND WERE NOT AUTHORIZED BY ME. I DO NOT RECOGNIZE THESE ACCOUNTS AND HAVE NO RESPONSIBILITY FOR THEM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I am filing this complaint against Midland Credit Management for failure to conduct a reasonable reinvestigation after receiving written disputes regarding three collection accounts, in violation of FCRA Section 623 ( b ) and FDCPA Section 809 ( b ). ACCOUNTS AT ISSUE : 1. Account # XXXX Original Creditor : XXXX XXXX Balance : {$3200.00} Date Opened : XX/XX/XXXX XXXX. Account # XXXX Original Creditor : XXXX XXXX XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX XXXX. Account # XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$480.00} Date Opened : XX/XX/XXXX VIOLATION 1 FAILURE TO REINVESTIGATE : All three accounts currently display comments on my credit reports such as " Account Information Disputed By Consumer '' or " Consumer Disputes This Account Information '' yet remain unchanged after I sent certified mail dispute and validation demand letters to Midland Credit Management. Under FCRA Section 623 ( b ), a furnisher must complete a reasonable reinvestigation within 30 days after receiving notice of a dispute from a credit reporting agency. The fact that all three accounts remain unchanged with no correction or deletion indicates a failure to conduct any meaningful reinvestigation. VIOLATION 2 ADDRESS INCONSISTENCY / XXXX XXXX COMPLIANCE : Midland Credit Management is reporting two different mailing addresses across bureaus for the same company : - XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furnishers are required under XXXX XXXX reporting standards to report consistent, verifiable identifying information. Reporting conflicting addresses for the same furnisher across bureaus undermines the integrity of the dispute process and raises questions about the accuracy of all data furnished by this company. VIOLATION XXXX FAILURE TO PROVIDE VALIDATION : I sent FDCPA Section 809 ( b ) validation demand letters requesting : ( a ) original signed credit agreement from each original creditor, ( b ) complete payment history, ( c ) proof of chain of title/assignment, and ( d ) proof Midland has legal standing to collect each debt. No complete validation was provided for any of the three accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
National credit XXXX placed a debt on my credit for {$4700.00}. I contacted this company over weeks asking for validation of this debt and the signature page where I signed a contract where they are trying to collect on the debt they said that I'm owing. National credit adjust did not respond to my request but yet this debt is placed on my credit for up to 7 years. National credit adjust will place a debt on your credit with no validation and no response stating that you owe this debt. How can I owe something when they don't have no signature and no proof of purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for inaccurate credit reporting, failure to provide proper validation, and furnishing unverifiable information to consumer reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). XXXX XXXX XXXX is reporting a collection account on my XXXX credit report as a Debt Buyer Account with Narrative Code XXXX ( Collection Account ). I formally disputed this account and requested a complete Method of Verification ( MOV ), chain of assignment/ownership, original account documentation, and competent evidence establishing XXXX XXXX XXXX XXXX XXXX XXXX and report this alleged debt. Despite these requests, XXXX XXXX XXXX failed to provide : Original signed agreement or contract bearing the consumers signature Complete chain of title/assignment from the original creditor to XXXX XXXX XXXX Account-level billing/payment records Documentation supporting the Date of First Delinquency being reported Evidence of a lawful and reasonable investigation beyond automated verification systems Documentation proving the reported balance and delinquency timeline are accurate Instead, Portfolio Recovery Associates merely continued furnishing the XXXX XXXX information to XXXX without competent verification. The reporting itself raises concerns regarding accuracy and compliance. The account is reported as opened on XX/XX/year> while simultaneously reporting a Date of First Delinquency of XX/XX/year>. As a debt buyer, XXXX XXXX XXXX must maintain and furnish complete and accurate original delinquency information. I dispute the accuracy and verifiability of the delinquency chronology and reporting data. XXXX dispute results also demonstrate that the furnisher simply reaffirmed the reporting without providing actual supporting documentation. This suggests the account was verified through automated systems such as e-Oscar rather than through a true reasonable investigation as required under the FCRA.

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 2026-05-22 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: Paypal Holdings, Inc
State: LA

Complaint narrative:
Firstly my XXXX account has only been open for two weeks an do has been frozen over 15 times! I have sent over my drivers license bank statements and social security fax and yet they keep asking me to verify myself continuously. That isnt even the worst part they removed the freeze on my account and notified me of it via email and told me I was good to go and could withdraw the {$800.00} that they have been holding for weeks now. I took their word for it and attempted to withdraw my money and not even 1 minute after they froze my account once again!!! Why did the account specialist advise me I was good to make my withdrawal if they were going to freeze my account instantly? This has been going on every time I try to withdraw MY HARD EARNED MONEY from this nightmare of an app. Im an elderly woman on a fixed income the stress from this whole ordeal is taking a toll on my physical and mental health.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to request that Wells Fargo revisit my fraud report that was recently denied. On XX/XX/year> there was unauthorized activity on my Wells Fargo account resulting from my phone being stolen early that morning while I was on vacation in XXXX XXXX. At the time the phone was stolen, it was unlocked. Shortly after the theft, the individual who stole my phone gained unauthorized access to my Wells Fargo account and conducted fraudulent transactions without my knowledge or permission. The unauthorized transactions include : A {$1000.00} XXXX transfer sent to an individual named XXXX XXXX, whom I do not know and have never authorized to receive funds from my account. A {$1900.00} cash withdrawal made without my authorization. ( It was transferred from my savings account to checking account and then was withdrawn ) A {$800.00} debit charge, which was also reported but I was reimbursed for via Wells Fargo. After I discovered the fraudulent charges, I immediately contacted Wells Fargo to report the unauthorized activity. At that time, all of my accounts and online banking access were shut down for security purposes, and I was issued brand new checking and savings accounts. I am also attaching an email I received from Wells Fargo indicating that these transactions were initially flagged as suspicious activity and temporarily placed on hold, but that the holds were later removed and the transactions were ultimately processed. I have attached screenshots of the XXXX receipt showing the transfer to XXXX XXXX, as well as a copy of the police report documenting the theft of my phone and the resulting fraud. I am also attaching my stolen phone insurance claim documentation as additional supporting evidence. I respectfully request that Wells Fargo re-investigate these unauthorized transactions and reimburse the stolen funds pursuant to their fraud protection policies and applicable banking regulations. Please let me know if any additional information or documentation is required from me to assist with your investigation. Thank you for your prompt attention to this matter.

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 2026-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc.
State: OH

Complaint narrative:
This is a formal complaint against Lockhart , Morris & Montgomery , Inc. for attempting to collect an invalid commercial business debt against an individual consumer 's personal credit file and failing to conduct a reasonable investigation under the FCRA. IDENTITY AND LIABILITY DISPUTE The collection agency, Lockhart , Morris & Montgomery , Inc., is actively reporting a commercial corporate debt onto my personal consumer credit report. The primary debtor for this lease-purchase obligation is a business LLC with its own corporate EIN. No personal guarantee was ever signed for this business lease. Under the Fair Credit Reporting Act ( FCRA ), reporting an un-guaranteed corporate debt on an individual 's personal consumer file constitutes willful credit defamation. INVALIDITY OF DEBT DUE TO MATERIAL BREACH The underlying debt is completely invalid and offset by over {$22000.00} in heavy mechanical repairs necessitated by the original creditor 's ( XXXX XXXX ) severe safety violations : XX/XX/XXXX MAJOR REPAIR ( {$6300.00} ) : I was forced to pay out-of-pocket for a massive chassis and steering rebuild ( Invoice # XXXX ) due to a pre-existing defective suspension system that destroyed three sets of steer tires in three months. XX/XX/XXXX SAFETY BREACH ( {$3700.00} ) : The vehicle suffered a catastrophic XXXX failure that was explicitly documented by a repair shop as " disengaging on its own '' while in operationa life-threatening safety violation. DAY 1 BREACH ( XX/XX/XXXX ) : The vehicle was delivered with Out-of-Service DOT violations, requiring a {$520.00} emergency repair less than 24 hours after pickup. REFUSAL TO INVESTIGATE EVIDENCE I sent Lockhart , Morris & Montgomery , Inc. a comprehensive dispute package containing all physical repair invoices and photos of the defects. The agency responded with a formal letter refusing to investigate the new evidence, claiming it alleged no new facts. I demand an immediate and permanent deletion of this invalid account from all personal credit bureaus ( XXXX XXXX XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am beyond frustrated at this point with XXXX XXXX XXXX. This collection account does not belong to me, and I honestly do not understand why I keep having to fight to prove something that is not mine. For almost a year now, I have been disputing this account with the credit bureaus and requesting proper verification from your company, yet nobody has provided me with anything that actually proves this debt belongs to me. I have requested documentation multiple times, including a wet signature and any original signed agreement tying me to this alleged account, and I have received absolutely nothing. I have sent around seven letters already trying to resolve this matter, and I am exhausted from going in circles with no answers and no validation. I am retired already, and this situation is seriously affecting my life. This inaccurate account is hurting my credit and preventing me from being able to purchase a home for my children. It is unfair that I continue to suffer because of a debt that is not mine and that nobody can properly verify.

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