vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint against LVNV Funding LLC for failure to properly validate an alleged debt and for reporting inaccurate and unverified information to the credit reporting agencies. On XX/XX/year>, I sent a formal Debt Validation request pursuant to the Fair Debt Collection Practices Act. The collector either failed to respond within the required time frame or provided an insufficient response that does not meet federal standards for validation. The information provided, if any, only included basic account details such as the original creditor name, balance, and/or partial payment history. This does NOT constitute proper validation of a debt. The collector has failed to provide : A copy of the original contract or agreement bearing my signature A full chain of title showing legal ownership of the debt A complete and itemized accounting of the alleged balance Despite this failure, the account continues to be reported to the credit bureaus, which is a violation of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy, and 15 U.S.C. 1681s-2 ( b ), which requires proper investigation of disputed information. Additionally, continuing collection activity without proper validation is a violation of 15 U.S.C. 1692g ( b ) of the FDCPA. I have also disputed this account with the credit reporting agencies, and this matter remains unresolved. At this point, this account is unverified and inaccurate, and its continued reporting is causing harm to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 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: WI

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CO

Complaint narrative:
On XXXX the landlord of a rental properly contacted me in regards to a rental property available at address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. We set up a viewing time of XXXX on XX/XX/year>. After viewing the property, The landlord named XXXX XXXX XXXX sent me an application form from the website- https : XXXX after filling out the application we were approved and sent a lease agreement. We signed the lease agreement and were informed we needed to send the security deposit through Chime. He has his secretary by the name of XXXX XXXX request the amount of {$500.00} since that is the max that Chime allows for first time users. After sending the money, we got suspicious of the landlord because he became very pushy on sending the rest of the money. On XX/XX/year> at XXXX I called the Chime customer service line and they informed me that I could file a dispute as long as I filed a police report. On XX/XX/year> we filed a police report with the XXXXXXXX XXXX XXXX XXXX at XXXX on XX/XX/year> and Chime changed the story about the dispute and stated I was not able to file a dispute after all. I am very frustrated because I was given conflicting information from two different employees at Chime. I am filing the complaint in hopes of getting this resolved and retrieving my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Good evening, CFPB, I respectfully ask that you carefully review these complaints I have addressed and the response submitted by Caine & Weiner before I proceed with escalating this matter through formal legal channels. Thank you for your attention and prompt consideration. To Whom It May Concern : I am in receipt of your response stating that you completed your investigation, believe the information is accurate, previously mailed verification on XX/XX/year>, and noted the dispute on my account. Your response is conclusory and does not provide the documentary basis for your determination. Merely stating that an account was verified is not the same as providing competent proof that I owe the alleged debt, the amount claimed is accurate, or that your furnishing to consumer reporting agencies is complete and compliant. As of the date of this letter, I have not received the alleged verification you claim was mailed on XX/XX/year>. Accordingly, I demand that you provide the following : A complete copy of the exact verification you claim was mailed on XX/XX/year>. The full address to which it was allegedly mailed. The name of the original creditor. A complete itemization of the balance, including principal, interest, fees, and any other charges. Copies of the contract, application, statements, or other competent business records you rely upon to claim I am legally obligated for this debt. Proof of your authority to collect, including any assignment, transfer, or bill of sale if this account was acquired from another entity. Confirmation of each consumer reporting agency to which you are furnishing this account. Confirmation that the account is being reported as disputed to every consumer reporting agency to which you furnish. A copy of the exact account information currently being furnished, including balance, dates, account status, and identifying account information. Please be advised that a vague assertion that you believe the information is accurate is insufficient. If you can not substantiate the alleged debt with competent documentation, then you must immediately cease furnishing this account and request deletion of the tradeline from all consumer reporting agencies. This compliant also serves as notice that I dispute the completeness and accuracy of any information you are furnishing regarding this account. If you continue to furnish information, it must be reported with the proper dispute notation and must be fully supported by competent records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
Dear NCA I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. XXXX. Proof that the original creditor securitized the debt. XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: OneMain Finance Corporation
State: WI

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo used its Wells Fargo ( XXXX XXXX XXXX version ) app to advertise a " Wells Fargo XXXX '' offer where 20 % cashback was to be awarded for Wells Fargo debit or credit card purchase at a dining business if you activate the deal in the Wells Fargo app ( XXXX XXXX XXXX version ). The terms and conditions on the Wells Fargo XXXX XXXX XXXX app deal did not state that my Wells Fargo XXXX XXXX credit card was ineligible for this offer. So I activated the deal on XX/XX/year>, completed a {$50.00} XXXX dining purchase on XX/XX/year>. The offer expired on XX/XX/year>. I did not receive the cashback. I called and inquired. Apparently, this offer was not applicable for my " co-branded '' Wells Fargo XXXX XXXX credit card, which was per Wells Fargo 's offline terms and conditions, in conflict of the Wells Fargo XXXX shown on my XXXX XXXX XXXX app. Due to confusion and what appears as false advertising through the Wells Fargo XXXX XXXX XXXX app deals terms and conditions of the dining deal, I should be given a {$10.00} cash back since Wells Fargo influenced me to make a purchase that I otherwise would not have.

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 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, I was the victim of a sophisticated bank impersonation and government impersonation scam that resulted in a loss of {$190000.00}. I am filing this complaint because Wells Fargo failed to protect me in multiple ways and, when I reported the fraud, failed to open a formal fraud investigation as required. What happened : I received a call from someone posing as a Wells Fargo representative, then a second person posing as an FBI agent. I was told my branch was under investigation for internal fraud, and I was pressured and threatened with legal consequences into going to my branch, withdrawing {$19000.00} in cash, and handing it to an unknown courier in the parking lot. During the call, the fraudster accessed my account, moved funds between my own accounts to simulate a {$20000.00} deposit, and triggered a bank-issued verification code that I read back to them. Wells Fargo 's failures : The branch teller processed a {$19000.00} cash withdrawal without apparent fraud screening questions, despite this being a highly unusual transaction. The fraudster had unauthorized access to my account balances and was able to move money between my accounts and trigger verification codes. I do not know how this access was obtained and Wells Fargo has not explained it. When I reported the fraud to Wells Fargo, I was told " nothing could be done. '' To my knowledge, no formal fraud investigation was ever opened. I am requesting that the CFPB compel Wells Fargo to : ( XXXX ) open a formal fraud investigation ; ( XXXX ) provide a complete account access log for XX/XX/year>. ( XXXX ) explain how unauthorized access to my account was obtained ; and ( XXXX ) provide written determination of any restitution owed. A police report has been filed with XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. I have also sent a formal written complaint to Wells Fargo XXXX XXXX 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 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I purchased a vehicle as a full cash transaction for {$40000.00} and explicitly declined financing multiple times. Despite this, the dealership submitted a credit application without my knowledge or consent, and TD Auto Finance accessed and used my consumer reports and approved the application. No loan account was ever opened. As a result, approximately 14 unauthorized credit inquiries appeared on my credit reports. I disputed these inquiries, and some were later removed, including the TD Auto Finance inquiry. TD confirmed that it received and approved an application but failed to provide any copy of the application or evidence of my authorization. I submitted multiple written requests and an Identity Theft Report requesting records under FCRA 609 ( e ), but TD refused to provide the requested documentation, claiming it was confidential. This matter involves unauthorized use of my credit information, failure to verify permissible purpose, and failure to provide required records. For full details, please see the attached complaint narrative and supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: KEYCORP
State: WA

Complaint narrative:
I paid off my home equity line of credit. Its been more than 60 days paid off. I am requesting my signed and notarized documents for reconveyance so I may go to the county and pay the reconveyance fee myself since keybank wants to charge me {$600.00} to do it when it costs {$300.00} at XXXX XXXX. They are refusing to send the documents and claim that its because my balance is not paid off, as they added the {$600.00} reconveyance to the loan without my knowledge or consent and then claim its not paid in full. Its shady and I just want my documents as per Washington state law. Its causing me financial harm as I am wasting for this XXXX release to close a new heloc with someone else to fund the doin paying for my new home loan but they are holding up the whole process by refusing to give me the documents I am allowed to request by Washington state law. Its been more than 60 days paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
Citibank is currently holding {$390000.00} belonging to my company, XXXX XXXX XXXX XXXX, in ledger status for over three months without resolution. On XX/XX/XXXX, my company received a legitimate wire transfer of {$390000.00} from a U.S. customer as payment for electronic goods. On XX/XX/XXXX, I attempted to send {$180000.00} to my supplier in XXXX to fulfill the order, but the transfer was returned. Shortly after, Citibank restricted and closed my account. Representatives confirmed that the funds remain in ledger status under internal review. The funds have not been returned to the sender and no cashiers check has been issued. In XX/XX/XXXX, I visited a Citibank branch and spent several hours with the branch president attempting to provide documentation, but my documents were not accepted. A case was opened under reference number XXXX. Despite my efforts, the funds remain held with no clear resolution. I have attached a complete transaction verification package demonstrating the legitimacy of the funds and request that Citibank complete its review and release the funds.

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 2026-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I made the payment on time. These entries do not reflect my true payment history, and I will not accept false reporting that damages my credit profile.

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 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
My account was closed by U.S. Bank approximately two months ago. At the time of closure, I had a remaining balance that the bank stated would be sent to me by check. To date, I have not received my funds. When I contacted the bank, I was told that the check has not been issued because they do not know the amount to send, as the account is still under internal review. This is unacceptable. A bank can not close an account and then indefinitely withhold a customers funds without providing the balance or a clear timeline for payment. In addition, I previously reported multiple unauthorized debit card transactions. Under the Electronic Fund Transfer Act ( Regulation E ), the bank is required to conduct a proper investigation and provide evidence supporting any denial. My claim was denied without sufficient explanation or documentation. The fact that the account remains under review raises serious concerns about the accuracy and legitimacy of the banks investigation. I am requesting the immediate release of all funds owed to me, including my remaining account balance and the full amount of the disputed unauthorized transactions, along with a clear explanation and supporting documentation. If this matter is not resolved promptly, I will pursue legal action.

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 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I disputed two accounts reported by Portfolio Recovery Associates in XX/XX/year> and requested full validation. I asked for a signed agreement, chain of assignment, and itemized balance. The company responded but only provided limited documents that do not establish ownership or the accuracy of the amounts. One account is also time-barred, as the company stated it will not pursue legal action due to age. Additionally, the accounts are reported inconsistently across credit bureaus, with missing original creditor information on Experian. These accounts remain inaccurate and unverifiable, and I am requesting deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: Self Financial Inc.
State: TN

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: Affirm Holdings, Inc
State: DE

Complaint narrative:
I am extremely concerned because this company appears to be violating my rights under federal law. Pursuant to 15 U.S.C. 1681s-2 ( a ), data furnishers are legally obligated to report only information that is accurate and complete. The reporting of unverifiable, misleading, or inaccurate information constitutes a serious violation of the Fair Credit Reporting Act and can not be ignored.

Company response to consumer: Closed with explanation