vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
On XX/XX/XXXX, I received letters from Huntington National bank stating a checking and savings account were opened under my name on XX/XX/XXXX. The letter was instructing common first steps in setting up a new account. The letters only have the last XXXX digits of account ending. The checking account ending in XXXX and savings in XXXX both under my name. I did not open these accounts. On XX/XX/XXXX, I called the bank and was handed off back and forth with the fraud department and customer helpline. Because I would not provide my XXXX, they would not provide the full bank account numbers to hand off to the fraud department. They then stated they could neither confirm nor deny an account was opened or closed. They did state they would close the accounts however. They refused to confirm via letter and recommended we reach out to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV FUNDING LLC Original creditor : XXXX XXXX BANK XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: Velocity Portfolio Group
State: CA

Complaint narrative:
CKS Prime Investments , LLC [ CKS Prime Investments RE : Debt Validation Request Account Reference Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing this letter in response to your notice regarding the account referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally disputing the validity of this debt. This is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I am requesting that you provide the following information : Documentation showing that I have a legal obligation to pay you. A complete payment history on this account, including the amount of the original debt and any interest or fees added since. A copy of the last billing statement sent by the original creditor. Proof that you are licensed to collect debts in my state. A copy of the agreement that gave you the right to collect this alleged debt. If you fail to provide this documentation within 30 days, you must cease all collection activity and remove any associated listings from my credit reports. Please be advised that I am also requesting that you cease all telephone contact with me regarding this matter. You may communicate with me only in writing at the address listed above. Thank you for your immediate attention to this matter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am disputing a debt being reported and/or collected by ProCollect Inc. related to a former apartment lease. I vacated the unit on or around XX/XX/XXXX due to significant mold exposure that impacted the habitability of the apartment. Prior to moving out, I made efforts to address the issue, including cleaning the affected areas. I have photo documentation of the mold and the condition of the unit. Due to the unsafe living conditions, I was unable to continue residing in the unit. Despite this, I was later charged for damages and lease related fees in the amount of approximately XXXX which were subsequently sent to collections and are now being reported by ProCollect Inc. I dispute the validity and accuracy of this debt. The charges do not reflect my legal responsibility as a tenant given the presence of mold and the resulting habitability concerns. Additionally, I have not been provided with sufficient documentation to support the amount being claimed. On XX/XX/XXXX, I requested validation of this debt, including an itemized breakdown of charges, lease provisions supporting these charges and proof that the amount is accurate and enforceable. To date, I have not received adequate documentation. I am requesting that ProCollect Inc. conduct a full investigation, provide proper validation of the debt and correct or delete any inaccurate information being reported to the credit bureaus.

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 2026-04-23 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:
I have over {$1000.00} fraud on my Wells Fargo checking account which I did NOT authorize through my bank account at Wells Fargo. I had absolutely no knowledge of this, I canceled my card and immediately disputed the transactions with the claim department because as I woke up to my account being drained from another persons XXXX XXXX. I reached out to Wells Fargo but they denied my claim.

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 2026-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I am filing this complaint regarding Transworld Systems Inc. reporting a collection account on my credit report that has not been properly validated and is being reported inaccurately. I disputed this account and requested full validation, including documentation showing that the debt is valid, the original creditor, the amount owed, and supporting records confirming the accuracy of the balance being reported. I also requested verification of how this account was validated and reported to the credit bureaus. In response, the account continues to be reported without sufficient documentation being provided to support its accuracy. Additionally, this account is being reported inconsistently, including differences in account status and reporting details, which raises concerns about the accuracy and completeness of the information. There has been no adequate proof provided that Transworld Systems has the legal authority to collect this debt or that the balance being reported is correct. Despite multiple disputes, the account remains on my credit report without proper validation. This has negatively impacted my credit and my ability to move forward with important financial decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates is reporting a collection account on my XXXX XXXX XXXX credit reports with a balance of XXXX dollars. The tradeline contains improperly re-aged information in violation of the Fair Credit Reporting Act, 15 U.S.C. Section 1681c and Section 1681e ( b ). The tradeline lists Date Opened as XX/XX/XXXX. This is the date Portfolio Recovery purchased the debt, not the date the underlying account was actually opened. Portfolio Recovery 's own tradeline acknowledges the Original Creditor as XXXX XXXX The original XXXX account was opened on XX/XX/XXXX and went into delinquency in XXXX. By reporting their purchase date as the Date Opened, Portfolio Recovery makes the account appear newer than it actually is, which damages my credit score beyond what federal law allows and creates a misleading impression of the account 's true age. This is improper re-aging and a violation of FCRA accuracy requirements. Portfolio Recovery 's own tradeline acknowledges the estimated removal date is XX/XX/XXXX, confirming this is an old debt subject to the FCRA 's XXXX reporting limit. Despite this acknowledgment, they continue to report a re-aged Date Opened that misrepresents the true age of the account. I previously filed a dispute through the credit bureaus regarding this tradeline. The remarks on the current tradeline state Completed investigation of FCRA dispute, consumer disagreed, indicating Portfolio Recovery verified their inaccurate reporting rather than correcting the re-aged Date Opened field. Additionally, the original XXXX XXXX tradeline on my credit report shows the same underlying account with serious delinquencies in XXXX ( XXXX to 120 days late from XXXX through XX/XX/XXXX ) and was closed on XX/XX/XXXX during the delinquency period. The account can not be both Paid as agreed ( as XXXX reports ) and an unpaid collection ( as Portfolio Recovery reports ). XXXX or both of these reports is inaccurate. I demand that Portfolio Recovery either correct the inaccurate Date Opened field across all credit bureaus to reflect the original account opening date of XX/XX/XXXX, or cease reporting this tradeline entirely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I disputed a charge for a XXXX XXXX XXXX XXXX course scheduled for XXXX XXXX XXXX I paid for the course and received confirmation and a XXXX link to attend. However, when I attempted to join the class at the scheduled time, I received an error message stating that the meeting link was invalid ( invalid meeting link ( XXXX ) ). Because of this, I was unable to access or attend the course. I made a good faith attempt to attend at the scheduled time but could not join due to the invalid link provided by the merchant. I contacted the course coordinator, who responded and acknowledged the issue by asking whether I was able to get into the class, indicating there was a problem with access. I filed a dispute with my financial institution and was initially issued provisional credit. However, the bank later reversed the credit and ruled in favor of the merchant. I was not given an opportunity to submit my supporting documentation before this decision was made. I have evidence showing that I attempted to access the service, the error message I received, and communication from the merchant acknowledging the issue. I also requested that the dispute be reopened, but my request was not properly addressed before the case was closed. I believe the investigation was not conducted in accordance with Regulation E requirements, as relevant evidence was not reviewed before a final determination was made. I am requesting that the dispute be reopened and properly reviewed with all supporting documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Suncoast credit union has my money I requested rent while I had funds in account but couldnt access resuested fund that was in accounting halve of it call back no response when i requested a call back they keep taking my time an money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I disputed a charge for a pair of XXXX shoes I bought on XX/XX/XXXX for {$57.00} using Cash App. I purchased XXXX shoes for school with XXXX XXXX XXXX. I emailed the company on XX/XX/XXXX about never receiving a tracking number and never received an answer. After doing research the page is now deleted and I see others saying they were scammed by them so I went and disputed it on Cash App providing proof on XX/XX/XXXX. The dispute was denied for no reason. I went and disputed it again XX/XX/XXXX and still got denied. I reached out to customer service reps and they can never tell me why I can not get a refund if I made a purchase using their card and I never received my order. It makes no sense that I have proof and theyre denying my claim, Ive never had an issue like this and Im lost for words. I made a purchase and never received it so they need to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
original loan agreement was signed XX/XX/XXXX, stating a monthly payment of {$310.00} for XXXX months beginning XX/XX/XXXX. At the time of loan orientation, the loan documents included an " Agreed Rate Reduction Rider ''. Which provided for a one-time reduction of the interest rate from XXXX XXXX XXXX XXXX %, contingent upon meeting specific eligibility requirements and good payment history. Some time around the end of XXXX I received this automatic intrest rate reduction and my monthly auto draft payments were changed from XXXX $ to {$300.00}. At no time was was I ever informed that this reduction of {$11.00} per month would result in a lump sum payment of {$9500.00} at the end of XXXX months. My original loan obtained through XXXX XXXX ( DE ), now XXXX XXXX XXXX XXXX XXXX, has had multiple servicers. The current servicer being Fay Servicing LLC who sent me the XXXX day notice demanding the XXXX or jeopardize forclosure proceedings. With each attempt to resolve the situation, I'm told that I must contact a different party to resolve this dispute. With each attempt, the clock is ticking and I'm at risk of losing my home after nearly XXXX years of on time payments!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: TX

Complaint narrative:
I am disputing an account being reported and collected by Jefferson Capital Systems LLC. I do not recognize this debt and have requested validation of the account, including the original creditor, signed agreement, full account history, and proof of their legal authority to collect. The company has failed to provide proper validation. Despite my dispute, the company continues to report this account to the credit bureaus and has placed it for collection. This is inaccurate and unverified information. Additionally, the account appears to be re-reported or re-aged, causing ongoing harm to my credit. I have made good faith efforts to resolve this directly with the company, including disputes and requests for information, but they have not provided sufficient documentation to substantiate the debt. Their actions are causing ongoing damage to my credit profile and financial standing. I am requesting that this matter be investigated and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transworld Systems Inc. Re : Request for Debt Validation Account Balance {$4300.00} Dear Sir or Madam, I am writing in response to your attempt to collect a debt in the amount of {$4300.00}. I do not acknowledge this debt and request full validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following : The name and address of the original creditor. The full account number associated with the alleged debt. An itemized breakdown of the total amount, including any interest, fees, or charges. Copies of any agreements or contracts bearing my signature that show I agreed to this debt. Documentation proving that your company has the legal right to collect this debt. Proof that the debt is within the statute of limitations. Until you provide proper validation of this debt, I request that you cease all collection efforts and communication with me regarding this matter. Additionally, if this account is being reported to any credit reporting agencies, please mark it as disputed immediately. If you are unable to validate the debt, I request that it be removed from my credit report. This letter is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Please respond in writing. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I wired {$230000.00} from my XXXX account to XXXX XXXX XXXX because we were doing a XXXX transaction for a deposit I wanted to make to my XXXX XXXX platform, but Wells Fargo which is the recipients bank froze his account and they been holding the funds since XX/XX/year>, because of this my Onchain account doesnt let me do withdrawals because I needed to make this deposit but this transaction is not settled. On XX/XX/year> I requested a recall, but my bank hasnt received an answer

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 2026-04-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I am filing this complaint regarding a failure by Marcus by Goldman Sachs to honor a cash bonus that was explicitly confirmed by their representative and relied upon by me when transferring funds. On XX/XX/2026, I contacted Marcus by Goldman Sachs to inquire about opening an account associated with a promotional cash bonus. During that call, the representative confirmed that I was eligible for a {$1500.00} bonus upon transferring {$100000.00} into the account. Based on that representation, I proceeded to open the account over the phone, and then transferred {$100000.00} during the funding time. After completing the transfer, I called again to confirm that everything was in order. During this follow-up, I was informed that there was no record of the promotional offer associated with my account. The matter was escalated internally, and I was later informed that management reviewed the recorded call and acknowledged that their representative had made an error in confirming the bonus. Despite admitting the error and confirming that I was told I qualified for the promotion, Marcus by Goldman Sachs has refused to honor the {$1500.00} bonus. I relied on the banks explicit representation when making a significant financial decision to transfer {$100000.00}. Had I not been told I qualified for the promotion, I would not have moved these funds. This situation reflects a failure to provide accurate information and to take responsibility for representations made by their agents, which resulted in financial action on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: IL

Complaint narrative:
MIDLAND CREDIT MANAG is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAG 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 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WI

Complaint narrative:
I am filing this complaint regarding the handling of my dispute by Chime involving unauthorized electronic fund transfers associated with XXXX XXXX XXXX. Dispute Reference : # XXXX Date Dispute Initiated : XX/XX/XXXX Transactions in Dispute : XX/XX/XXXX {$550.00} ( Denied ) XX/XX/XXXX {$570.00} ( Approved but not properly resolved ) XX/XX/XXXX {$550.00} ( Still unresolved ) These transactions total over {$1600.00} and remain either unresolved or inconsistently handled. Under the Electronic Fund Transfer Act ( Regulation E ), financial institutions are required to complete an investigation within XXXX business days or provide provisional credit while continuing the investigation, not to exceed XXXX days. This dispute has been pending for XXXX XXXX, far exceeding all allowable federal timeframes. I have not received proper resolution or timely provisional credit for all disputed transactions. Issues include : Excessive delay beyond Regulation XXXX limits Inconsistent handling of transactions within the same dispute Failure to provide timely provisional credit Ongoing in progress status with no clear resolution timeline I am requesting immediate resolution of all outstanding disputed transactions and release of all funds owed to me. This delay has caused financial hardship and is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I am submitting this complaint regarding late payments reported on my credit account from approximately XXXX XXXX XXXX years ago. During that time, I experienced a temporary financial hardship which resulted in missed payments. Since then, I have taken full responsibility, paid off the account, and have worked to maintain a positive payment history. I have contacted the creditor directly to request a goodwill adjustment to remove these late payments, but have not received a resolution. Given that the account has been paid and several years have passed, I am requesting that the late payment history be reviewed and considered for removal as it no longer reflects my current financial responsibility. These negative marks are significantly impacting my ability to qualify for a home loan, despite my improved financial standing. I am requesting a fair review and resolution of this matter.

Company response to consumer: Closed with explanation