vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a XXXX  checking account and XXXX  and wells Fargo are stealing my money. They have {$10000.00} of my money that was in my XXXX  account and they closed my account and are refusing to give my {$10000.00} that belongs to me legally.

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 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I disputed this account with the credit reporting agencies and requested documentation to validate the alleged debt, including proof of ownership, the original agreement, a complete account history, an itemized balance, and the method used to verify the debt. 

The company did not provide this documentation, yet the account was marked as verified and continues to be reported to the credit bureaus as accurate. This indicates the debt was verified without a reasonable investigation or supporting records. 

As a result, inaccurate and unsubstantiated information continues to be reported on my credit report, causing ongoing harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Identity Theft Dispute Account No. XXXX To Whom It May Concern, I am writing to formally dispute the above-referenced account, which is being reported under my name as a result of identity theft. I am not, and have never been, responsible for this account. 

After reviewing my consumer credit reports, I discovered that XXXX XXXX XXXX  is reporting a charged-off account with a balance of {$1400.00}, while LVNV Funding LLC XXXX which claims to have purchased this account, is reporting a different balance of {$1800.00} under a related account number. These conflicting balances further demonstrate the inaccuracy and unreliability of the information being reported. 

I have filed official identity theft reports, and documentation supporting my claim is enclosed. Under the Fair Credit Reporting Act ( FCRA ) 605B, upon receipt of an identity theft report, a furnisher of information is required to block the reporting of fraudulent information within four ( 4 ) business days and must cease all collection and reporting activity related to the fraudulent account. 

Additionally, if XXXX XXXX XXXX  sold or transferred this account, it is improper for multiple entities to report active balances simultaneously. Reporting inconsistent balances for the same alleged debt constitutes inaccurate and misleading reporting under the FCRA.

Accordingly, I am demanding the following : 1. Immediate deletion of this account from all consumer credit reporting agencies 2. Cessation of all collection activity related to this account 3. Written confirmation that the account has been permanently removed and is no longer being pursued This letter is not a request to correct, validate, or update the balance. Any attempt to do so would be inappropriate, as the account itself is the result of identity theft and must be removed in its entirety. 

If this account is not promptly blocked and deleted as required by law, I will pursue all available remedies, including complaints with the Consumer Financial Protection Bureau ( CFPB ) and enforcement of my rights under the FCRA. 

Please confirm in writing once deletion has been completed. 

Sincerely, XXXXXXXX XXXX XXXX XXXXXXXX Enclosures : Police Report FTC Identity Theft Report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management
State: CA

Complaint narrative:
I'm writing in response to a email regarding an alleged debt for {$1700.00}, received from Plaza Services LLC located at address XXXX XXXX XXXX XXXX XXXX  XXXX RE : Account # XXXX. This is not a refusal to pay, but a formal request for validation of this debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ,15 U.S.C. 1692g. I dispute this debt and request that Plaza Services LLC provide the following information.XXXX.Documented proof that their agency has the right to collect this specific, debt. This must include any contracts, assignment agreements, or bills of sale showing the transfer of ownership from the original creditor to their agency.XXXX.The name and address of the original creditor.XXXX. A copy of the original contract or agreement bearing my signature. XXXX. An itemized breakdown of the total amount, including principal, interest, and any added fees XXXXDocumentation showing their legal authority and license to collect this debt in my state.XXXX.The date of the last payment made on this account and the date it became delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Sezzle Inc.
State: OK

Complaint narrative:
I am submitting this complaint regarding multiple payments processed by Sezzle on my account after prior failed transactions, which were later completed simultaneously without renewed authorization, causing financial harm. 
Sezzle has confirmed in writing that these payments were previously declined and that their system kept trying to charge my stored credit card until the payments were completed. All disputed payments were processed in bulk on XX/XX/year>, after multiple prior failures. 
While I do not dispute that payments were owed, I dispute the manner, timing, and authorization of the retries and bulk completion. Sezzle has not provided : Proof of authorization for each individual payment retry Authorization timestamps for each completed transaction Disclosure of whether an account updater or stored credential override was used Any policy explaining why multiple failed payments were later processed simultaneously Sezzles explanation relies solely on a general obligation to pay, not evidence of valid authorization or compliant retry practices. Automated retrying until success does not establish consumer authorization, particularly when multiple payments are completed at once after prior declines.

These transactions caused immediate financial harm by removing funds unexpectedly and restricting my access to money. My card issuer dispute was denied despite Sezzles admission that the charges resulted from automated retries rather than new authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am filing this complaint against Affirm , Inc. for the continued reporting of unverified and potentially inaccurate late-payment information on multiple accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for the months of XXXX 2025, despite my formal request for verification. Affirm has failed to provide documentation demonstrating how these alleged delinquencies were calculated, whether the accounts were actually past due at the time reported, or whether the reporting accurately reflects the account balances and statuses in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Reporting late payments without proper verification constitutes inaccurate and unlawful reporting and has caused direct harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
During the months of ( XXXX, XXXX, and XXXX of XXXX ), ( XXXX, XXXX, XXXX, and XXXX of XXXX. ) and XXXX of XXXX. I had communication issues and breaking/losing phones XXXX XXXX  causing trouble paying mortgage due XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  we have since sold the property and our account has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/year>, i was supposed to received an item on my doorstep from ups from the times of XXXX but my packages arrived at XXXX. Once i woke up around XXXX my item said it was delivered but once i went outside to find it nothing was there. I then looked at my cameras to find out that someone had stolen my package. the whole purchase was {$200.00} from XXXX XXXX. Once i contacted the merchant they told me that their policy does not allow me for a refund because they do not support theft when the package is delivered. So I contacted sezzle the afterpay service and opened a dispute which was closed soon after because they told me contact the merchant. I then contacted XXXX and they have yet to even contact me back as far as helping me which made me contact my bank Chase. Chase has told me that they cant do anything and to contact the merchant. Basically im being ran around in a loop and im not receiving a refund for my purchase

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TrueAccord Corp.
State: TN

Complaint narrative:
Sentry credit , inc is trying to collect a debt for XXXXXXXX XXXX XXXX. Calling, texting, sending me postal mail of one paper statement saying I owe. The bank never loaned me any money to purchase this vehicle. I have disputed this on my credit report. This is a 3rd party and never given them permission in violation of my personal information USC code.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hi. I had a Wells Fargo checking account a year or two ago. I then closed it last year. I did it over the phone after withdrawing all my cash from the account because they wouldn't allow me to close the account at the local branch ( will feels like a questionable company policy in itself ). When I talked over the phone they verbally confirmed for me that I would not have any accounts with them after I closed my account but I regrettably did not get any paper confirmation of this nor did I record the call. 

Anyways, I just got mail from Wells Fargo telling me I had a credit card with them. They also sent me 3 " SUPERCHECKS ''. I think they're function as checks that would draw from this credit card account if I use them. There are no charges on the account and and no fees at this time. However, I now have to go back and waste time canceling a credit card that I never signed up for in the first place.

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 non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: IN

Complaint narrative:
I've noticed that there's multiple different unauthorized transactions on my cash app account that I didn't make an I had lost my phone on XX/XX/year> around XXXX I called the phone company to get it deactivated but they said they thought it was deactivated but it was evidently still activated and I just got a new phone and I logged in to my account and I just seen this in my account I've been making my personal purchases thru my computer because I don't have a cash app debit card and I noticed something suspicious when I got declined at a store and I knew I had more money in my account. So can you please help me out with disputing these unauthorized transactions just from XXXX different companies named ( XXXX XXXX ) and ( XXXX XXXX XXXX ) an they started purchasing around XX/XX/year> can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
" This item was investigated by Experian and deleted as unverifiable. I have attached the proof of deletion. Please remove this from my file to ensure accuracy under the FCRA. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Activehours
State: KY

Complaint narrative:
I am providing this message as a final notice regarding the restriction of my EarnIn account and the documentation being requested to resolve it. 

The debit in question posted successfully, and my bank account was not negative at the time the debit was initiated or settled. This information should be verifiable through EarnIns internal systems. 

I have expressed that I am not comfortable providing screenshots displaying my full bank balance due to privacy and security concerns. I have also indicated my willingness to cooperate through reasonable alternative verification methods, including redacted documentation or internal transaction review. 

At this point, I am requesting XXXX of the following : Verification of the transaction through EarnIns internal records and restoration of my account, or Written confirmation of an alternative verification method that does not require disclosure of my full bank balance. 

If this matter can not be resolved promptly through reasonable verification, I will submit a formal complaint to the Consumer Financial Protection Bureau for review of EarnIns documentation practices and account restriction procedures. 

I would prefer to resolve this directly and without regulatory involvement. Please advise on next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am filing a complaint regarding my Apple Card issued by Goldman Sachs. 

I purchased an XXXX that turned out to be a counterfeit item. 
I immediately contacted Apple and Goldman Sachs to report the issue. 

The counterfeit XXXX is currently in my possession, and I am fully ready to return it. 
However, despite contacting support multiple times, no dispute is visible in my Apple Wallet, and I have not been provided with a dispute case number or proper return instructions. 

Because a dispute was not properly opened or processed, I am unable to return the item and have not received a refund. 
This has left me with a counterfeit product and without my money. 

I am requesting that Goldman Sachs immediately open and properly process my dispute, provide official return instructions, and issue a full refund for this counterfeit transaction. Apple previously denied my claim by alleging fraud. 
I strongly dispute this allegation, as I have provided unboxing video and photo evidence showing the item is counterfeit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: FIRST PORTFOLIO SERVICING INC
State: NJ

Complaint narrative:
To Whom It May Concern, I am a New Jersey resident writing to formally dispute fraudulent and inaccurate information appearing on my consumer credit report. I did not authorize, open, use, or benefit from the account ( s ) and/or charges described below.

This dispute is submitted pursuant to federal law and New Jersey state law, including but not limited to : Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) 15 U.S.C. 1681c-2 ( Blocking of information resulting from identity theft ) New Jersey Identity Theft Prevention Act ( N.J.S.A. 56:11-44 et seq. ) New Jersey Consumer Fraud Act ( N.J.S.A. 56:8-1 et seq. ) Fraudulent Information Being Disputed Creditor / Furnisher Name : Revvi Account Number ( partial ) : XXXX Date ( XXXX ) reported : XX/XX/year> Reason for dispute : Identity theft / unauthorized account or charges

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I am a XXXX veteran and have a mortgage with freedom mortgage.They say that I missed my payments for XXXX and XXXX of XXXX when I have documents from my bank to show otherwise. When we contacted freedom mortgage to show their error they hung up the phone on us.mighty suspicious. I went to freedom mortgage website and scheduled automatic payments starting on the XXXX of XX/XX/XXXX and every month in the future On XX/XX/XXXX it showed that the payment was received and on the next day it showed the payment was in suspense, I need to know why, I have never missed any payments and because of freedom mortgage errors my XXXX XXXX has dropped from XXXX to 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 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, I made a PayPal Pay in XXXX purchase totaling {$61.00} for merchandise that was never received. The merchants XXXX marked the package as delivered, but no package was delivered to my residence. I filed an " Item Not Received '' dispute with PayPal and provided evidence, including door camera footage showing no delivery occurred during the reported delivery window and documentation that the carriers proof of delivery does not show the package at my address or being handed to me.

PayPal denied my claim solely based on the carriers delivery status, without requiring verified proof of delivery such as confirmation of delivery location, signature, or photo evidence tied to my address. I appealed the decision and again requested proof beyond carrier status, but PayPal reaffirmed the denial without providing any additional information. Because the transaction was processed via PayPal using ACH, my financial institution informed me the charge could not be disputed through them and must be resolved directly with PayPal.

I believe PayPal failed to properly investigate my " Item Not Received '' claim and relied exclusively on unverified carrier tracking, effectively denying buyer protection despite insufficient proof of delivery. I am seeking a refund of {$61.00} and a formal review of PayPals dispute handling process for Pay in XXXX transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: AR

Complaint narrative:
I was involved with someone online who claimed to be of age. Received multiple calls today from a man claiming he was the father of said individual that the interaction was in fact with a XXXX. He said that the XXXX  had injured themselves and was in XXXX. He stated I should help him settle things and help with these expenses. I agreed ( I bit into his scam ) and sent him money via Chime. Unfortunately, the name of the chime account did not match his name. I believe I was a victim of fraud and extortion scam. I have reported this interaction with the FBI. I also contacted Chime regarding this interaction and they said there wasnt much they could do to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this letter as a formal rebuttal to the response provided by Affirm regarding multiple charged-off accounts allegedly associated with my credit file. 

While Affirm states that these accounts were charged off after XXXX  days past due, this response does not satisfy the requirements of the Fair Credit Reporting Act ( FCRA ). Simply restating internal records does not constitute proper verification under FCRA 611. 

Specifically, I dispute the accuracy and legal sufficiency of the reporting based on the following : XXXX. No documentation has been provided showing a complete payment history for each individual loan. 
XXXX. No proof has been provided establishing the exact Date of First Delinquency being reported to the credit bureaus. 
XXXX. No documentation has been supplied showing that XXXX has legal assignment or ownership authority to report these accounts. 
XXXX. It has not been demonstrated that the reporting is not duplicative, misleading, or re-aging the accounts in violation of FCRA 623. 

A statement that a charge-off is irreversible does not override federal reporting requirements. If these accounts can not be verified with competent, third-party documentation, they must be deleted from my credit report. 

I am requesting a reinvestigation and written proof of verification, including contracts, assignment records, and bureau reporting data. Failure to provide this information requires removal under federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation