vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Co LLC
State: IL

Complaint narrative:
I am submitting this complaint regarding a debt that has been reported to my credit file and/or is being collected. I am disputing the validity of this debt and have requested proper validation from the company, but have not received sufficient proof. On an unknown date, I became aware of this account, which has been reporting on my credit file for approximately four years. I did not receive adequate documentation showing that I am legally obligated to pay this debt. I have not been provided with a signed agreement, full account history, or proof that the debt collector has the legal right to collect this debt. I am requesting that the company provide full validation of the debt, including : The original creditors name and account details A complete payment and transaction history Proof of my obligation to pay ( such as a signed agreement ) Proof that the company has the authority to collect this debt Until this information is provided, I dispute this debt and request that it be removed from my credit report. If the company can not provide proper validation, they should cease all collection activity and notify credit reporting agencies to delete the account. I am requesting that this matter be investigated and resolved in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and all applicable laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I am disputing two collection accounts reported by LVNV Funding LLC. These accounts were previously disputed with XXXX and were removed from my credit report after investigation in XXXX and XX/XX/XXXX. The accounts were also removed from XXXX during that time. After being deleted, the same accounts later reappeared and now show that they were reopened. One account shows it was reopened on XX/XX/XXXX. I did not receive any notification that these accounts were reinserted on my credit report after being deleted. I continue to dispute ownership of these accounts. The company has only provided billing statements and has not provided documentation demonstrating that I opened or authorized these accounts. The repeated deletion and reinsertion of these collection accounts is causing my credit score to fluctuate and is preventing me from obtaining credit and potentially relocating for housing. I am requesting a full investigation and removal of these accounts if they can not be verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and Metro 2. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Fay Servicing, LLC
State: OH

Complaint narrative:
We paid our last house payment. Then a deferred balance and a recoverable corporate advance balance was charged since I was at the end of my loan, it showed up in my portal as the new balance. I asked for information on these. They sent me a letter stating the recoverable corporate advance balance was paid by my prior servicer and then that was removed. I was happy about that. Then I was waiting for the breakdown information for the deferred balance. I have called and emailed 50 times and am getting no where. Then all of a sudden the recoverable corporate advance shows back up on a statement. I am beyond frustrated!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On thursday XX/XX/XXXX my father got a credit report done and found multiple instances of identity theft ; fraudulent credit card accounts in his name. He advised my mother and I to also get credit reports to make sure nothing had happened to us. My mother also had multiple instances of identity theft where this person had credit cards in her name. Since then their accounts have been proved to be not belonging to them by the credit companies ( XXXX XXXX, XXXX XXXX, XXXX XXXX, and others ). The following day Friday XX/XX/XXXX I got a piece of mail from XXXX regarding a supposed credit card in my name that I did not apply for or allow anyone to apply for in my name. That was the first piece of mail I had gotten from XXXX and any other credit company. The following day I had a credit report done and found three instances of identity theft all with credit card companies. XXXX XXXX, XXXX, and XXXX all have credit cards in my name along with XXXX other hard inquires and at least XXXX soft inquires into credit cards all around the same time of XXXX, XXXX, and XXXX. The revolving accounts accepted by XXXX XXXX, XXXX, and XXXX total near XXXX XXXX dollars. Since then XXXX has removed their charges but XXXX XXXX and XXXX refuse to remove theirs insisting that I am the owner of these revolving accounts. I DID NOT APPLY FOR ANY OF THESE ACCOUNTS NOR DID I GIVE PERMISSION TO ANYONE TO USE MY PERSONAL INFORMATION IN ANY WAY. Since I reported these accounts to the companies I have filled a police report as well as here with the Consumer Financial Protection Bureau. I have had a checkings and savings account with XXXX XXXX XXXX for over 10 years as well as XXXX single credit card with XXXX XXXX XXXXXXXX. I spend wisely and pay my bills. It is outrageous to think that anyone when looking at my history would believe that I would apply for multiple credit cards back to back in a short time span, accumulate thousands of dollars of debt, pull out cash advances, and not make a single payment. I also was an over full time college student with no job so I don't see how these accounts were even accepted. I also don't have the account numbers except for the last XXXX because I have received no statements from these places. I REFUSE TO PAY ANY ACCOUNTS THAT DO NOT BELONG TO ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Transfer of title sent to Wells Fargo from myself and South Dakota DMV on XX/XX/year>. Called Wells Fargo to ensure title transfer was received on XX/XX/year>, they advised they had received it and saw movement on Californias DMV side getting the title transferred to Wells Fargo. California DMV sent XXXX title to Wells Fargo on XX/XX/year>. On XX/XX/year>, Wells Fargo was called and advised that they still have not received title and advised to call California DMV for further updates. On XX/XX/year> California DMV was called and advised that the title was sent electroinally on XX/XX/year> and that if Wells Fargo has not received within 30 days they would need to resubmit for the title. On XX/XX/year> Wells Fargo was contacted again to check status of transfer title and advised that the end of the week would make 30 days and that if not received I should call back on Monday XX/XX/year>. On XX/XX/year> Wells Fargo was called and advised that my temporary California registration would expire in less than 30 days. They were asked about title status and advised that they could only provide " Status Pending '' they could not confirm or deny if they had the title. I advised them that per California DMV if they had not received title by now they would have to resubmit. The Wells Fargo titling department refused and advised they would escalate the issue. On XX/XX/year> the Wells Fargo titling department gave me a case # XXXX and connected me to an agent assigned but had no further information. On XX/XX/year> my case was escalated to the Wells Fargo Executive office for complaints but had no update for me on titling. On XX/XX/year> i called the Wells Fargo Executive office and advised XXXX the team lead for my case about my registration expiring in XXXX weeks, he did not have any update on my case. On XX/XX/year> I contacted Wells Fargo Executive office and finally got a hold of XXXX and advised her of the poor customer service she has provided and how I have spoken to everyone on her team except her ( my case manager ), I requested all notes and contact notes for this case to keep for my records.

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 non-monetary relief
Consumer complaint received 2026-03-18 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: U.S. BANCORP
State: IL

Complaint narrative:
On XXXX XX/XX/year>, a unauthorized credit card advance in the amount of {$1000.00} was taken from my US Bank credit card and that sum was then deposited into a joint checking account I share with my spouse. My spouse, XXXX XXXX XXXX who I authorize to discuss this matter with anyone ) is the one who initially noticed the issue because he pays all of our bills and handles the bank accounts. US Bank was immediately called and informed of the fraud. What US bank chose to do was close my credit card and checking account stating that both of them had been breached. US Bank opened a new checking account and transferred our money to the new checking account. Initially, US bank reversed the charged on the credit card to include the transaction fee then later reinstated the fees and sent me a letter ( attached ) indicating that I am guilty of the transactions because I am the one who stood to benefit from the transaction. Having to pay interest on {$1000.00} plus the transaction fee is not a benefit to me. Especially because I did not perform the act. I am very insulted that US Bank has called me a criminal. Today, I filed a police report at the XXXX, IL police Department regarding the fraud. Today I went in person to the XXXX Branch of US Bank and I paid {$1000.00} back to that credit card so that I do not have to continue paying interest on that money. ( receipts attached ). TO BE CLEAR : I did not take a cash advance on the US bank card nor any card I have ever owned so help me XXXX. Additionally, US Bank has blocked me out from seeing my online account. US Bank has messed up Bill Pay and we can not pay our bills via that service any longer after speaking to 13 individual US Bank employees to include the fraud division, Online banking and others. This action has forced us to pay our bill directly to individual creditors and we have to enter our checking account into all of those sites which puts us at further risk of being financially compromised. Also, US Bank CEO was emailed and I received a very callus letter back from them indicating we would receive a letter regarding the matter. The staff at XXXXXXXX XXXX location is also callus regarding the issue ; don't care.

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 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current
State: LA

Complaint narrative:
To whom it may concern in XXXX i switch my ssi payment over to current bank and my first deposit wss scheduled XX/XX/XXXX. Some how the funds were dposited early with out my knowledge. Once checking my account on XX/XX/XXXX for my payment i seen the acocunt was negative and charges were made in different states with in XXXX hours. I immediately call and was informed by the bamk representative to file a dispute and they would would help me. They did i was told i was recieve my money back as credit with in XXXX hours ( reference number ) XXXX. The following day account was closed and i need my account number to update my deposit information ssi. They told me they couldnt help me it been weeks now. No check in the mail or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding Cash Apps handling of a {$340.00} transaction that is currently being held in a Waiting on Risk status. Cash App has confirmed that this is an internal security hold, not a merchant processing delay. However, I was initially misinformed and repeatedly directed to contact the merchant, which was incorrect and caused unnecessary delay during a time-sensitive situation. After further escalation, support acknowledged that : - The funds are being held internally by Cash App - This is not a standard pending or refund process - The hold is due to an internal risk/security review Despite this, Cash App has refused to provide any meaningful timeline, transparency, or resolution path. I have also been told that no escalation pathways exist to review or release the funds, leaving my money inaccessible without recourse. This situation has caused significant hardship, as these funds were needed for essential living expenses, including utilities. I am requesting : 1. Immediate review and release of the held funds, OR 2. A clear and specific timeline for resolution of the risk review 3. Written clarification of why the funds are being held and what conditions must be met for release Cash Apps lack of transparency and inconsistent information provided by support has made it impossible to resolve this issue through normal channels. I am requesting regulatory review of this matter and assistance in obtaining access to my funds. This situation reflects issues already identified by the Consumer Financial Protection Bureau in its XX/XX/year> enforcement action against Block, Inc. ( Cash App ), where the company was found to have failed to properly handle customer issues and directed users to third parties instead of resolving problems internally. In my case, I was initially misdirected to contact the merchant, despite the transaction being held internally in a Waiting on Risk status. This mirrors the exact conduct cited by the CFPB and demonstrates that these issues are ongoing. Given the CFPBs prior findings and penalties against Cash App, I am requesting immediate regulatory review and intervention to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: OR

Complaint narrative:
XXXXI transferred money from US Bank to XXXX XXXX. XXXX XXXX received the money, but they were unable to verify I was the owner of the account, due it being a minor account with my dad\'s name on it. XXXX XXXX will refund the money ONLY if they receive a "hold harmless letter" from US Bank. XXXXMy dad and I have spent many hours with the manager of my US Bank branch in XXXX, but we seem to be unable to reach the department that can issue such a letter. XXXXPlease help, it has been more than a year now!XXXX 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 2026-03-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
this is a debt that was created not by me- company sells this debt to XXXX party trying to collect a debt that is not mine- never had an account with XXXX XXXX- this is Fraud

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 2026-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I am filing a formal complaint regarding the improper application of my auto insurance claim proceeds by USAA Federal Savings Bank. On XX/XX/year>, USAA Insurance issued {$800.00} in claim proceeds for vehicle repairs. Instead of these funds being made available to me, USAA Federal Savings Bank applied the payment to an old, charged-off checking account ending in XXXX ( Account XXXX ) through an internal transfer. This was not a voluntary deposit. The account was closed and charged off, and I did not authorize my insurance claim proceeds to be used to satisfy a bank debt. These funds were issued specifically for vehicle repairs, and their removal prevented me from completing those repairs and caused financial hardship. I disputed this matter directly with USAA, and my dispute was denied. I am requesting reimbursement of the {$800.00} and a written explanation of the contractual authority used to justify this action.I am requesting reimbursement of the {$800.00} insurance proceeds and a written explanation of the contractual authority used for this setoff.

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 2026-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently discovered some unauthorized accounts thats reporting on my credit that need to be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: MOHELA
State: FL

Complaint narrative:
Hello, I believe there may have been a misunderstanding in my previous inquiry, so Id like to clarify my concern. I recently became aware that XXXX ( formerly XXXX XXXX ), and now MOHELA, have been involved in legal settlements totaling over {$100.00} XXXX. These lawsuits allege that borrowers were improperly steered into long-term forbearance instead of being informed of or enrolled in income-driven repayment ( IDR ) plans. Based on my experience, I believe I may have been affected by these practices. I took out my student loans in 2003 and, over time, I was repeatedly placed into extended forbearance rather than being guided toward more sustainable repayment options such as XXXX plans. As a result, despite paying over {$15000.00} toward my loans, I still owe approximately {$16000.00}. Given these circumstances, I am requesting a review of my account and clarification on whether I qualify for any restitution, settlement relief, or corrective action related to these allegations. Please provide : A full history of my loan repayment and forbearance periods Any records showing repayment options that were presented to me Information on my eligibility for any settlement or borrower relief programs I would appreciate a timely response and a thorough review of my account. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation