vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
My loan was transferred to Mohela in XXXX after being with XXXX for many many years. I was making monthly payments all during the covid Deferment but it doesn't look like it was credited to my account at all. The balance never went down. I have not been able to communicate with anyone about the descripency.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I received a phone call from them and stated I did not know what they were talking about and I have no collections on my credit report. I advised them I wanted to dispute the information and requested proof which I never received. Approximately XXXX week later I received a notice on all three credit bureaus that LVNV FUNDING LLC had place themselves on my credit report. I reached out once more and told them they had XXXX hours to remove themselves from my credit reports. They took it as a Joke and the negative information is still there. They claim they put a dispute in a month ago but magically I had to put in another. They have another company that works for them and they kept sending emails and making harassing phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 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: CA

Complaint narrative:
Validation of Debt Request - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX, XXXX XXXX XXXX Trans Union had been breached and need to

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 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: IL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research SELFINC/LEAD is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/year>, I received an unexpected phone call from someone claiming to be a representative from my bank. The caller identified himself as " XXXX '' and informed me that unusual activity had been detected on my account. He stated that my account might be restricted unless I verified certain information immediately. The caller knew my full name and other personal details, which made me believe the call was legitimate. I followed his instructions, thinking I was protecting my account from unauthorized access. However, after the call ended, I discovered XXXX unauthorized withdrawals from my checking account : {$940.00} was withdrawn on XX/XX/year> {$940.00} was withdrawn again on XX/XX/year> The total amount of {$1800.00} was removed without my consent or authorization. I did not initiate these transactions, nor did I authorize anyone to withdraw funds from my account. I immediately contacted my bank, Chime, and submitted a formal statement about the fraudulent activities. I requested a full investigation into the matter and the return of the unauthorized funds. As of now, I have not received a refund for these transactions. I respectfully request that this issue be investigated thoroughly, and the full amount of {$1800.00} be refunded to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: FL

Complaint narrative:
This complaint is a follow-up to prior CFPB Complaint ID XXXX, regarding Wells Fargo Claim # XXXX XXXX This complaint is not simply about unauthorized transactions. It concerns Wells Fargos failure to conduct a reasonable investigation under the Electronic Fund Transfer Act ( Regulation E ) and inconsistent denial explanations. On XX/XX/year>, I reported two unauthorized electronic transfers totaling {$3100.00} to XXXX. I reported the transactions while they were still pending. Wells Fargo denied the claim on XX/XX/year>. When I called regarding the denial, I was informed the claim was denied due to email authorization. I requested documentation of that alleged authorization and was told it could not be provided for approximately 30 days. In the CFPB response, Wells Fargo instead stated the denial was based on the debit card being in my possession and the absence of additional fraudulent transactions. These explanations are inconsistent. Wells Fargo has not produced : -A copy of the alleged email authorization -IP address or device authentication records -Two-factor authentication confirmation -Proof that I personally initiated the transfers Physical possession of a debit card does not establish authorization of an electronic fund transfer, particularly one involving a crypto processor. Additionally, as a result of the denial, my account has become negative and I have fallen behind on payments, resulting in financial harm and risk of adverse credit reporting. I am requesting supervisory review of Wells Fargos investigation practices and denial decision under Regulation E, as well as reimbursement of the unauthorized funds.

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 2026-03-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
Recently received letter from Four Leaf credit union that their records show that my hazard insurance has expired. Letter was in my opinion threatening in content. Submitted existing policy to branch and was informed that they lost insurance during transition from XXXX credit union to Four Leaf. Mind you that I opened current home equity loan with Four Leaf in XXXX XXXX XXXX when said policy was submitted. Homeowners policy has been with XXXX XXXX XXXX XXXX continuously for many years

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 2026-03-18 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:
LVNVFUNDG Account # XXXX XXXX XXXX XXXX XXXX XXXX My best argument is that the tradeline appears internally inconsistent. A collection account with XXXX XXXX monthly payment and XXXX terms can be challenged when it is also reporting a live-style delinquency indicator such as Late 120 Days. The CFPB has stated that consumer reporting companies violate FCRA accuracy duties when they include facially false or logically inconsistent data in consumer reports, and furnishers must maintain policies and procedures to assure the accuracy and integrity of the data they send. The CFPB has also specifically cited inaccurate payment ratings, monthly payment amounts, and past due amounts as furnishing problems in supervision. Please delete this account from my XXXX Credit Report because my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I ask them statement and original contrat they said said they are not provide me and they will ant me dispute letter since they said they didnt sent me and still in credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this fax to formally dispute fraudulent and unauthorized hard inquiries that appear on my credit report. I did not apply for credit, loans, or services with the companies listed below, and I did not give permission for them to access my credit file. These inquiries are fraudulent inquiries and are the result of unauthorized or identity-theft activity. Disputed Fraudulent Inquiries : 1.Company Name : XXXX XXXX XXXX XXXX Date : [ XXXX. XXXX, XXXX ] 2.Company Name : XXXX XXXX ] Date : [ XXXX XXXX, XXXX ] XXXX. Company Name : [ XXXX XXXX ] Date : [ XXXX. XXXX, XXXX ] Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation and the immediate removal of these fraudulent inquiries from my credit report. For identity verification, I am attaching : Copy of my government-issued ID Copy of my Social Security card Copy of my credit report ( highlighted ) Please correct my credit file and provide written confirmation once these fraudulent inquiries have been removed. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date of Birth : XX/XX/XXXX Last XXXX of 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 2026-03-18 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: CL Holdings LLC
State: FL

Complaint narrative:
A closed account reported twice by two different debt collectors. Driving down my credit score for a bill that is twice the original bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
My account with Truist Financial ( XXXX XXXX XXXX ) in Washington XXXX DC XXXX ) has been blocked/restricted or by now, even closed.This happened following their crediting of a domestic wire in the amount of around $ XXXX ( on XXXX XXXX, XXXX ), as I am a marketing consultant for major marketing clients. This is the first time I used this dormant account for my small woman-owned business. ( Note : I had my identity stolen in XXXX, and I have been re-establishing my creditworthiness ever since ). I had this account with Truist established in XXXX, but never used it until this major deposit. After clearing and crediting the wire on XX/XX/XXXX, my local banker, XXXX XXXX, at the branch helped me write a wire in the amount of {$20000.00} ( XX/XX/XXXX ). However, XXXX XXXX kept restricting my online banking and access and doubting my character saying these funds may still be in question this is after providing detailed documentation of the funds by the Contracting Party + providing my linkedin profile, etc. I thoroughly documented All communication w/ XXXX XXXX XXXX as he seemed clearly prejudice + not interested in me doing business with Truist XXXX XXXX XXXX kept the block on my online App switching it on and off and the only working feature on the App was the XXXX ( hence the withdrawals to move funds to another bank ). Again, I have numerous emails to XXXX XXXX, that were Never responded to, even though he promised to do so. ( I am happy to provide the CFPB with all documentation ). I contacted his Superior, XXXX XXXX ( no response to my email ). On XXXX XXXX one month after the wire cleared- I received a phone call from XXXX XXXX XXXX claiming to be XXXX XXXX Superior XXXX She claimed that my funds were fraud. Shocked, I requested a detailed explanation in writing of such a criminal accusation.I then wrote her a follow-up email explaining my entire nightmare of a seemingly prejudice and unfriendly customer relationship by XXXX XXXX XXXX Also, I indicated my intention of moving the funds to banks that welcomed a woman. I asked her to arrange for the remainder of the funds in the account to be sent by certified check to me. I also wrote a Letter to the Office of Chief Legal Counsel ( certified ) on XX/XX/XXXX, at Truist Financial in XXXX NC, explaining my unfair and prejudice treatment by XXXX XXXX. I request for the immediate release of the remainder of the funds to me by Truist Financial. Note : I have yet to receive any correspondence from XXXX XXXX XXXX or from XXXX XXXX XXXX. Thank you for your assistance with this serious 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 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a credit card account with Chase, but I never received the physical credit card. Over a period of more than 6 weeks, I contacted the bank multiple times by phone and visited the branch in person. Each time I was told to wait, and no one was able to provide any clear information or solution. The card was never delivered, and I was unable to use the account at all. Despite this, no proper action was taken by the bank to resolve the issue. The branch staff, including the assistant branch manager, stated that they could not help and had no information about the status of the card. I was repeatedly told to wait without any results. This situation caused me a loss of time and unnecessary stress. Additionally, the hard credit inquiry related to this account negatively impacted my credit score, even though I never used the account or received the card. The bank failed to provide basic service and failed to resolve a simple issue over an extended period of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Larry H. Miller Group of Companies
State: TX

Complaint narrative:
I am submitting this complaint regarding multiple debt collection agencies that appear to be engaged in a pattern of unlawful debt collection activity and credit reporting violations, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I formally disputed the alleged debts listed above and requested validation pursuant to 15 U.S.C. 1692g of the FDCPA. Under federal law, once a consumer disputes a debt, a debt collector must cease collection activity until proper validation has been provided. Despite receiving my dispute, these companies have failed to provide legally sufficient documentation demonstrating that I have any contractual or legal obligation for the alleged debts. Specifically, the companies failed to provide : A copy of the original signed agreement creating the debt Documentation showing the complete chain of title for the alleged account A bill of sale or assignment demonstrating lawful ownership of the debt A complete accounting of the balance claimed Documentation establishing legal authority to collect the debt Instead of validating the debts, these companies appear to be continuing collection efforts and/or furnishing information to consumer reporting agencies without verifying its accuracy. This conduct may constitute willful noncompliance with federal law, including, but not limited to, violations of : Fair Debt Collection Practices Act : 15 U.S.C. 1692g Failure to validate a disputed debt 15 U.S.C. 1692e False or misleading representations regarding a debt 15 U.S.C. 1692f Unfair or unconscionable collection practices 15 U.S.C. 1692c Improper collection conduct following a written dispute Fair Credit Reporting Act : If these companies are furnishing information to consumer reporting agencies without proper verification, this may constitute violations of : 15 U.S.C. 1681s-2 Furnisher duty to provide accurate information 15 U.S.C. 1681e ( b ) Requirement to follow reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i Failure to properly investigate disputed information Additionally, furnishers of credit data are required to follow XXXX XXXX Credit Reporting Resource Guide standards when reporting accounts. Reporting inaccurate, incomplete, or unverified information may constitute regulatory violations and may expose the furnisher to civil liability. Based on the actions described above, it appears that these companies may be engaging in a pattern and practice of regulatory violations, including attempting to collect debts without proper documentation and furnishing potentially inaccurate information to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Klover Holdings, Inc.
State: FL

Complaint narrative:
I am filing this complaint against Klover ( XXXX ) for refusing to honor my lawful revocation of ACH and debit authorization. On XX/XX/year>, I lost my job and had no funds available. My Klover advance repayment was scheduled for the same day ( XX/XX/year> ). At approximately XXXX XXXX, I contacted Klover Support through their web chat and explicitly requested that my ACH authorization and debit card authorization be revoked immediately because I could not make the payment until I receive borrowed funds on XX/XX/year>. I provided my full name, email, and phone number. Klovers automated system transferred the request to a live agent. At XXXX XXXX, agent XXXX from the Klover XXXX XXXX XXXX responded and denied my revocation request, stating : Klover requires at least 3 business days before your payment is due in order for us to process your revoke request Due to our Terms and Conditions your revoke request has been denied. At XXXX XXXX the same day, I sent Klover a formal written revocation notice by email stating : Under the Electronic Fund Transfer Act ( 15 U.S. Code 1693e ) and the Consumer Financial Protection Bureau ( CFPB ) regulations, I, as the account holder, have the legal right to withdraw my authorization for electronic fund transfers at any time. You are hereby instructed to cease all future ACH debits from my account. Any attempt to process additional debits after the receipt of this notice will be considered unauthorized At XXXX XXXX and again at XXXX XXXX, XXXX replied on behalf of Klover, again denying the revocation and stating there is no workaround for the payment due and directing me to Section 8 of their Terms and Conditions. Klover made clear they intend to continue attempting collection, including multiple charges over a period of time until your payment is processed in full, even though I have zero funds in the account. I immediately replied that I had exercised my legal right to revoke authorization and would escalate the matter with my bank and file a complaint with the CFPB if any debits were attempted. Klovers repeated refusal to honor my revocation places my bank account at risk of unauthorized ACH withdrawals, potential overdraft fees ( even though they claim they try to avoid them ), and continued harassment during a period of financial hardship caused by job loss. This conduct violates my rights under the Electronic Fund Transfer Act and Regulation E.

Company response to consumer: Closed with explanation