vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Recovery Bureau LLC
State: FL

Complaint narrative:
I am filing a complaint regarding collection attempts by Asset Recovery Bureau LLC related to an alleged account with XXXX XXXX ( Account Number : XXXX ). I do not recognize this debt and have never opened, authorized, or had any contractual relationship with XXXX XXXX or any associated XXXX XXXX. I believe this may be the result of identity theft or a credit reporting error. I have received email communications from Asset Recovery Bureau LLC attempting to collect on this account and encouraging me to establish a payment plan. These communications were sent without providing any documentation or proof that I am legally responsible for this debt. Additionally, I have received correspondence from XXXX XXXX on XX/XX/year> stating that this account was sold to a XXXX XXXX and that they are unable to provide payment history or account details. This indicates that the original creditor can not validate the debt. Despite this, Asset Recovery Bureau LLC continues to attempt collection without providing proper validation of the debt. I have disputed this account with XXXX, where it is currently being reported, and I have requested validation directly from the collection agency. Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to provide validation of a debt upon request and must cease collection efforts until such validation is provided. To date, no sufficient validation has been provided. I am requesting the following : * Immediate cessation of all collection efforts * Full validation of the alleged debt, including any original signed agreement * Removal of this account from my credit report if it can not be properly verified * Written confirmation that this account will no longer be reported or pursued This attempt to collect on a debt that is not mine, without proper validation, is causing harm to my credit and unnecessary distress. I respectfully request a full investigation into this matter and appropriate corrective action. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MO

Complaint narrative:
XXXX XXXX I was sending money to my son XXXX XXXX. I opened my chime account an pushed pay the name XXXX XXXX showed up first so I thought it was him. I have sent him money a lot of times b for. After I sent it my son said mom you sir you sent the money to me, I replied it's an I said to him it says XXXX XXXX. My son then replied mom you sent that to the wrong person. That's not me. I then immediately tried to stop it an could not it would not give me that option. So I then contacted chime to dispute the Trans action. I filed a dispute. I also sent them photo shots of the person I sent out to an if my sons chime name. Chime denied my. Claim saying they didn't find any thing wrong with the Trans action i had sent. The person I sent the money to eat XXXX XXXXXXXX my sons name on chime to receive money is XXXX XXXXXXXX I explain XXXX today when I called to file a complaint against the investigation team at chime they did not look at the claim good enough or they would have seen I have Never Ever sent that XXXX XXXX -- 1 any thing he's not in my contacts he lives in XXXX. We live in XXXX I have sent 2 messages to that person asking for them to return my money an no answer back. Today XXXX chime tells me they can't do any thing more because my dispute was denied all they can do is send me a copy of there findings. Well if you look back on my teams actions through out the years I've been with chime you'll see i have never sent money to that person ever. An I feel chime should send me back the XXXX dollars I'm out for an accident an that prison probably doesn't even exist. So I'm still trying to get my money back by doing this hoping some one will look at the 2 names an see there is no way they are the same person an see also i have never sent money to the other person.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
Transaction Date : XX/XX/2026 Amount : {$75.00} Company : Block, IncXXXX ( Cash App ) On XX/XX/XXXX, I placed an order with a merchant calling themselves " XXXX XXXXt '' on the Shop App. Within hours, I realized the store was fraudulent ( using a personal outlook email : XXXX ) and sent a formal cancellation request at XXXXXXXX XXXX. The merchant ignored my request and shipped the item anyway. I followed up again on XX/XX/XXXX requesting a return label, which was also ignored. I have disputed this twice through Cash App, and they have denied me both times despite clear evidence that I revoked authorization for this charge before it was processed. It is now XX/XX/XXXX, and I am still being forced to pay for a counterfeit item from an unresponsive, fraudulent seller. Cash App is failing to protect me from documented merchant fraud. I am seeking a full refund of {$75.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Orion Capital Solutions LLC
State: AR

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX from Orion Capital Solutions called me while asleep and didn't answer and no voice-mail was left. I was then contacted by my son 's girlfriend and my sister stating that she called both of them as well stating that their numbers were given to her as direct numbers for me. Which is untrue. She had already called me and knew my number and I don't give out anyone else 's phone number other than my husband 's as an emergency contact only. I proceeded to call XXXX and spoke to the case worker and she admitted to calling them and I advised to stop, gave her my phone number again, and advised to no longer call and all further communications must be done by mail. This morning, I received another call from her and I didn't answer. She then proceeded to call my step father stating the same as before, that his number was what she had for my direct number. I called XXXX again with XXXX and explicitly stated my name, date of birth, my phone number, and address and told her once again do not call me or anyone else and all the further communication must be by mail only. This is absolute harassment and illegal practices. She clearly had my phone number and continued to contact other people and still doing so after I verified my information and stated once again, all communication moving forward must be by mail only.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I called credit card company number on back of card and company only have me for XXXX card. The card in questions has a larger credit amount than the one I have in my possession. Spoke with credit card company last month

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 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXXXXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I dispute this debt and request to be provided proper validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. The debtor failed to respond and provide : 1. The name and address of the original creditor. 2. A copy of the original signed contract or agreement bearing my signature. 3. Documentation showing that your company has legal authority to collect this debt ( proof of assignment or purchase ). 4. A complete payment history and itemized breakdown of the amount claimed, including interest, fees, and charges. 5. The date of default, date of charge-off, and date the debt was assigned or sold. 6. Documentation proving that the amount you are reporting to credit bureaus is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP
State: IL

Complaint narrative:
Issue : Unfair Credit Reporting / Account Management Practices I am submitting a new complaint regarding U.S. Banks handling of my credit account, as their prior response did not adequately address the concerns raised. U.S. Bank reduced my credit limit from {$24000.00} to {$500.00} citing inactivity. While I understand that issuers may adjust credit limits, this action was excessive, disproportionate, and effectively eliminated my available credit. The account was in good standing with no delinquencies. I was not provided advance notice or an opportunity to maintain account activity prior to this drastic reduction. This action caused a significant decrease in my available credit, negatively impacting my credit utilization and overall credit profile. Additionally, U.S. Bank has failed to explain why such an extreme reduction was necessary, rather than a reasonable or gradual adjustment. I am requesting : A formal review of this decision Consideration of a goodwill reinstatement or reasonable credit accommodation Assurance that consumers are not subjected to disproportionate actions that negatively impact their credit standing without justification

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 2026-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: LD Holdings Group, LLC
State: NC

Complaint narrative:
This loan with the Loan Depot has basically ruined my life. I did this refinance to help with payments but instead this made it worse. Information not disclosed properly. It was supposed to reduce payments including escrow but instead increased the total. I was struggling south previous payments do did this refinance to reduce. I was informed it would. It was also put solely in my name excluding spouse. I was also approved for a payment that was at least XXXX of my monthly take home pay. That is not sustainable. Please dont use the excuse I signed the closing documents. I did and wish I had not but I was ill informed. This has put extreme hardship on my family with risk of losing our home. It also highly increased our principal making it impossible to sell at any profit. We are now forced to sell due to this mortgage!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Coradius International LLC
State: VA

Complaint narrative:
Case closed in your favor We reviewed the case you filed on XX/XX/year> and have decided in your favor. We've issued a refund of {$450.00} USD to you on XX/XX/year>. It may take up to 5 days for this refund to be reflected on your XXXX account or bank. If you paid using a credit or debit card, the money will be refunded to your card. Depending on your card issuer, it can take up to 30 days for the refund to appear on your card statement. Dispute case ID XXXX Transaction amount {$810.00} USD Dispute amount {$450.00} USD Transaction date XX/XX/year> Seller name XXXX XXXX Transaction ID XXXX View Case Outcome This case is now closed. Thank you for working with us. XXXX Your refund is on the way You overpaid your Pay in XXXX plan for your XXXX XXXX purchase. We're sending you a {$99.00} USD refund to your account with XXXX. To maintain and use a XXXX balance, you need a XXXX Balance account. To see the status of your Pay in XXXX plan, just log in to your account with XXXX and go to Pay in XXXX. XXXX Your refund is on the way You overpaid your Pay in XXXX plan for your XXXX XXXX purchase. We're sending you a {$250.00} USD refund to your account with XXXX. To maintain and use a XXXX balance, you need a XXXX Balance account. To see the status of your Pay in XXXX plan, just log in to your account with XXXX and go to Pay in XXXX. Log In to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I submitted a fraud report to Capital One for charges that were made against my account while I was in transient to deployment ( XX/XX/year> ). During this deployment, I had XXXX cell-service and was unable to use debit/credit cards, due to XXXX cell tower coverage. I provided Capital One with all of the requested data, and they opened up an investigation ( XX/XX/XXXX ). Captial One closed the investigation after 4 days and stated there was insufficient proof that the charges were fraudulent. I asked for the findings and for Capital One to reopen the case, as I was physically unable to make charges at all during this timeframe. I had the exact same issue with my XXXX card and they resolved the issue without issue. Captial One is refusing to provide me with the findings of the investigation, nor are they allowing me to submit additional proof that I was unable to make the disputed charges. As of XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am filing this complaint because Wells Fargo Auto has refused to offer any temporary accommodation while my vehicle is in manufacturer custody due to a safetyrelated defect that makes it unusable. I own a XXXX XXXX XXXX, which experienced a complete dashboard and infotainment blackout at highway speed. The vehicle was taken to the authorized XXXX dealership, and XXXX XXXX instructed the dealership to keep the vehicle for an ongoing safety investigation and repair. The vehicle has remained in the dealerships custody since then and can not be driven. I have an active XXXX DMV Lemon Law case, and the vehicle must remain available for inspection. I also have a loaner vehicle issued by the dealership, confirming that the manufacturer acknowledges the defect and the vehicles nonuse. I contacted Wells Fargo and opened an internal complaint ( Case # XXXX ) requesting a temporary payment deferment or nonuse accommodation, since I can not use the vehicle and the situation is outside my control. I made it clear that this is not a financial hardship request. It is a nonuse situation caused by a safety defect and manufacturer custody. Despite this, Wells Fargo denied all options, including deferment, nonuse accommodation, and goodwill extensions. They stated that I do not qualify under their standard hardship policy, even though this is not a hardship case. They also acknowledged the unusual nature of the situation but still refused to offer any temporary relief. I am acting in good faith, have made all payments on time, and have provided full documentation. I am requesting CFPB assistance to ensure Wells Fargo reviews this case appropriately and provides a reasonable temporary accommodation while the vehicle remains unusable and in manufacturer custody.

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 2026-04-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I received a notification that my Bank of America credit card had been used at XXXX in XXXX, XXXX XXXX for a charge of {$850.00}. I did not authorize this transaction and was in my apartment in XXXX XXXX XXXX at the time, with the card in my possession. This incident occurred shortly after I had received a replacement card due to a prior fraudulent attempt involving a charge of just under {$6000.00}. In that earlier case, the transaction was declined multiple times and did not go through. However, in this instance, the fraudulent charge was successfully processed. I immediately contacted Bank of Americas fraud department to report the unauthorized transaction, and they blocked my card and account. After an investigation lasting over a week, the bank denied my claim. In their written response, they stated that the physical card was used, the chip was read, a PIN was entered ( I do not have a PIN set up for this card ), and a signature was obtained. Based on this, they concluded that I or someone known to me authorized the transaction. This conclusion is incorrect. I have not shared my card or account information with anyone, and I did not authorize this charge. Furthermore, the last time a physical card linked to this account was used, it was also associated with fraudulent activity. This suggests a potential pattern of card compromise or cloning. I rarely use this credit card for in-person transactions and can provide account statements showing that I primarily use a different credit card for purchases. Despite this, the bank has not provided sufficient detail or evidence to support its conclusion, and I have had difficulty obtaining clear information. Additionally, contacting the bank has been time-consuming and challenging.

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 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I applied for a loan modification it was approved after a few months. I received statements that no payment was due for XXXX or XXXX months. I called Wells Fargo a representative confirmed this was correct no payments due. I received a statement later showing I was XXXX or XXXX payments behind. I mailed a certified letter. They investigated and said it was an error my loan was then sold to XXXX XXXX after XXXX years. I have paperwork and mailed them the statements. Now Im behind on my mortgage after filing for a modification.

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 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
Over the same network ( SOL ) I sent USDC to a PYUSD address. The blockchain confirms the transaction was successful. Solana network has the same address for every different type of token. When I sent my funds, I called PayPal, only to get gaslighted for a substantial amount of time over the phone that what I did caused my funds to be permanently lost. This is not how the Solana network works. My funds are there on PayPal 's side, and they are refusing to provide information on the transaction, or elevate to people that can actually reverse/convert the funds to something visible on PayPal 's side ( like USDC ) . You can verify it went through here : https : XXXX

Company response to consumer: Closed with explanation