vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 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: OK

Complaint narrative:
I am filing this complaint regarding inaccurate and duplicative credit reporting by LVNV Funding, LLC, related to an alleged XXXX XXXX XXXX account. 

I have only ever had one XXXX XXXXXXXX XXXX credit card. However, LVNV Funding is reporting two separate collection accounts associated with XXXX XXXX XXXX, each reflecting different balances, despite originating from the same alleged debt. 

Reporting the same debt multiple times with different balances by the same collection agency is misleading and inaccurate. I have never opened, authorized, or agreed to more than one XXXX XXXXXXXX XXXX account, and there is no legitimate basis for LVNV Funding to report multiple collection tradelines for a single original creditor.

This reporting violates the Fair Credit Reporting Act ( FCRA ) requirements for accuracy and completeness. At minimum, LVNV Funding must clearly demonstrate that these are two distinct and valid debts, which would require : Proof of two separate original XXXX XXXXXXXX XXXX account agreements, Proof of lawful ownership of each alleged debt, and A clear accounting explaining why different balances are being reported for the same original creditor. 

If LVNV Funding can not provide this documentation, then one or both of these collection accounts are being reported inaccurately and must be deleted immediately from all consumer reporting agencies.

I am requesting that the CFPB investigate this matter and require LVNV Funding to correct or remove the inaccurate duplicate reporting in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
we purchased our home end of XXXX in XXXX. On XX/XX/XXXX, the VA made me 100 % XXXX which in Texas means no property taxes and essentially no more escrow which means our payment amount should be going down drastically. i got everything filed with the county and they said they would send me a letter to give to my mortgage company. i sent the letter to UWM when i received it on XX/XX/XXXX and they message back and said it would take 12 days to process. they overpaid our taxes instead of the prorated amount on XX/XX/XXXX. escrow and tax overpayments were refunded except for one. it has now been 58 days and our payment amount has still not been adjusted. i have called over XXXX times, my husband has called, multiple tickets have been routed up, it has been sent to escalation and a supervisor. every single person has a different excuse or a different story why it hasn't been completed or just says they don't understand why it hasn't been completed because everything is there. i keep being told it'll take 24-48 hours and it'll be processed and it still hasn't. escalation keeps transferring me for me to be told i have to wait 24 hours for a callback and keeps sending me to the " wrong department '' so they just keep routing call request to avoid speaking with me or solving this problem. yesterday was the first day i got a call back out of the 59 days this has been happening and now they are saying they can't give me an answer until XX/XX/XXXX which makes no sense at all. i spoke with the tax office. they said everything on their end is correct and has been routed to everyone it needs to be routed too so there's no reason for the delay. i keep being told by uwm that they spoke with the tax office and i don't have the exemption but the tax office said they have not spoken to anyone from a mortgage company and never do and that there is no other tax office that handles exemptions or property taxes. i do not understand the stalling and complete lies other than them trying to pocket our money. we can not pay our XXXX payment until this is fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: UT

Complaint narrative:
I am disputing false and misleading representations made by IC System regarding an alleged medical debt they are attempting to collect on behalf of XXXX XXXX. 
The alleged balance ( approximately {$25000.00} ) is composed of multiple hospital encounters with different dates of service in XX/XX/year> and XX/XX/year>. These were originally hospital encounter numbers, not finalized patient debts. IC System converted those encounter numbers into collection account and placement numbers, aggregated them into a single balance, and represented the total as a valid and immediately owed debt. 
IC System states that XXXX XXXX verified my responsibility, yet no proper debt validation has been provided. The information sent consisted only of summary amounts. No encounter-level itemized bills, CPT or revenue codes, insurance adjudication records, explanations of benefits, proof that insurance processing was completed, or proof of lawful authority to collect were provided. No signed contract or agreement bearing my signature has been produced showing that I agreed to the amounts being collected or authorized collection activity. 
Each hospital encounter constitutes a separate transaction and must be independently validated. Aggregating multiple unvalidated encounters into one collection demand misrepresents the character, amount, and legal status of the alleged debt. Collection activity also appears premature given the recent dates of service and the absence of evidence that required billing, insurance, and patient-notice steps were completed prior to referral to collections.

Additionally, Utah law requires accurate billing practices and prohibits deceptive or misleading representations in consumer transactions. Presenting unvalidated medical encounters as a single finalized debt without documentation is misleading and improper under both federal and state consumer protection standards. 
I have disputed the debt and requested proper validation. Despite this, the balance continues to be represented as owed without substantiation. I am requesting that collection activity cease unless full encounter-level validation, proof of contractual obligation, and lawful authority to collect are produced.

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 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I timely disputed this collection account and formally requested debt validation under the Fair Debt Collection Practices Act ( FDCPA ). I specifically requested : A copy of the original signed contract or agreement Proof that I am legally responsible for this debt A complete payment history Proof of Midland Credit Managements legal ownership of the debt ( chain of assignment/bill of sale ) In response, Midland Credit Management failed to provide proper validation. They did not provide a copy of any signed agreement, original contract, or documentation proving that this debt belongs to me or that they have legal authority to collect.

Instead, they provided only basic account information, which does not meet the legal standard for proper debt validation.

Despite failing to validate the debt, Midland Credit Management continues to report this account to the credit reporting agencies and continue collection activity, which is a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ).

Reporting and attempting to collect an unvalidated debt is inaccurate, misleading, and harmful to my credit profile. I disputed this account twice through XXXX  and never received the proper validation, and instead they kept reporting as disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Larry H. Miller Group of Companies
State: UT

Complaint narrative:
I am submitting this complaint regarding Prestige Financial Services failure to substantiate and document a disputed auto loan account. 
I requested documentation necessary to substantiate the validity, amount, ownership, and enforceability of the alleged obligation. Prestige produced only a copy of the Retail Installment Sales Contract and a transaction-level payment history. 
On XX/XX/year>, I issued a written Three-Day Cure Notice identifying specific outstanding deficiencies, including proof of Truth in Lending Act disclosure delivery at consummation, documentation evidencing funding of the transaction, documentation establishing Prestiges ownership or servicing authority, and any assignment or chain-of-title records. 
Prestige did not cure these deficiencies within the cure period. Instead, after the deadline expired, Prestige responded with a conclusory statement asserting compliance with applicable laws, including the Fair Credit Reporting Act, without identifying or producing documents addressing the deficiencies.

As of this complaint, Prestige has not substantiated lawful disclosure delivery, funding, ownership, or standing. I am requesting CFPB review for potential violations of federal consumer financial law, including Truth in Lending Act, Regulation Z, and UDAAP concerns, and to require Prestige to either produce substantiating records or cease servicing and reporting activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Repeated phone calls from spoofed numbers at all hours. I don't know who these people are but they're apparently a zombie debt collector and they're harassing me with constant phone calls. I don't know what debt this could even be about but I'm not picking up the phone as I hear they're incredibly rude on the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NJ

Complaint narrative:
I submitted disputes with cashapp because there were transactions from hardrock which I dont have no account or ever did business with them, cashapp locked me out of my account and made me verify my identity before they investigated the disputes .. after I was verified they denied my dispute claims stating their fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: AL

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: LIVE OAK BANCSHARES, INC.
State: AZ

Complaint narrative:
I transferred XXXX from live oak bank to my citi account. XXXX claims that " ACH credit is not associated to my name '' so the funds are frozen by XXXX. I did provide XXXX all the required documents ( XXXX account verification letter, monthly statements ) to prove that the account is mine. Still XXXX is asking live oak bank to " reach out to appropriate servicing team on XXXX and to initiate a recall request along with a completed uniform indemnity agreement, which is also know as hold harmless form ''. I did reach out to live oak requesting to do it and they are not agreeing to do it as their recall time is past XXXX days. I have been going back and forth with both the banks and I kindly request you to get involved and resolve it as neither of the banks are ready to help me out in getting my own money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
XX/XX/year> : I tried to open a second checking account online with USAA. They automatically blocked all online access to my accounts. They say it is due to security/fraud reasons and need to verify my identity. I submitted the required identification ( pics of the front and back of my driver 's license ) but am told it will take XXXX business days to resolve. Trying to call, their system defaults to not being able to help me further until THEY resolve it on their end by verifying my identity. Through the whole process of trying to open the additional account, there was NO WARNING that my online access would be blocked! I have bills to pay and can not move money into my existing checking account to use my debit card. They are in no hurry to resolve this. XXXX business days will take until Monday, so I have no access all weekend. I understand the need for security, but I talked to someone who actually looked at the pics of my driver 's license while I was on the phone with her, yet it STILL needs to go through their vetting process??? I have bills to pay and need to move money around!!! 
Even if there WAS fraudulent activity, how is it in my best interest to BLOCK ME FROM MY OWN ACCOUNTS????

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 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I reported unauthorized debit card transactions to Navy Federal Credit Union on XX/XX/XXXX. 

The fraudulent transactions included XXXX XXXX transfers totaling {$6500.00} ( {$2500.00}, {$2500.00}, and {$1500.00} on XX/XX/XXXX ) and a XXXX XXXX transaction of {$2700.00} on XX/XX/XXXX. 

XXXX XXXX issued only {$5000.00} in temporary credit related to the XXXX transactions and has never confirmed whether this credit is final. XXXX XXXX left {$1500.00} of the XXXX fraud unreimbursed and denied the {$2700.00} XXXX XXXX transaction on XX/XX/XXXX without providing any written explanation or evidence supporting the denial. 

I contacted XXXX XXXX multiple times by phone, branch visits, eMessaging, and written correspondence. I filed a police report on XX/XX/XXXX ( Case # XXXX ). I mailed a formal written complaint on XX/XX/XXXX to a Florida branch and never received a response. 

I followed up again on XX/XX/XXXX and XX/XX/XXXX and was told only to wait, despite the investigation exceeding the required timeframe under Regulation E. 

XXXX XXXX has failed to provide final written investigation results, failed to explain the denial of the XXXX XXXX transaction, failed to address the remaining XXXX amount, and failed to confirm whether the {$5000.00} temporary credit is final. 

I am requesting full compliance with Regulation E, written explanations for all denials, confirmation that the {$5000.00} credit is final, reimbursement of all unauthorized transactions, and copies of the investigation records relied upon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: DISCOVER BANK
State: NY

Complaint narrative:
I disputed an unauthorized charge made on XX/XX/XXXX, to DE XXXX after I cancelled their services in XX/XX/XXXX. I explicitly revoked authorization for any future charges and notified both DE XXXX and Discover in writing. 

Despite cancellation and revocation of authorization, DE XXXX continued to charge my account. Discover confirmed during a phone call on XX/XX/XXXX that a merchant block was placed ; however, charges continued to post afterward. 

I provided Discover with cancellation emails and supporting documentation. Despite this, Discover denied provisional credit and stated they could not reopen the dispute, even though the merchant continued charging me after authorization was revoked. 

DE XXXX also failed to provide the promised services and did not supply documentation when requested. Additional unauthorized charges occurred again in XX/XX/XXXX, including after I cancelled my Discover card. 

I believe Discover failed to comply with the XXXX XXXX Billing Act by allowing unauthorized charges after revocation of authorization, failing to properly block the merchant, and denying credit for unauthorized transactions. I am requesting a full refund of all charges made after XX/XX/XXXX and correction of my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am filing this complaint because Chime failed to protect my account and wrongfully denied my fraud dispute after my card and personal information were stolen and used without my authorization. 

On XX/XX/year> my Chime debit card was used for unauthorized transactions totaling approximately {$4600.00}, which completely drained my account. I did not authorize these charges, did not share my card information, and did not make these purchases. 

The only XXXX places I physically used my card shortly before the fraud occurred were : XXXX Gas Station on XXXX XXXX  ( XXXX XXXX at the pump ) XXXX on XXXX XXXX ( chip transaction ) Less than XXXX hours later, my account began showing multiple fraudulent charges. I immediately reported the fraud to Chime and filed a dispute, expecting protection as promised under their policies and federal consumer protections. 

Despite this, Chime denied my claim, refused to issue provisional credit, and provided no real explanation or evidence showing that I authorized these transactions. I was left with no access to my money, no resolution, and no support, which caused serious financial hardship. 

This situation has impacted my ability to pay bills, buy food, and care for my family. Chime has failed to conduct a fair investigation or follow consumer protection standards. 

Resolution Requested : 1. Full reimbursement of the stolen funds 2. A proper reinvestigation of my claim 3. Written documentation explaining how they concluded the charges were authorized 4. Confirmation that my account and personal information are secured Chimes handling of this situation has been negligent, dismissive, and financially damaging. I am requesting immediate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: Block, Inc.
State: MO

Complaint narrative:
XX/XX/year> XXXX am XXXX I received a text from Cash App informing that my borrowing amount increased, I clicked on the text and when I checked my Cash App, all of my funds had been taken. I contacted Cash App immediately and was assisted by a bot. I called later in the morning and was told that theres nothing that can be done at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: SC

Complaint narrative:
To Whom It May Concern, This letter serves as formal notice to CEASE AND DESIST all collection activity, communication, and credit reporting by SECURITY CREDIT SERVICES LLC related to the alleged account referenced above. 

Fair Credit Reporting Act ( FCRA ) Violations Pursuant to 15 U.S.C. 1681, Section 602, Congress affirms that consumers have a right to privacy, and that consumer reporting agencies and furnishers must conduct their operations in a manner that is fair, accurate, and respectful of that right. 

Further, under 15 U.S.C. 1681b ( Section 604 ), subsection ( a ) ( 2 ), a consumer report may be furnished only with the consumers written instructions or for a purpose explicitly authorized by law. 
I have never provided written authorization, consent, or instruction permitting SECURITY CREDIT SERVICES LLC to report, furnish, or disclose any alleged account information to any consumer reporting agency. 

Any continued reporting or furnishing of this alleged account by SECURITY CREDIT SERVICES LLC constitutes an unauthorized invasion of privacy and non-compliance with the Fair Credit Reporting Act, exposing your company to civil liability under 15 U.S.C. 1681n and 1681o. 

Fair Debt Collection Practices Act ( FDCPA ) Notice Additionally, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, this letter constitutes a formal cease communication notice.

Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing to cease communication, the debt collector must stop all further communication, except to : 1. Advise that collection efforts are terminated, or 2. Notify the consumer of specific legal action being taken Any continued collection activity by SECURITY CREDIT SERVICES LLC may also violate : 15 U.S.C. 1692d Harassment or abuse 15 U.S.C. 1692e False, deceptive, or misleading representations 15 U.S.C. 1692f Unfair or unconscionable collection practices Demand for Immediate Compliance You are hereby directed to : 1. Immediately cease and desist all collection efforts and communications 2. Cease furnishing or reporting any information regarding this alleged account 3. Delete and remove all information furnished to any consumer reporting agency 4. Provide written confirmation within 15 days that you have complied with these demands Failure to comply will result in enforcement of my rights, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), State Attorney General, and pursuit of civil remedies under 15 U.S.C. 1681 and 1692, without further notice.

This letter is not a refusal to pay, but a lawful demand for statutory compliance.

Governing Law : 15 U.S.C. 1681 et seq. ( FCRA ) 15 U.S.C. 1692 et seq. ( FDCPA )

Company response to consumer: Closed with explanation