vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management has filed a lawsuit against me for an alleged debt that they have failed XXXX properly validate. Upon review of the documentation they provided, specifically the bill of sale, there is no identifying information linking me XXXX the alleged account. The document lacks my name, account number, or any unique identifier that proves I am the rightful party associated with this debt. Instead, it appears XXXX be a XXXX XXXX transfer of accounts with no specific validation. Despite my formal request for proper validation under the Fair Debt Collection Practices Act ( FDCPA ), Midland Credit Management has continued collection efforts and escalated the matter XXXX a lawsuit without providing sufficient evidence that I owe this debt. Their actions constitute : Failure XXXX properly validate the debt Misrepresentation of the legal status of the debt Attempting XXXX collect on a debt without sufficient documentation Potentially deceptive XXXX unfair collection practices Midland Credit Management has filed a lawsuit against me for an alleged debt that they have failed XXXX properly validate. Upon review of the documentation they provided, specifically the bill of sale, there is no identifying information linking me XXXX the alleged account. The document lacks my name, account number, or any unique identifier that proves I am the rightful party associated with this debt. Instead, it appears XXXX be a XXXX XXXX transfer of accounts with no specific validation. Despite my formal request for proper validation under the Fair Debt Collection Practices Act ( FDCPA ), Midland Credit Management has continued collection efforts and escalated the matter XXXX a lawsuit without providing sufficient evidence that I owe this debt. Additionally, I have obtained a XXXX issued by the original creditor, indicating that the alleged debt was canceled. This raises serious concerns about the legitimacy of Midland Credit Managements claim, as the debt appears XXXX have already been treated as canceled XXXX reported as income. Their actions constitute : Failure XXXX properly validate the debt Misrepresentation of the legal status of the debt Attempting XXXX collect on a debt without sufficient documentation Potentially deceptive XXXX unfair collection practices

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing XXXX address an issue regarding an account that appears XXXX have been opened without my consent. I do not wish XXXX keep or be responsible for this account Wells Fargo, as I did not authorize its creation. Additionally, I acknowledge that there is a balance associated with another card XXXX credit card. I am willing XXXX take responsibility for that amount which is {$3000.00} XXXX would like XXXX arrange a reasonable payment plan XXXX resolve it. However, I am unable XXXX accept the current interest rates XXXX fees being applied, as I believe these charges have resulted from a lack of clear communication. For your reference, I have already submitted a claim with Wells Fargo regarding this matter XXXX have received a response. Instead they keep adding more charge and threatening me XXXX mark me as delinquent I would appreciate your assistance in reviewing this situation, correcting any unauthorized account activity, XXXX working with me XXXX establish fair repayment terms for the legitimate balance. Please let me know the next steps XXXX resolve this matter promptly. Thank you for your time XXXX attention.

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 2026-04-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a Home Depot Citi credit card account and made several purchases at The Home Depot stores and online in XXXX and XX/XX/XXXX. These purchases were made under a 6-month promotional no-interest financing offer. According to the offer, no interest would be charged on the purchases if I made timely payments during the promotional period. I made consistent on-time minimum payments of {$30.00} every month as required. Despite this, Citi charged me interest and fees on the promotional purchases, which violated the promotional terms. Here are the improper interest charges from the attached statements : XX/XX/XXXX statement : {$2.00} Minimum Charge XX/XX/XXXX statement : {$4.00} Interest Charge on Purchases XX/XX/XXXX statement : {$7.00} Interest Charge on Purchases XX/XX/XXXX statement : {$6.00} Interest Charge on Purchases XX/XX/XXXX statement : {$7.00} Interest Charge on Purchases XX/XX/XXXX statement : {$130.00} Interest Charge on Purchases Total improper interest charged to date : approximately {$160.00} ( plus any additional fees or continuing interest ). I contacted Home Depot Citi Credit Card Services in writing and requested a good faith refund of all improper interest and fees, along with a correction of my account balance. I attached all relevant statements. As of today, I have not received a resolution or refund. This appears to be a failure to honor the advertised promotional no-interest terms. I am requesting that the CFPB help me obtain : A full refund of all interest and fees improperly charged Correction of my account balance to reflect the proper promotional terms Confirmation in writing that no further interest will be charged during the remaining promotional period I have attached the following supporting documents : All monthly statements ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) Copy of my message sent to Citi requesting the refund I believe this violates the Truth in Lending Act and the terms of the promotional offer. Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: OH

Complaint narrative:
I was previously enrolled in the SAVE repayment plan in XXXX and was asked to recertify my income. I completed that recertification, and as a result, I was approved for an Income-Based Repayment ( IBR ) plan on XX/XX/XXXX, with a monthly payment of {$54.00} for a XXXX period starting XX/XX/XXXX. On XX/XX/XXXX, I received a new repayment schedule increasing my monthly payment to {$180.00} starting XX/XX/XXXX. I did not submit any new income information, nor did I request a recalculation of my payment. Based on the original approval, I believe the {$54.00} payment amount should remain in effect for the full XXXX period. I am requesting that my original approved IBR payment be honored, or that a clear and detailed explanation be provided outlining the reason for this change, including the income and factors used in the recalculation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: OK

Complaint narrative:
Company : SoFi Bank, XXXX. Product : Checking / Debit Card Issue : Unauthorized transactions/ Regulation E dispute Complaint : I am filing a complaint regarding SoFis handling of my unauthorized transaction dispute involving multiple XXXX XXXX transfers to an individual identified as XXXX XXXX. These transactions occurred over a short period and clearly stem from a single unauthorized access event. I did not authorize these transfers, did not benefit from them, and reported the issue promptly upon discovery. SoFi denied the majority of the disputed transactions while approving one transaction automatically based on internal system thresholds. This demonstrates inconsistent handling of transactions that arose from the same event, which raises concerns about compliance with Regulation E ( 12 CFR 1005.11 ). In their denial, SoFi relied on the following reasoning : - The transactions were authenticated using a passcode and/or biometric verification - The transactions were consistent with prior account activity - The account and merchant had been used previously - A funds load occurred prior to the transactions However, these points do not establish that I authorized the transactions. If my device or credentials were compromised, authentication methods such as biometrics or passcodes do not prove authorization. Additionally, similarity to prior activity is not a valid basis to deny a claim under Regulation E when unauthorized access is reported. SoFi also failed to provide a meaningful explanation of their investigation. Their response does not indicate whether they reviewed : - Device access logs - IP address or geolocation data - Merchant authentication records- XXXX XXXX transaction verification data Instead, they provided only generalized conclusions without describing the investigative steps taken, which does not meet Regulation Es requirement for a reasonable, good-faith investigation. I am requesting that : 1. SoFi reopen and reinvestigate all disputed transactions collectively as part of a single unauthorized event 2. SoFi provide a detailed explanation of the investigative steps taken for each transaction 3. Any improperly denied transactions be reimbursed in accordance with Regulation E I am seeking a fair and compliant resolution to this matter. Desired Resolution : Reversal of all unauthorized transactions and confirmation of a compliant Regulation E investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
money was sent to my account through Zelle by a friend XXXX XXXX ( {$200.00} ). I didnt not request the money but was sent to me to give to somneone else. She in turn told me she put in a claim of fraud for another payment she made to XXXXXXXX XXXX and not me but her bank put in fraud claims on all her transactions that day. When I spoke to her she sais she called her back ( XXXX ) and wqas told by tghem that the reversed the claim and it was bank ( XXXX ) that refuses to fix it. I called XXXX and was told to get a retraction number from her & her bank. She claims XXXX will not give to her. I'd like to know how to fix this issue being it was not fraud nor did i request the money from her. This has caused me a lot of headaches being this is how I sned money to my grandchildren. Please help Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc
State: TX

Complaint narrative:
I am filing a complaint regarding XXXX XXXX billing practices, which I believe are deceptive and result in unfair late fees. XXXX XXXX advertises that members can manage and make payments through their mobile app. However, when I attempt to make a payment in the app, it consistently displays a message stating payment processing, and does not allow me to complete the payment. Because of this, I am unable to make a timely payment before the due date. The system only allows payment to go through after the due date has passed, at which point a late fee has already been added to my account. For example : * My account shows a balance that includes both a monthly fee and a late fee. * The app prevents payment beforehand, but allows payment only after the late fee is applied. This creates a situation where I am effectively forced to incur late fees despite attempting to pay on time through the method the company promotes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am filing a complaint against LVNV Funding LLC regarding inaccurate and inconsistent credit reporting of an alleged debt in the amount of {$480.00}. This account is being reported in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires that all information be reported with maximum possible accuracy, and 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a reasonable investigation after a dispute. The account, reported as opened on or about XX/XX/year>, contains multiple inconsistencies across credit bureaus. The payment status is reported differently, including collection/charge-off on one bureau and 120 days late on another. Additionally, the account is being classified inconsistently as both an open account and a collection account. There are also discrepancies in the reported dates of last activity and payment history. One bureau reflects a last active date of XX/XX/year>, while another reflects XX/XX/year>. A date of last payment is reported on one bureau but not consistently across all agencies. These inconsistencies indicate that the account is not being reported with maximum possible accuracy as required under FCRA 1681e ( b ). I previously disputed this account and requested validation, including the original creditor information, a complete account history, a breakdown of the balance, and proof of LVNV Funding LLCs legal authority to collect this debt. However, I have not received adequate documentation validating this debt. Despite my dispute, LVNV Funding LLC has continued to report this account without correcting the inconsistencies or providing sufficient validation, which raises concerns about whether a reasonable investigation was conducted as required under FCRA 1681s-2 ( b ). Due to these violations, I am requesting that this account be fully investigated and removed from all credit reporting agencies if it can not be properly validated and reported accurately in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Palisade Legal Group, PLLC
State: RI

Complaint narrative:
I enrolled with Palisade Legal Group for debt settlement services. On or about XX/XX/2026, I formally requested cancellation of the program. Despite my cancellation request, I have not received written confirmation that my account has been fully closed, that my balance is {$0.00}, or that no further charges or withdrawals will be made. I also requested information regarding any applicable refund but have not received a response. I am concerned that the company may continue to attempt withdrawals from my bank account without authorization. I am requesting written confirmation of account cancellation, a {$0.00} balance, assurance that no further charges will occur, and any refund owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: Paypal Holdings, Inc
State: GA

Complaint narrative:
My XXXX was hacked and I was a victim of subscription XXXX. At that time the hackers stole my identity and charged over {$10000.00} to my XXXX XXXX. It looks like they also attempted fraudulent activity on my XXXX account and the account was suspended. I had to delete thousands of emails from my XXXX and inadvertently deleted the recovery email XXXX sent me. Since then I have called and chatted with XXXX XXXX customer service bot. The calls tell me to chat with the bot or I wait on hold for over 20 mins and then the calls drop. The bot continually tells me to go find the email and never responds to my request to have another email sent. Then the bot tells me to call. The call just returns me to the bot. I have {$140.00} in funds I can not access and I can not close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/year>, I requested a balance transfer check for {$4500.00}. I never received the check. Despite multiple calls reporting non-receipt, the amount was charged to my account. On XX/XX/year>, I was finally provided a copy of the check, which was clearly forged and made payable to an unknown third party. This is fraud. The credit card company has failed to provide written confirmation of any investigation despite repeated promises. I am requesting immediate removal of the {$4500.00} charge, along with all associated fees and interest, and written confirmation of the resolution

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX and XXXX XXXX, a student loan in the amount of {$1900.00} was associated with my Social Security number but under a completely different first and last name, email address, and identity that I did not recognize. I repeatedly disputed this account with Aidvantage, explaining that : * The loan was not mine * It was issued under a different name * The signature did not match mine * I never authorized or signed for this loan As part of this process, I submitted a loan discharge application based on identity theft/forgery, which was denied despite the clear identity discrepancies. I also formally requested call transcripts and recordings to verify any claim that I had ever stated the loan was valid. In response, the company stated they do not have transcripts of calls, but only provided a list of call dates : * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX Despite multiple disputes and requests for documentation, the company failed to provide evidence that I authorized this loan or that it belongs to me. Additionally, after I raised the issue that the loan was under a different name, the company changed the name on the account to match mine, rather than resolving the discrepancy or properly investigating the identity mismatch. Because the balance continued to accrue interest and the issue remained unresolved, I ultimately paid the full amount of {$1900.00} on XX/XX/XXXX, under pressure to prevent further financial harm. This payment was made under dispute, and only because the company failed to properly investigate or resolve a loan that was clearly associated with a different identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
This account is due to identity theft and and has been removed several times

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 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, XXXX entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This is a very stressful situation for me I feel like I have been violated this has affected my livelihood and ability to provide for my family

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
I am disputing inaccurate reporting of a {$13000.00} collection by Hunter Warfield XXXX XXXX XXXX ). The underlying court case was dismissed without prejudice on XX/XX/year> with no monetary judgment. I disputed this account prior to reporting, yet it was still added and continues to be updated. This is a misrepresentation of a legally unenforceable debt and violates the FCRA and FDCPA. Documentation attached. I request immediate deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: FL

Complaint narrative:
XX/XX/XXXX my car was repossessed for late payment. XX/XX/XXXX a verbal agreement was made with westlake portfolio management department supervisor that XXXX was to be paid in full by XX/XX/XXXX to reinstate policy and pick up vehicle. XXXX and XXXX Payments were received XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, I have requested proof of release of vehicle and have been denied. I am still not able to pick up vehicle as of XX/XX/XXXX with no legal reason. It has been longer then 72 hours since westlake portfolio management received payment.

Company response to consumer: Closed with explanation