vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
On XX/XX/year>, a {$1300.00} collection account was placed on my consumer report by this company. I reviewed the account and believe the information being reported is not accurate and has not been properly validated. I attempted to address the issue and requested proper verification of the alleged debt. However, the company has not provided sufficient documentation confirming that the debt is valid or that they have the legal authority to collect it. Under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to cease collection activities and provide proper validation of the debt when it is disputed. The account being reported is not XXXX XXXX verified. Until the company provides competent evidence validating the debt including a signed agreement, full account history, and verification of their authority to collect they should not continue reporting or attempting to collect this account. Because this information remains unverified and potentially inaccurate, I am requesting that the account be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Category : Bank Account / Fraud / Identity Theft On XX/XX/year>, an unauthorized individual successfully accessed my Wells Fargo online banking account after contacting Wells Fargo customer service. The attacker : Added a new phone number to my account Reset my online banking password Initiated wire transfer setup This indicates that XXXX XXXX authentication controls were bypassed or improperly overridden. No funds were transferred because I detected and stopped the activity promptly. However, the attacker clearly passed customer verification procedures, including what should have been voice authentication safeguards. Despite reporting the incident immediately to XXXX XXXX fraud department, I have not received a substantive response explaining : How authentication was passed Whether voice biometric controls were triggered What personal data was accessed What remediation steps were taken Under Regulation E and OCC cybersecurity guidance, Wells Fargo has an obligation to maintain commercially reasonable security procedures and to provide transparency regarding unauthorized access. I am requesting a formal investigation, written explanation of control failures, and confirmation of data exposure. I believe this incident represents a failure of proper customer authentication procedures.

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 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
In late 2023, XXXX XXXX XXXX Co ran multiple unauthorized hard inquiries on my credit report without written consent, far exceeding what is required to originate the loan. The associated debt was already deleted by XXXX, yet XXXX XXXX and the credit bureaus continue to report it inaccurately. By doing this, they are willfully violating FCRA 605B, 609, 611, 623, TILA, EOCC, EOSCAR, and other federal and state consumer protection laws. Their continued reporting of a deleted account has caused denial of personal and business credit, financial damages, and emotional distress, and may constitute discriminatory practices by obstructing lawful access to credit. I am requesting immediate correction of all credit reporting, removal of unauthorized inquiries, and full compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
This Company Fraudulently put a collection on my accoint that does not belong to me. I believe that they obtained information illegally and they even backdated a FRAUDLENT service to XXXX of XXXX I have no collections and my credit score was affected by the fraudulent account for : CREDENCE RESOURCE MANA XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX ( XXXX ) XXXX. XXXX XXXX, They have added this to both XXXX and XXXX so far, but my Equifax bureau was not affected as of XX/XX/XXXX. This company is collecting for another company who illegally obtained my information : Original creditor : XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX AZ XXXX ( XXXX ) XXXX ( XXXX ) XXXX ; I want this FRAUD to be on their record and my credit restored with this information DELETED from my credit bureaus immediately. My home was burglarized some time after XX/XX/XXXX when I was taken to the XXXX and there was a crime, and my information was doxed nationally. Below is the police report information. Police Report # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am submitting this complaint regarding an overdraft transaction processed on my account with Wells Fargo that I believe should not have been paid. Transaction details : XX/XX/XXXX XXXX XXXX {$1700.00} The main issue is that I do not recall ever opting in to overdraft coverage on my account. I was not aware that overdraft was active, and I never intended for my account to go into a negative balance. I do recognize the transaction itself. It is a rent payment made through XXXX. However, I did not have sufficient funds in my account to cover it, and I expected the transaction to be declined. I did not intend to use overdraft, and I do not remember providing any authorization or opt-in for the bank to cover transactions when there are insufficient funds. Additionally, I had contacted XXXX on XX/XX/XXXX requesting that this payment be cancelled before it was processed. Unfortunately, the cancellation did not occur. On XX/XX/XXXX the transaction was still appearing as processing on my account statement. I contacted Wells Fargo to ask if the ACH transaction could be returned due to insufficient funds, but I was told that they could not reverse or return the payment. I want to emphasize that I do not have a credit history in the United States and I do not have a Social Security Number. Because of this, I would not knowingly agree to any service that allows the bank to advance funds on my behalf or place my account into a negative balance. This overdraft occurred because the bank chose to pay the transaction instead of declining it. Since I do not remember opting in to overdraft coverage, I believe the bank should not have processed this payment. This amount represented the only money I had available at the time, and the overdraft has placed me in a very difficult financial situation. For these reasons, I am requesting that Wells Fargo reverse this transaction and return the {$1700.00} to my account. Account number 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 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
XXXX and XXXX to provide status of the exact amounts of past dues as appears on the ledger of the accounts receivable of the Creditor On XXXX XXXX I filed for bankruptcy protection. Under the law, all past dues amounts must be frozen and included into the bankruptcy repayment plan. Please provide me the exact amount of unpaid past dues on XXXX XXXX as appears on the account receivable of the Creditor XXXX XXXX XXXX lawyer who represented PennyMac submitted the claim on behalf of PennyMac. Please disclose how much was the amount of this claim as appeared on the account receivable of the Creditor Provide copies of documents based on which this attorney calculated the amount of this Claim filed in my bankruptcy case On XXXX XXXX Trustee paid {$330.00}. XXXX and {$1200.00} under this Claim. Please disclose how these payments were applied. Where {$330.00} was applied. Where {$1200.00} was applied I paid the entire amount of all past and current escrow. Please disclose how much exactly is the total amount of any unpaid past dues ( all escrow was paid ) as of XXXX XXXX as appears on the account receivable of the Creditor Please send me a reinstatement quote and the total payoff statement

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This account violates XXXX charge off status and past due please remove it in accordance with FCRA and XXXX guidelines. This company is violating my rights they have not provided validation information under 12CFR1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report. Furnisher are required to report only accurate and complete information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 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: CA

Complaint narrative:
LVNV LLC opened collections account on XX/XX/2021. I have requested LVNV to provide proof of debt by providing me with original contract with wet signature of debt account, along with valid account statements, proof of purchase, proof of accurate reporting statements. Additionally, I have requested proof of account ownership, by providing original purchase agreement/contract with wet signature. LVNV LLC has failed to provide legally required proof of debt contract and validation that I am the owner of this debt. LVNV LLC has been illegally and inaccurately reporting revolving debt collection balance of {$620.00} to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MI

Complaint narrative:
I am XXXX yrs old mother of a XXXX yr old daughter She asked me to sponsor her on a cash app account which I did back in 2021. She never received a debit card from them and never hardly used it but on XX/XX/XXXX of XXXX a XXXX family members deposited XXXX different amounts into that account and it did not ask me I was sponsored to it and it shows up on my cash app account but it did not ask me if it was okay or not well anyways they proceeded to send {$25.00} and then {$100.00} since XXXX of XXXX till current I have spoken to them at least XXXX times on the phone at least emailed and chatted with them at least XXXX times I have every bit of information I've asked them to close the accounts on me the money they said they don't do that every time they have no excuse for it they get a manager on the phone the manual manager tries to after I give them all my information supervisors have tried like XXXX to XXXX times the manually send the {$120.00} from that account into mine so I can give it to my daughter it was for her XXXX birthday and they all they say to me is we couldn't do it. I have screenshots of it I have number phone calls I have the people I spoke to it's ridiculous I want my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: IN

Complaint narrative:
I borrowed {$650.00} and have paid {$1900.00}. These amounts are excessive relative to the original principal borrowed. They are charging fees and interest and saying I still owe {$610.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am filing this complaint regarding Cash Apps refusal to restore access to my original account that contains XXXX purchased with my funds. Cash App XXXX representatives have acknowledged that the account exists and confirmed that XXXX is present in the account. However, despite multiple attempts to verify my identity, they have refused to restore my access. I have now attempted to resolve this issue with Cash App support XXXX separate times and have been denied access each time without a clear explanation. I am able to provide multiple undisputable pieces of identifying information that match the original account, including : The original email address used to create the account The original phone number associated with the account The original XXXX XXXX used on the account The bank account number used to purchase the XXXX The bank card number used with the account * The original physical address used to open the account. I also possess documentation proving activity on the account, including : A Cash App XXXX tax form from XXXX reflecting XXXX activity Bank statements showing the purchases of XXXX through Cash App The original drivers license used when creating the account, which is still valid and shows the same address used when the account was opened. Despite offering this information and documentation, Cash App has refused to restore access or provide a clear explanation as to why access is being denied. This account contains XXXX purchased with my own funds in XXXX. I am requesting that Cash App either restore my access to the account or transfer the XXXX to my currently verified Cash App account after confirming my identity using the documentation I have available. I am willing to provide copies of my identification, tax forms, and bank statements to verify ownership of the account and the XXXX purchases. I respectfully request assistance in resolving this matter and ensuring that I regain access to the XXXX held in my account. Square Cash App has a horrific history of this type of activity even when customers can prove identity with undisputable evidence. I need your assistance please...

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: WA

Complaint narrative:
* I was in fact approved for a loan. * I in fact DID make a purchase that was paid for by Affirm. * I did in fact ATTEMPT to pay my loan multiple times. * Affirm refused my payment due to the corruption of the account information. * Affirm technology DID in fact combine my information with a pre-existing customer with a similar name. * Affirm DID fail to separate the accounts. * Affirm DID charge off my account for Non-payment. * Affirm DID report the Charge Off on my Credit File UNDER THE OTHER USERS NAME. * Affirm DID assure me they would sort this out and correct it. * Affirm has FAILED to follow through on all fronts considered Good & Acceptable business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Bridge IT, Inc.
State: TX

Complaint narrative:
I have been trying to remove my bank information and delete my account for over a week and they refuse to do either. They continue to make excuses to keep the account open. I have paid everything I owed and cancelled all subscriptions. The money that transferred from my savings has already been credited to my bank which is the excuse that they keep giving. I want all of my personal and financial information removed and my account completely deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 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: NV

Complaint narrative:
My PayPal account was permanently limited and PayPal removed {$2900.00} from my account balance claiming XXXX XXXX. PayPal XXXX XXXX confirmed there was no chargeback and could not provide any explanation or documentation showing how this loss occurred. I requested details including the transaction IDs and the section of the User Agreement allegedly violated, but PayPal refused to provide any information. The funds were legitimate payments connected to XXXXl activity related to XXXX. I am requesting documentation supporting the alleged loss and the return of the {$2900.00} if the deduction was made in error plus interest for holding my money up to XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
In late 2023, XXXX XXXX XXXX XXXX ran multiple unauthorized hard inquiries on my credit report without written consent, far exceeding what is required to originate the loan. The associated debt was already deleted by XXXX, yet XXXX XXXX and the credit bureaus continue to report it inaccurately. By doing this, they are willfully violating FCRA 605B, 609, 611, 623, TILA, EOCC, EOSCAR, and other federal and state consumer protection laws. Their continued reporting of a deleted account has caused denial of personal and business credit, financial damages, and emotional distress, and may constitute discriminatory practices by obstructing lawful access to credit. I am requesting immediate correction of all credit reporting, removal of unauthorized inquiries, and full compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Requested a paid/closed account removed from Credit Reports [ 3 ].

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 2026-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Nelnet is reporting inconsistent and contradictory payment histories across XXXX XXXX and XXXX, which raises serious concerns regarding compliance with the Fair Credit Reporting Act and XXXX XXXX reporting standards. Is Nelnet not required to comply with the Fair Credit Reporting Act and report accurate information to credit bureaus, or are they somehow exempt from the law that applies to every other furnisher of credit data? Under FCRA 623 ( a ) and FCRA 607 ( b ), furnishers must report information with maximum possible accuracy. However, the same account is reporting different payment histories across the credit bureaus, which indicates inaccurate and unreliable reporting. XXXX Reporting Issues XXXX shows : XX/XX/XXXX UN ( unknown/ not reported ) XXXX XXXX OK ( on-time payments ) XX/XX/XXXX UN ( no data reported ) XXXX XXXX OK XX/XX/XXXX UN XXXX XXXX OK XX/XX/XXXX UN XXXX XXXX OK XX/XX/XXXX XXXX late reported XX/XX/XXXX XXXX late reported XX/XX/XXXX XXXX late reported This timeline is inconsistent because multiple months show no data reported ( UN ) between months that show on-time payments XXXX XXXX Reporting Issues XXXX reports a significantly different history : UN reporting across multiple months XX/XX/XXXX XXXX late reported XX/XX/XXXX XXXX late reported XX/XX/XXXX XXXX late reported XX/XX/XXXX no data reported XXXX XXXX continuous XXXX late reporting This differs significantly from XXXX reporting timeline. XXXX XXXX XXXX XXXX shows yet another variation : XX/XX/XXXX XX/XX/XXXX UN XXXX XXXX OK payments reported XX/XX/XXXX XXXX XXXX XXXX OK XX/XX/XXXX UN XXXX XXXX OK XX/XX/XXXX XXXX XXXX XXXX OK XX/XX/XXXX 90-day late reported XX/XX/XXXX XXXX late reported XX/XX/XXXX 120-day late reported XXXX XXXX continuous 120-day late reporting Major Reporting Problems These reports contain multiple discrepancies : Different payment histories across all three bureaus Months with UN reporting between months reported as on-time Different timelines for the same alleged delinquency Inconsistent reporting of when the account became 90-day or 120-day delinquent If the account truly became delinquent, the delinquency timeline should match across all credit bureaus. The inconsistent reporting indicates the data being furnished is unreliable. This raises concerns under : FCRA 607 ( b ) Maximum possible accuracy FCRA 623 ( a ) Furnisher responsibility for accurate reporting FCRA 611 ( a ) Requirement for reasonable investigation after dispute XXXX XXXX reporting standards requiring consistent and accurate furnishing of payment histories.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I accumulated {$770.00} in cash rewards through a credit card rewards program. The credit card account was closed on XX/XX/year>. There was no fraud, misuse, or violation of the account terms. On XX/XX/year>, I contacted the company regarding redemption of my accumulated rewards and was informed by a representative that the {$770.00} in cash rewards would be issued. I later received a written response stating that the rewards were forfeited because the account had been closed and that my request to redeem the rewards would not be processed. I believe this forfeiture is improper because under New York General Business Law 520-e, when a credit card account or rewards program is closed or terminated, the consumer must be provided a 90-day period to redeem accumulated reward points unless there was fraud or misuse, which did not occur in this case. I am requesting that the company honor the redemption of the {$770.00} in earned rewards.

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