vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Asset Recovery Solutions, LLC
State: PA

Complaint narrative:
I am filing this complaint against Asset Recovery Solutions , LLC, who is attempting to collect an {$14000.00} debt that was originated through fraudulent and deceptive practices by XXXX XXXX XXXX XXXX. In XXXX, I took out a private student loan through XXXX XXXX to attend the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX deceived me by misrepresenting that they had vetted the program for quality and graduate outcomes, and failed to properly disclose the full cost of my loan including origination fees. On XX/XX/XXXX, a federal court entered a stipulated final judgment against XXXX XXXX, finding that they violated the Consumer Financial Protection Act, the Truth in Lending Act, and Regulation Z. Climb Credit was ordered to pay {>= $1,000,000} in redress to harmed borrowers and a {$950000.00} civil penalty. I am a directly harmed borrower under this ruling. Despite this federal court ruling, XXXX XXXX sold my debt to Asset Recovery Solutions , LLC, who is now threatening legal action against me to collect a debt that was originated through federally adjudicated fraud. Asset Recovery Solutions has continued aggressive collection activity including threatening to take me to court, without providing proper debt validation or disclosing the legal history of this debt. I am formally requesting the following relief : 1. That the appropriate authorities investigate this matter and order Asset Recovery Solutions to immediately cease all collection activity on this fraudulently originated debt. 2. That this debt be fully cleared, XXXX, and removed from my account entirely, as it was originated through practices that a federal court has already found to be deceptive and unlawful. 3. That all negative credit reporting related to this account including any entries made by XXXX XXXX, its loan servicer UAS, and Asset Recovery Solutions be permanently deleted from my credit report at XXXX XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> SSN Last XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Violation of Privacy Rights and Dispute Under FCRA To Whom It May Concern, I am writing regarding a violation of my privacy and confidentiality rights, as protected under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq ). After reviewing my consumer credit report, I have identified the following accounts that may have accessed, reported, or furnished my credit information without a permissible purpose and without my explicit authorization : Accounts in Dispute : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX These accounts appear on my credit report without clear evidence of a permissible purpose, raising serious concerns under 15 U.S.C. 1681b ( Permissible Purpose of Consumer Reports ). Additionally, certain information associated with these accounts appears to be inaccurate, incomplete, or unverifiable. Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain maximum possible accuracy. Any information that can not be properly verified must be removed. Furthermore, pursuant to 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of disputed information. I hereby request the following : Conduct a reasonable investigation into the above-referenced accounts Provide documentation demonstrating the permissible purpose for reporting these accounts Provide the name, address, and contact information of the original furnisher Provide the complete method of verification used to validate these account ( s ) Remove any account that can not be verified as accurate, complete, and authorized Failure to comply with these requests will constitute negligent or willful noncompliance under the FCRA. I am prepared to escalate this matter through formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and to pursue all available legal remedies. I have enclosed copies of my identification and proof of address for verification purposes. Please provide written confirmation of the results of your investigation within the required statutory timeframe. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WLCC
State: MI

Complaint narrative:
I have already filed a complaint against Explore Credit this past XXXX and it was closed. In the response from Explore Credit it says that I no longer owe the debt because it was discharged in bankruptcy. They even include my bankruptcy case number. Today I received a text message that I needed to start paying because of an agreement I signed prior to bankruptcy. Thankfully I knew that this was wrong and they were illegally trying to collect money from me. They broke a federal law because they take advantage of people who do not know any better. I was harassed for months after I filed bankruptcy and was waiting for discharge. The harassment only stopped because I filed a complaint with CFPD. This has been an ongoing issue that hasnt really been resolved because they waited until they thought enough time had passed for me to fall for this illegal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Lincoln Educational Services Corporation
State: CT

Complaint narrative:
The company is reporting inaccurate information on my credit report, which is negatively impacting my credit score. I became aware of this issue recently and reviewed the account details, which do not accurately reflect my records. I have made efforts to address this by reviewing my payment history and monitoring my credit report, but the inaccurate information remains. As of now, the account is still being reported incorrectly, including details related to balance/payment status. I am requesting that the company thoroughly investigate this matter and either correct the inaccurate information or remove the account entirely if it can not be properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates is reporting a collection account on my credit report in the amount of {$970.00} claiming the original creditor is XXXX XXXX. This account was opened by Portfolio Recovery Associates on XX/XX/2025. Portfolio Recovery Associates is a debt buyer meaning they purchased this alleged debt from XXXX XXXX. rather than being the original creditor. I have never received complete debt validation documentation from Portfolio Recovery Associates as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Portfolio Recovery Associates has not provided the following documentation required to validate this debt : Proof they are licensed to collect debts in Texas Complete chain of title showing every transfer of this debt since origination with XXXX XXXX. A copy of the original signed credit agreement Complete account history showing the original balance and all charges Proof that the amount of {$970.00} is accurate and legally owed Debt buyers frequently do not retain complete original creditor documentation. Without this complete documentation this debt can not be considered validated under the FDCPA or FCRA and should not be reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint because the consumer reporting agency continues to report information on my credit file without establishing a valid permissible purpose, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. I have not provided any written authorization, instruction, or consent allowing the collection, use, or disclosure of this information. Despite prior disputes, the agency has failed to provide sufficient evidence to support its authority to report these items, which I assert are unauthorized, unverified, and inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 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: Skrill USA, Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding the withholding of approximately {$17000.00} in funds by Paysafe [ XXXX XXXX and XXXX to follow ] related to my business, XXXX XXXX XXXX. My account was opened on XX/XX/year>. Since that time, I processed approximately XXXX legitimate transactions for event ticket sales tied to events that have already occurred. Despite these transactions being successfully processed, I have not received a single deposit. Paysafe requested verification for only XXXX transactions out of approximately XXXX total transactions. I fully complied and provided detailed supporting documentation, including customer information, billing details, and proof of service delivery through XXXX code scans and timestamps confirming event attendance. All transactions were legitimate and services were fully rendered. Following the initial review request, I was encouraged by the company to continue processing transactions and was advised that the review would take approximately XXXX business days. On the third business day, I received a verbal commitment from a manager at XXXX XXXX stating that Paysafe Risk Department indicated funds would be released before the end of business day. Despite this, the release was delayed repeatedly while additional transactions continued to be processed. After multiple follow-ups and continued assurances, I was ultimately informed that my account would instead be shut down and that ALL funds would be held for up to XXXX days. If there were concerns regarding the ( XXXX ) transactions in question, there were commercially reasonable alternatives available, including placing a reserve only on those specific transactions or a limited portion of funds. Instead, the company chose to withhold 100 % of funds without justification, which appears excessive and disproportionate. As of today, they continue to process payments through my platform while withholding all funds, placing my business in a severely compromised financial position. As a small business, this is causing immediate and ongoing financial harm. This conduct appears arbitrary, lacks transparency, and raises serious concerns regarding unfair or deceptive practices, particularly given that I relied on their representations to continue processing transactions. I have made multiple attempts to obtain a clear explanation and resolution, but the company has failed to provide meaningful answers or identify any specific contractual violation. I am requesting the immediate release of my funds or a detailed explanation supported by specific contractual provisions and risk criteria used to justify this action. This matter requires urgent regulatory review due to the ongoing financial harm being caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Called by phone and spoke to a rep about ways to reduce or split payments vehicle has been repo and sold

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo has allowed scammers to get into my account twice in XXXX days. I as of today can not log in to my account to check credit cards, checking accounts, savings accounts.I was told to change my password and try again. First try I was told account locked due to suspicious activity. Changed password and this time I got the message " System not available ''. If you call customer service you have to wait on hold for XXXX to XXXX minutes then you get someone that does not know how to fix this. Then I get transferred around to another department and wait on hold. I have been trying to access my account for over a week now to no avail. I have tried everything I can think of. I will not call customer no service again. I have waisted endless hours on the phone since this all started around XX/XX/XXXX of XXXXThey have changed my checking account twice now and that has created a major problem for me and my creditors getting paid. I sat in XXXX of wells fargo offices for over XXXX hours XXXX day and I thought for sure they would know what to do. However they didn't and they called online customer no-service and waited on hold. How pathetic is wells fargo. I have been with them for over XXXX years and never had a problem until this happened and I found out real quick they have TERRIBLE SECURITY and no one that knows how to fix this ..................................

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 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
A cosigned a vehicle lease with my daughter with the time was XXXX XXXX XXXX and in college. The terms of the lease for XXXX years were met and paid in full without being late. She did go over on mileage, which I paid in full and then was hit with a disposition fee that I disputed with the dealership and Ally financial. Ultimately Ally Financial sent me a settlement offer for {$260.00} which I paid in full and they still continued to request money after cashing my check. Ally Financial customer service placed me on hold for many hours to never give me a explanation as to why they still requested money after sending and cashing my check on their settlement offer how these people are permitted to do business is discouraging and criminal.

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 2026-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ENOVA INTERNATIONAL, INC.
State: MI

Complaint narrative:
I received XXXX my payments back XXXX bank put stop payments onmy account so I was calling my payments in from my XXXX account net credit received the payment in the month of XXXX, the following month I called the payment in but they didn't receive the payment my original loan is for {$2500.00} I checked my account with net credit now netcredit is asking for {$5000.00} for my payments installments so I don't want to pay until they fix my account correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am filing this complaint against Chime ( account ending in XXXX ) regarding Claim ID XXXX, a dispute for {$280.00} in unauthorized charges, as well as a related pending dispute for {$100.00}. On XX/XX/year>, my Chime card ( ending in XXXX ) was used without my authorization in what appears to be a coordinated multi-state business registration fraud scheme. The following transactions occurred within approximately XXXX hour : {$70.00} XXXXXXXX XXXX XXXX XXXX ( XXXX Division of Corporations ) SETTLED {$70.00} XXXXXXXX XXXX XXXX XXXXXXXX SETTLED {$70.00} XXXXXXXX XXXX XXXX XXXXXXXX SETTLED {$70.00} XXXXXXXX XXXX XXXX XXXXXXXX SETTLED {$100.00} XXXX XXXX XXXX ( XXXX Secretary of State, XXXX XXXX ) SETTLED {$220.00} XXXX Sec Of State Corp ( XXXX XXXX Secretary of State ) DECLINED ( insufficient funds ) {$70.00} XXXX XXXX XXXX XXXXXXXX DECLINED ( insufficient funds ) I did not authorize any of these transactions. The pattern multiple charges to Secretary of State offices across XXXX, XXXX, and XXXX XXXX within XXXX hour is consistent with a scheme to register fraudulent business entities using my payment information. The XXXX declined transactions confirm the fraud continued until my account was drained. Timeline of my dispute efforts : XX/XX/year> Dispute filed with Chime for {$280.00} ( Claim ID XXXX ) XX/XX/year> Chime denied the dispute with no written explanation or reason code XX/XX/year> I called Chime and spoke with representative XXXX to request escalation XX/XX/year> Chime emailed an evidence packet with no written decision, no denial reason code, and no resolution. Email arrived XXXX days after my escalation call. XX/XX/year> Second dispute for {$100.00} ( XXXX XXXX XXXX ) remains pending Chime has not explained how their evidence supports denying my claim, nor have they acknowledged the broader fraud pattern visible in their own evidence packet. Their denial leaves me {$380.00} out of pocket from transactions I did not authorize. I am requesting : 1. A written decision with a specific reason code for the denial of Claim ID XXXX 2. A full re-investigation of both disputes in light of the multi-state fraud pattern 3. A refund of {$280.00} for the settled unauthorized XXXX charges 4. A fair investigation of the pending {$100.00} XXXX dispute I have documented every step of this process and am prepared to provide supporting materials upon request. Also, worth noting, in my correspondence with Chime, my name was misspelled. I would expect better handling of such an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I deposited my girlfriend work check into my account I didn't know I can't deposit a check that is not in your name, so city Bank lock my account and they will close it after XXXX days but I asked what happened with the money form the check, they said is was deposited to your account but you can't get it..... So they said I have to contact the original owner of that check ( my girlfriend 's boss ) We did he call his bank and they said we can't do nothing about it because the check has been deposited already. So I don't know what else can I do since City Bank are giving wrong info. They just don't want me to get my money back

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 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MO

Complaint narrative:
am formally disputing this account because it was charged off and subsequently sold to another creditor, yet the original creditor continues to report an outstanding balance. Once a debt has been sold or transferred, the original creditor should update the account to reflect a XXXX balance, as they no longer own or have the legal authority to collect the debt. Reporting a remaining balance after the transfer is inaccurate, misleading, and negatively impacts my credit profile. Additionally, I am requesting a full investigation and verification of this account, including documentation supporting the accuracy and completeness of the information being reported. Specifically, I am requesting verification of the date of first delinquency, documentation showing the chain of ownership and transfer of the debt, and confirmation that the reported balance is accurate and consistent across all reporting agencies. Any discrepancies in these areas would indicate inaccurate reporting. If the information provided can not be verified as accurate, complete, and consistent with the Fair Credit Reporting Act, I request that this account be removed entirely from my credit report. Please conduct a thorough investigation and provide written confirmation of the results. If the account can not be properly validated, I respectfully request deletion from all reporting credit bureaus to ensure my credit file reflects accurate and fair information.

Company response to consumer: Closed with explanation