vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
CFPB Complaint LVNV Funding LLC Company Name : LVNV Funding LLC LVNV Funding LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX XXXX Issue : Inaccurate Reporting / Failure to Validate/ Improper Verification I am filing this complaint regarding LVNV Funding LLCs reporting of an account on my credit report that I have disputed as inaccurate. 



LVNV Funding LLC is reporting a collection account. I disputed this account with the credit bureaus, including XXXX  ( and others if applicable ), and the account was marked as verified as accurate. 



However, LVNV has not provided me with : A copy of the original signed agreement Documentation proving LVNV owns the account A complete chain of assignment from the original creditor An itemized accounting of the balance Proof that the amount reported is accurate The date of first delinquency Simply marking an account as verified does not constitute a reasonable investigation under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 



As a debt buyer, LVNV must be able to demonstrate : That it legally owns this account That the amount reported is accurate That it has documentation sufficient to support reporting If LVNV can not provide documentation substantiating the balance and ownership, then continued reporting may constitute inaccurate reporting under the FCRA and potentially violations of the Fair Debt Collection Practices Act. 



I am requesting : Proof of ownership and assignment Full accounting of the balance Validation documentation Correction or deletion of this tradeline if documentation can not be provided I reserve all rights under federal and state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GB Collects, LLC
State: VA

Complaint narrative:
XXXX billed me for the full cost of coverage for part of XX/XX/year> when, due to low income, I was disqualified from my old plan. I then switched to and was covered by XXXX. From my understanding, this bill is a result of bureaucratic red tape between XXXX, XXXX, and the PA XXXX agency and it is confusing who is ultimately responsible for it. XXXX sent it to collections, and I received a letter from GB Collects on XX/XX/year> asking for payment. I sent them a certified letter XX/XX/year> asking for them to validate the debt and to cease collections and credit reporting until they had, and received proof that they received that letter XX/XX/XXXX from my tracking number. I never received any of the information I requested, or any communication at all, until I received another letter XX/XX/year> asking me to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Wolf River Development Company
State: TX

Complaint narrative:
I did not take this loan out in 2025. Took no loans in 2025. The amount is XXXX XXXX Went to a debt collection agency and says I owe this amount through Painted Horse Loans. Not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
This complaint is also my official request for debt validation to Debt Recovery Solutions. My attached letter clearly specifies the documents that must be provided under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a detailed accounting of the balance. 
By using the CFPB complaint system, I am making sure my request is documented, forwarded, and acted upon properly. Consumers have the right to full transparency, and I expect Debt Recovery Solutions to provide complete validation. 
To further protect my rights under the FCRA, I am also requesting information to verify the accuracy and completeness of the account they reported to the Credit Bureaus : the Date of First Delinquency, the date the account was charged off ; and the date the account was acquired by or assigned to Debt Recovery Solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/year>, I received a call from Navy Federal regarding suspicious activity on my checking account. During that call, I identified XXXX unauthorized debit card transactions totaling {$2500.00}, including a {$650.00} charge to XXXX XXXX XXXX and additional transactions at local merchants I have never used. 

I retained physical possession of my debit card at all times and did not authorize these transactions.

Navy Federal issued provisional credit and later denied my claim. I submitted additional evidence in support of my appeal, including my XXXX XXXX XXXX account statement demonstrating that the {$650.00} charge does not correspond to any charge on my XXXX XXXX XXXX  account. Despite this submission, my appeal was closed on XX/XX/year>. I did not receive written notice that my appeal had been closed. 

On XX/XX/year>, I formally requested a copy of all documentation and evidence relied upon in denying my claim, as well as confirmation of when and how notice of the appeal closure was sent. Navy Federal responded stating : The documents we relied on in denying your claim, if any, are attached for your reference. Navy Federal does not provide proprietary information reflecting its fraud detection methodologies. No documents were attached, and no factual basis for the denial was provided.

To date, Navy Federal has not provided documentation identifying the method of authorization for the disputed transactions ( e.g., card-present, digital wallet, or card-not-present ) or the evidence relied upon in determining the transactions were authorized.

I am requesting that Navy Federal provide document
ation of the factual basis for its determination and confirm that a reasonable investigation was conducted in accordance with Regulation E.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/year> I transfer the XXXX Dollars and went back into the account on XX/XX/year> that when I seen my XXXX was gone because I had transfer it from one account to another account I call the bank fraud line they said I have to go the branch on that Monday it was on the XX/XX/year> I went that morning at the bank they did not really help me try to help me they went into my account and they claim they did not see it but I can see were my XXXX was gone out of my account.

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 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding a duplicate ACH withdrawal that posted to my Fifth Third Bank account on XX/XX/year>, in the amount of {$580.00} from XXXX XXXX ( autopay rent ). 

This payment was drafted twice in error. As a direct result of this duplicate transaction, my account became negative and my recent paycheck was fully absorbed. I currently have no access to funds for basic necessities. 

I reported this error promptly and was informed that an investigation is pending. However, despite explaining the financial hardship this has caused, I have been told that no provisional credit or temporary assistance can be provided at this time. 

Under Regulation E, financial institutions are required to investigate electronic fund transfer errors and provide provisional credit within the appropriate timeframe if the investigation can not be completed promptly. Given that this duplicate ACH error has directly caused my account to remain negative and left me without access to my own deposited wages, I am requesting the following : 1. Immediate provisional credit for the duplicate {$580.00} ACH transaction while the investigation is ongoing. 
2. Reversal of any overdraft or related fees caused by this error.

3. Written confirmation of the status of my dispute and expected resolution date.

This situation has created significant financial hardship, and I am requesting urgent review by a supervisor or executive resolution team. 

I have banked with Fifth Third in good faith and expect fair treatment in accordance with consumer protection regulations. 

Please respond promptly with a resolution or clear timeline for corrective action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I have been a loval PNC Bank customer for 6 years, during which I have maintained a 100 % on-time payment history and a credit score of XXXX. Recently, I experienced a temporary delay in funds due to a late tax refund. I did not hide from this. I acted in good faith and proactively contacted PNC customer service four separate times before the XXXX delinquency mark to explain the situation. During each of these four calls, I was transparent about the delav and asked for assistance or a notation on my account to prevent damage to my credit while I waited for my refund to arrive. Despite my four proactive attempts to communicate, PNC failed to offer me any XXXX XXXX ' options or guidance. Instead, they waited for the 30-day window to pass and immediately reported me as delinquent. This single event, after 72 months of perfect pavments, wiped out my 6 years of progress and caused my credit score to plummet XXXX XXXX  I feel targeted and ignored by a system that refuses to acknowledge my proactive communication. I am not a " high-risk borrower ; I am a long-term customer who communicated a one-time issue that has since been fully paid and brought current. I am requesting that PNC perform a Goodwill Adiustment ' to delete this reporting mark as a correction for the lack of assistance provided during my four outreach attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: MoneyLion Inc.
State: TN

Complaint narrative:
I have a checking account a savings account and an investment account with money line I tried to get my money out 3 years ago they wouldn't let me so I've been trying to get my money out of my investment account for 3 years they won't let me but they keep taking money out of my regular account and put into my investment account so I told him to stop give me my money and close this account they refuse to close my account they refuse to tell me what's going on with my money then the investment account and I really need more for pain and suffering I just went through a XXXX XXXX to have my XXXX XXXX  for a week XXXX XXXX XXXX XXXX  I just want my money it shouldn't take 3 years to get your money

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 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I went to capital one branch to deposit check. Before I deposited the check I asked the teller when will my funds be available. He said one amount would be available 2 days from now and the rest would be available next week. I had my car hit thats why I received the e check so I put my car in shop. I also had vet appointments for my dogs because they were extremely sick. After three days of depositing the check they told me I have to wait 3 weeks for funds. I called capital fustrated and cursing because I had to pay extra to get my car out the shop because of the delay and my dogs stayed extremely sick. So I had to pay way more because of the time the sickness stayed around. This affected my transportation to work as well. I specifically asked the guy when the funds available he told me but didnt explain to me that its a possibility of a delay and that XXXX me off. They are trying to close my account on XX/XX/XXXX. I dont think its fair I have to put my life on hold do to the information not be relayed to me now I have to be punished by closing my account but they go on about their marry way. The bank teller never got punished when he was the one who lack the ability of sharing that knowledge. Now I would like to file for pain and suffering and the inconvenience this situation brought to my life because of their employee not relaying all information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams, Rush & Associates, LLC
State: GA

Complaint narrative:
Notice of Intent to Sue Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) I am submitting this complaint because Williams , Rush & Associates , LLC continues to report a debt without providing legally sufficient documentation establishing its authority to collect or furnish this account and repeatedly closes CFPB disputes without resolving the underlying issue. I formally disputed this account and requested validation, including proof of ownership or a valid assignment of the debt demonstrating Williams , Rush & Associates legal right to collect and report the account. In response, the company merely states that it is an authorized and assigned collection agency for XXXX XXXX XXXX, XXXX. No documentation has been provided to support this claim. The original retail installment contract does not list Williams , Rush & Associates , LLC as a creditor, assignee, or authorized agent. The company has failed to produce a bill of sale, assignment agreement, servicing agreement, or any chain-of-title documentation. Assertions alone do not satisfy the verification requirements under federal law. Despite the lack of validation, Williams , Rush & Associates continues to report this account and repeatedly closes CFPB disputes by claiming the matter is resolved, even though the core issuefailure to provide proof of authorityremains unaddressed. Closing disputes without correcting inaccurate reporting or supplying proper documentation is not a good-faith resolution and undermines the consumer dispute process. Under the Fair Credit Reporting Act ( FCRA 611 ) and Fair Debt Collection Practices Act ( FDCPA 809 ), a furnisher and debt collector must conduct a reasonable investigation and provide meaningful verification when a debt is disputed. Continuing to report an unverified account while prematurely closing disputes constitutes inaccurate and misleading credit reporting. I have also filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter. Despite this escalation, Williams , Rush & Associates has continued the same conduct.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
To Whom It May Concern : This letter serves as a formal CEASE AND DESIST and DEMAND FOR DEBT VALIDATION pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ).

You are hereby ordered to CEASE AND DESIST all forms of communication with me, my family, or my place of employment regarding the alleged debt referenced above.

Your agency has no verified legal right to collect, report, or pursue action on this account without proper and complete validation of ownership and legal assignment of this debt.

You are currently in violation of federal law by continuing to report this account to the credit bureaus without substantiating your right to collect. If you can not prove full ownership or legal right to collect this debt, you are knowingly furnishing inaccurate and unverifiable information, which is a direct violation of the FCRA ( 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) ).

I am formally demanding the following documentation within 15 calendar days from the date of this letter : The original signed contract or application bearing my signature showing liability for this debt.

The complete chain of title or assignment of debt, including all transfers and dates from the original creditor to your agency.

A copy of the bill of sale or purchase agreement showing your agency legally owns this debt.

An itemized statement of all amounts claimed to be owed, including principal, interest, fees, and charges.

Your debt collector license number and the state ( s ) in which you are licensed to collect.

Your surety bond information, as required by law in certain jurisdictions. 
If you are unable to produce the above documentation in full, you are legally required to immediately remove this account from all consumer reporting agencies and cease any collection efforts. Further, if you do not legally own the debt, I demand that you return le account to the original creditor and permanently cease any further action on this matter.

Be advised that continued failure to validate, coupled with continued furnishing of false information to credit bureaus, constitutes willful noncompliance under 15 U.S.C. 1681n and is subject to actual, statutory, and punitive damages, as well as attorney fees and court costs.

I am documenting all violations and reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general 's office, and seek relief through litigation if necessary.Let this serve as your final warning. Failure to comply within 15 calendar days will result in further legal Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: MO

Complaint narrative:
XX/XX/XXXX I checked the currency rate of exchange US to XXXX, It was XXXX??? 
I checked the rate again before XXXX XXXX. Again over XXXX?? 
XXXX XXXX  XXXX I sent {$450.00} that would equal just over XXXX Thai THB dollars ( exchange rate was in excess XXXX The receipt states exchange rate of XXXX THB. 
I was shorted XXXX THB. 
I phoned Western Union and spoke with some foreign lady that GAVE ME DOUBLE TALK. I was never given any answer that mades sense as to the difference. 

According to EIGHT difference sites the rate of exchange was never below XXXX on XXXX / XXXX / XXXX. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never below XXXX Western Union site states XXXX Notice the addition information about Western Union XX/XX/XXXX XXXX USD = XXXX {$10.00} = XXXX {$400.00} = XXXX XX/XX/XXXX XXXX USD = XXXX {$10.00} = XXXX {$400.00} = XXXX XX/XX/XXXX XXXX USD = XXXX {$6.00} = XXXX {$130.00} = XXXX XX/XX/XXXX XXXX USD = XXXX {$10.00} = XXXX {$250.00} = XXXX XX/XX/XXXX XXXX USD = XXXX {$10.00} = XXXX {$340.00} = XXXX XX/XX/XXXX XXXX USD = XXXX {$5.00} = XXXX {$100.00} = XXXX XX/XX/XXXX XXXX USD = XXXX {$8.00} = XXXX {$300.00} = XXXX XX/XX/XXXX XXXX USD = XXXX {$5.00} = XXXX {$100.00} = XXXX XX/XX/XXXX XXXX USD = XXXX {$8.00} = XXXX {$300.00} = XXXX XX/XX/XXXX XXXX USD = XXXX {$8.00} = XXXX {$300.00} = XXXX XX/XX/XXXX XXXX USD = XXXX {$10.00} = XXXX {$400.00} = XXXX XX/XX/XXXX XXXX USD = XXXX {$10.00} = XXXX {$340.00} = XXXX XX/XX/XXXX XXXX USD = XXXX {$6.00} = XXXX {$160.00} = XXXX XX/XX/XXXX XXXX USD = XXXX {$8.00} = XXXX {$300.00} = XXXX XX/XX/XXXX XXXX USD = XXXX {$6.00} = XXXX {$190.00} = XXXX XX/XX/XXXX XXXX USD = XXXX {$6.00} = XXXX {$140.00} = XXXX XX/XX/XXXX XXXX USD = XXXX {$8.00} = XXXX {$300.00} = XXXX XX/XX/XXXX XXXX USD = XXXX {$6.00} = XXXX {$190.00} = XXXX XX/XX/XXXX XXXX USD = XXXX {$8.00} = XXXX {$300.00} = XXXX XX/XX/XXXX XXXX USD = XXXX {$6.00} = XXXX {$200.00} = XXXX XX/XX/XXXX XXXX USD = XXXX {$8.00} = XXXX {$300.00} = XXXX XX/XX/XXXX XXXX USD = XXXX {$8.00} = XXXX {$300.00} = XXXX XX/XX/XXXX XXXX USD = XXXX {$8.00} = XXXX {$300.00} = XXXX XX/XX/XXXX XXXX USD = XXXX {$10.00} = XXXX {$400.00} = XXXX XX/XX/XXXX XXXX USD = XXXX {$8.00} = XXXX {$300.00} = XXXX XX/XX/XXXX XXXX USD = XXXX {$8.00} = XXXX {$300.00} = XXXX XX/XX/XXXX XXXX USD = XXXX {$6.00} = XXXX {$100.00} = XXXX XX/XX/XXXX XXXX USD = XXXX {$14.00} = XXXX {$400.00} USD = XXXX XX/XX/XXXX XXXX USD = XXXX {$10.00} = XXXX {$450.00} = XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have followed up on this matter numerous times, yet months have passed without any substantiating documentation being sent to me. As a consumer, I am not required to wait indefinitely while inaccurate or unverified information continues to damage my credit profile. The statutory investigation period has long passed, and your continued inaction is a clear violation of my rights.

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 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
Lockhart morris and Montgomery says that I owe money for a contract breach from a truck carrier I worked for they have not send the actual contract proof of why i owe this debt I told them i worked for the company till my contract was up and they said it was false I have a bank statement showing I got a pay check from the company during that time period the company did not pay for my XXXX training to get certified it was paid on my own they are trying to collect a debt that was sold fraudulently this illegal and it damaging my credit and also putting stress for something this is affecting my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation