vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 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: TX

Complaint narrative:
RE : Debt Validation Request for Alleged Account Account Number ( if known ) : XXXX Original Creditor : XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing to formally request validation of the above-referenced debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I recently became aware of your claim that I owe a debt to Midland Credit Management , Inc., but I dispute the validity of this debt and request that you provide proper documentation.I have never had any account with them. Please provide the following : 1. The name and address of the original creditor ; 2. The original account number ; 3. A copy of the original signed contract or agreement, or documentation showing that I agreed to this debt ; 4. A full itemization of the alleged debt, including the original amount, any interest, fees, or charges added ; 5. Proof that you own or have been assigned the debt, including chain of title from the original creditor ; 6. Any judgment ( if applicable ) related to this account ; 7. The statute of limitations on this type of debt in Texas. Please treat this letter as notification that I dispute the validity of this debt and request its verification. Under the FDCPA, you must cease collection efforts until this information is provided. If you can not provide the requested documentation, I ask that you immediately remove this item from all records, including any credit reporting agencies to which it may have been reported. This is a good-faith attempt to resolve the matter and protect my rights. Please respond in writing. Thank you for your attention to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against LVNV Funding LLC and Resurgent Capital Services L.P. regarding unlawful debt collection practices, harassment, failure to validate an alleged debt, and inaccurate credit reporting. My information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Company Information : LVNV Funding LLC c/o Resurgent Capital Services L.P . XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Collection Amount : {$1400.00} Complaint Details : This company repeatedly calls me on a daily basis despite my verbal requests that they stop contacting me by telephone. They have also called my workplace and family residence, which is causing unnecessary stress and embarrassment. Additionally, they continue sending emails and making collection attempts, but they have failed to provide proper proof that they legally own this alleged debt. I specifically requested that all communication be sent to my mailing address, yet they continue to ignore my request. My phone number has been registered on the National Do Not Call Registry, yet the calls continue. I dispute this alleged debt in full and request immediate investigation. I demand that the company provide the following : 1. Proof that LVNV Funding LLC legally owns this debt, including complete chain of title/assignment. 2. Full payment history from the original creditor to present. 3. Original signed agreement or contract bearing my signature. 4. Name and address of the original creditor. 5. Itemized breakdown of the alleged balance, including fees and interest. 6. Copies of any documents they rely upon to report to credit bureaus. 7. Immediate correction or deletion of any inaccurate credit reporting. California and Federal Law Violations : Their conduct may violate : * Consumer Financial Protection Bureau rules under the Fair Debt Collection Practices Act ( FDCPA ), including harassment and failure to cease communication after request. * Fair Credit Reporting Act ( FCRA ) for inaccurate reporting. * California Rosenthal Fair Debt Collection Practices Act ( California Civil Code 1788 et seq. ). * California Consumer Credit Reporting Agencies Act. * Telephone Consumer Protection Act ( TCPA ) regarding repeated unwanted calls. Requested Resolution : 1. Immediate cease and desist from all phone calls to me, my workplace, and family. 2. Communicate only by U.S. Mail to my home address listed above. 3. Provide complete written validation of debt. 4. Correct or delete all inaccurate credit reporting. 5. If unable to fully validate ownership and amount, permanently remove the account from all credit bureaus. 6. Investigate their repeated unlawful contact practices. Please investigate this matter and require the company to comply with all federal and California consumer protection laws. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Back In XXXX of XXXX I had a duplicate hotel charge paid with two different credit cards. I contacted XXXX XXXX XXXX XXXX and informed them of this issue, I was advised to send proof of duplicate payment. I submitted proof via fax & delivery confirmation ( Both Proof s Attached ) Subsequently I received a letter from Target date XX/XX/XXXX stating my documents had been received a reviewed and a credit in the amount of {$290.00} was getting applied to my account that following week. It has now been four months now and I they have still not issued me a credit despite the fact that I have called then several times. I have spoken to several people, Today I spoke to a supervisor name XXXX. XXXX XXXX ID XXXX, he stated in order for my refund they will have to open a new dispute case & pretty much start all over again, and this process will take another two billing cycle which is another 60 days. I have waited for over four months, this is completely unacceptable & honestly I don't even think this will get handled even if I wait another 60 days until your office get me some help!!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am submitting this complaint regarding repeated account restrictions, excessive verification requirements, and refusal to provide a reasonable credit limit increase despite a consistent and documented payment history. Over the past several months, I have made numerous successful payments on my account, including but not limited to payments of {$1000.00} on XX/XX/XXXX, {$400.00} and {$100.00} on XX/XX/XXXX, {$1000.00} on XX/XX/XXXX, {$1600.00} and {$1000.00} on XX/XX/XXXX, {$200.00} on XX/XX/XXXX, and additional payments in prior months. These payments were made from my verified bank account and cleared successfully. Despite this, my account has been repeatedly frozen shortly after making legitimate payments. These restrictions occur without clear explanation and prevent me from using my card normally for everyday purchases and larger transactions. In addition, I have been required to submit sensitive financial documentation, including pay stubs and employment verification, despite being a customer for approximately five years with a strong history of on-time payments. A {$5000.00} payment attempt on XX/XX/XXXX was a one-time effort to prepay my account in order to facilitate a larger legitimate purchase of approximately {$10000.00}. The payment was canceled only after I was unable to complete the intended transaction due to my credit limit and account restrictions. This was not a pattern of behavior, and all other payments on my account have been successfully completed without issue. My credit limit remains at {$4400.00} despite significant usage and payment activity. Requests for a credit limit increase have been denied without meaningful explanation. As a result of these repeated restrictions, I am unable to use my account normally. I am effectively being penalized for making frequent and timely payments. I am concerned that the level of scrutiny and restriction applied to my account may not be consistent with how similarly situated customers are treated, raising concerns regarding fairness and equitable treatment. I am requesting a full review of my account, removal of unnecessary restrictions, a clear explanation of the criteria used to flag my account, and reconsideration for a credit limit increase based on my payment history. I have attached documentation of my payment activity to support this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AL

Complaint narrative:
I am XXXX XXXX, a verified Chime account holder and a victim of identity theft and bank fraud. I was out of town from XX/XX/year> through XX/XX/year>. During my absence, my home was burglarized and the following were stolen : my Chime debit card, government-issued photo ID, Social Security card , birth certificate, and all personal phones and devices. As a direct result, I had zero ability to access my account or detect fraud during this entire period. Upon returning home on XX/XX/year>, I discovered {$14000.00} in completely unauthorized transactions and transfers made on my Chime account without my knowledge or consent. I am formally demanding that Chime : ( 1 ) apply provisional credit of {$14000.00} to my account immediately within 10 business days as required under Regulation E, 12 CFR 1005.11, and that I have full access to use those funds during the investigation period ; ( 2 ) conduct a full fraud investigation ; ( 3 ) apply zero liability under 15 U.S.C. 1693g and 12 CFR 1005.6. Chime must not deny this claim based on the 60-day reporting window. I invoke equitable tolling I was physically prevented from reporting because every device I owned and all identity documents were stolen. The clock did not begin until XX/XX/year>, the first day I could possibly discover or report the fraud. Denying this claim on timeliness grounds would constitute an Unfair, Deceptive, or Abusive Act or Practice under 12 U.S.C. 5531. This incident has also been reported to the FTC Identity Theft portal and the FBI XXXX. I am requesting CFPB intervention to ensure Chime complies fully with federal law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I am writing to address an account being reported on my credit report for which I requested debt validation. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and requested proper verification of the alleged debt. However, I have not received sufficient documentation to confirm that this debt is mine, that the amount is accurate, or that the collector has the legal authority to collect. Despite the lack of proper validation, the account continues to be reported on my credit file, which is negatively impacting my credit. I am requesting a full investigation. Any information that can not be properly verified must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Well Fargo charged my checking account between XXXX and was charged incorrect overdraft fees. I am requesting to be part of the XXXX XXXX lawsuit due to the illegal activity they have done to me

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 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Block, Inc.
State: OR

Complaint narrative:
XXXX. * XX/XX/year> * State of Oregon issued check # XXXX for {$850.00} to XXXX XXXX XXXX. XXXX. * XXXX XX/XX/year> * Attempted mobile deposit via Cash App. XXXX rejected. XXXX. * XXXXXXXX XXXX * Contacted Cash App Support. Agent Colt instructed me to endorse check exactly as : " XXXX XXXX/ For CashApp Deposit Only ` and resubmit. XXXX. * XXXXXXXX XXXX * Followed instructions and resubmitted deposit with required endorsement. XXXX rejected again by Cash App. XXXX. * XXXX 2026 * Attempted to cash check in person at XXXX XXXX XXXX, XXXX, XXXX. Denied due to restrictive endorsement For CashApp Deposit Only. 45-mile round trip, no other services available. XXXX. * XXXX 2026 * Filed CFPB complaint # XXXX XXXXiting bad instructions causing financial hardship. Provided photos of check front/back. Documented lack of physical ID and 45-mile distance from town preventing alternative cashing. XXXX. * XX/XX/year> * Cash App Manager XXXX responded via email. Acknowledged complaint but closed case citing lack of new information. No resolution or payment offered. XXXX. * XX/XX/year> * Disputing company response. Check remains uncahsable due to Cash Apps endorsement instructions. Funds still inaccessible, causing ongoing hardship. * Current Status : * Unresolved. Requesting Cash App manually deposit {$850.00} or issue direct payment + hardship reimbursement. --

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am a federal student loan borrower serviced by Nelnet. I am submitting this complaint to document concerns regarding both ( 1 ) account handling during recent repayment plan changes and ( 2 ) a potential data security issue affecting my account. During the transition away from the Saving on a Valuable Education ( SAVE ) repayment plan, I experienced confusion and lack of clear, consistent communication regarding my repayment status and options. This included uncertainty around payment obligations, plan eligibility, and account status. The information provided was not sufficient for me to make informed financial decisions and created risk of financial harm. In addition, I have concerns regarding the security of my personal information. I have reason to believe that my account information may have been exposed or improperly handled during this period. While I have not yet received formal confirmation of a breach, the timing and nature of the issues raise concern about whether my personal dataincluding potentially sensitive identifying informationwas adequately protected. As a borrower, I rely on my loan servicer to provide accurate information and safeguard my personal data. Any failure in these areas creates significant risk, including identity theft, financial harm, and long-term credit impact. I am requesting the following : A written explanation of my account history during the recent repayment plan transition, including any changes to my repayment plan, payment status, and interest accrual. Confirmation as to whether my personal data has been involved in any data security incident, breach, or unauthorized access event. Details of any safeguards or remediation steps taken to protect affected borrowers. Correction of any inaccurate account information and assurance that my account has been properly updated. I am submitting this complaint to formally document these concerns and to ensure accountability, transparency, and proper handling of my account going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc.
State: AZ

Complaint narrative:
I am writing to address an account being reported on my credit report for which I requested debt validation. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and requested proper verification of the alleged debt. However, I have not received sufficient documentation to confirm that this debt is mine, that the amount is accurate, or that the collector has the legal authority to collect. Despite the lack of proper validation, the account continues to be reported on my credit file, which is negatively impacting my credit. I am requesting a full investigation. Any information that can not be properly verified must be removed.

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 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
RE : Formal Complaint - Failure to Validate Debt ( Jefferson Capital Systems LLC ) On XX/XX/year>, I issued a formal Debt Validation Request via Certified Mail to Jefferson Capital Systems LLC. This company is a third-party debt buyer that claims to have purchased an alleged debt from an original creditor. To date, Jefferson Capital Systems has failed to provide a competent evidentiary matter to verify this claim. Specifically, they have failed to provide : An Original Signed Contract bearing my signature. A legal Bill of Sale and Schedule A specifically identifying my account as part of a legal transfer of ownership. A complete transaction history and itemized breakdown of the alleged balance. It has been 56 days since my legal demand was received. Under Texas Finance Code 392.202, their failure to verify within 30 days is a clear violation. By continuing to report this unverified information to the credit bureaus, they are in willful violation of the FDCPA. I demand immediate and permanent deletion of account # XXXX and account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: FL

Complaint narrative:
I am filing a complaint regarding my federal student loans serviced by MOHELA. I became aware of a delinquency issue after receiving a notification from XXXX on XX/XX/XXXX indicating that my credit had been impacted. Prior to this alert, I was not aware that my loans were past due. After receiving this notification, I immediately attempted to access my MOHELA account in order to make a payment and bring the account current. However, I was unable to log in successfully, as my account repeatedly showed errors such as being locked or stating that my information could not be found. Because of this, I was unable to view my balance, billing statements, or make a payment through the online system. Additionally, I did not receive clear billing statements or delinquency notices mailed to my address during this period, which further limited my ability to become aware of or resolve the issue in a timely manner. Once I was finally able to regain access to my account, I immediately brought the account current. I am requesting a full review of my account servicing history, communication records, and login/access issues during this period. I believe there may have been a servicing failure related to account access and/or notification delivery that prevented me from taking timely action once the account became delinquent. I am also requesting consideration for correction or goodwill removal of the late payment reporting associated with this period, as I made every reasonable effort to resolve the issue immediately upon becoming aware of it.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-21 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: Block, Inc.
State: SD

Complaint narrative:
Complaint Regarding Unresolved Cash App Funds Access Issue Dear Consumer Financial Protection Bureau, I am filing a complaint regarding a persistent issue with Cash App that has left me unable to access funds for an unreasonable length of time. While traveling internationally, I attempted to withdraw funds from my Cash App. On the first attempt, I successfully withdrew {$20.00}. However, my second attempt to withdraw over {$200.00} failed. Upon returning to the U.S., I immediately contacted Cash App. On XX/XX/XXXX, they assured me resolution within XXXX business days. After 7 days and yet another call on XX/XX/XXXX, they extended the timeline to 30 days due to an internal error. After waiting those 30 days and calling again on XX/XX/XXXX, they gave no concrete resolution. And after I call on XX/XX/XXXX I was told that it may take up to three months with no firm resolution date. I believe this is unfair and unacceptable. I am being denied rightful access to my funds without clear cause or timely resolution. I kindly request the CFPB to investigate the matter and help ensure that Cash App addresses my case promptly. I expect my funds to be returned or made accessible without further delays. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation