vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate personal information and unverifiable collection accounts appearing on my credit report. Several addresses and phone numbers currently associated with my consumer file are inaccurate, outdated, obsolete, or do not belong to me. I requested that these items be removed pursuant to the Fair Credit Reporting Act, including XXXX XXXX. XXXX ( b ) and XXXX XXXX. XXXX. The inaccurate personal information includes : Addresses : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Numbers : - ( XXXX ) XXXX - ( XXXX ) XXXX - ( XXXX ) XXXX Additionally, I am disputing several collection accounts that I believe are inaccurate, incomplete, misleading, or unverifiable. I requested a complete investigation and proper verification of these accounts, including documentation showing legal responsibility and the method of verification used. The disputed collection accounts include : XXXX LVNV FUNDING LXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act, credit reporting agencies are required to maintain maximum possible accuracy and remove information that can not be properly verified. I am requesting deletion of all inaccurate, outdated, incomplete, misleading, or unverifiable information from my consumer report and an updated corrected copy of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: MS

Complaint narrative:
My information was sold XXXX collection agencies with XXXX different amounts i have been trying to get original information from captial one which was XXXX dollars then the other XXXX collection companies added additional XXXX dollars on it. I also paid for insurance protection which was not used at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
My vehicle loan/title records. My middle name is incorrectly listed on the loan and title documents connected to my vehicle financing. This error is currently interfering with and delaying my ability to refinance my vehicle with another lender. I contacted Ally Financial to request correction of the error and was informed that the dealership originally submitted the paperwork incorrectly. However, despite acknowledging the issue, Ally has not provided a reasonable solution or assistance in resolving the matter with the title/lien records XXXX I was advised to contact the dealership, but the inaccurate records connected to XXXX XXXX continue to affect my refinance process. I have attempted to resolve this matter in good faith and have provided or am prepared to provide documentation verifying my legal name, including my drivers license and other identifying documents. As a result of this unresolved issue, I may suffer financial harm, including delays in refinancing, potential loss of favorable loan terms, increased interest costs, and continued financial burden.

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 2026-05-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
I modified my mortgage on XX/XX/XXXX. Terms were XXXX at XXXX with non interest bearing deferred payment of XXXX. I've noticed they've changed my interest bearing principal to XXXX and my non interest bearing deferred payment to XXXX. As of this date there is an additional XXXX +/- that I'm paying interest on. I'm not sure when this happened as I took over personally paying the mortgage and only recently realized the " error, '' which looks much like unjust enrichment to me. The last week of XXXX of XXXX an agent named XXXX at NEWREZ verified the loan XXXX dated XX/XX/XXXX with the terms of XXXX principal at XXXX and deferred non interest bearing amount of XXXX ( as of this date XXXX is missing from the deferred amount ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
I paid XXXX XXXX XXXX off XXXX XXXX did when they brought my plan on I explained this to the debt company already they call everyday sometimes twice a day!

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 2026-05-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I deposited a mobile check for {$38000.00} with SoFi Bank. I was initially notified that {$10000.00} would be available on XX/XX/XXXX and the remaining funds on XX/XX/XXXX. I later received another notice delaying the full deposit until XX/XX/XXXX due to additional verification. I contacted customer service by phone on XX/XX/XXXX and was told that {$10000.00} would still be available today. However, when I later contacted support through chat, I was told the funds may be held an additional XXXX business days. I have received inconsistent and conflicting information regarding the hold and availability of my deposit and am requesting a clear written explanation and confirmation of the actual release timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/XXXX, an identity thief used a fraudulent California driver 's license to conduct 9 in-person transactions across multiple Bank of America branches in XXXX and XXXX XXXX XXXX , NV over a 3-day period, stealing {$100000.00} in cash and cashier 's checks. Individual transactions ranged from {$4700.00} to {$27000.00}. At no point did the impersonator present a debit card or enter a PIN. Branch staff had no supervisory escalation for high-value withdrawals despite this being anomalous account behavior. One teller documented that the ID had a " questionable texture '' but the transactions were permitted to continue across 9 visits at 5 separate branches. On XX/XX/XXXX, after the account was frozen by the account holder, a branch manager at the XXXX XXXX XXXX location in XXXX reversed the fraud freeze based solely on the same flagged fake ID and an unverified " business invoice. '' During this unauthorized unfreeze, {$13000.00} was transferred into a linked minor 's savings account. It is unclear how the impersonator had knowledge of the linked minor account. The full {$100000.00} was eventually returned. Bank of America 's XX/XX/XXXX denial letter ( unsigned, case XXXX ) refused all additional compensation, citing its Deposit Agreement 's limitation on consequential damages. The bank offered four 5-year XXXX XXXX memberships as resolution. We spent 100+ hours including 50+ hours on recorded fraud lines and 17.5 hours in branch visits coordinating with multiple law enforcement agencies and unwinding vendor penalties caused by auto-payment failures during the account lockdowns. We are seeking {$36000.00} in compensation : {$25000.00} for professional labor, {$1000.00} in documented out-of-pocket costs, and {$10000.00} in general damages for negligence and distress. BofA has declined all of this. The core failures : ( 1 ) repeated high-value cash disbursements using a physically flagged fake ID with no secondary verification ; ( 2 ) no cross-branch real-time fraud flagging across 5 locations over 3 days ; ( 3 ) reversal of an active fraud freeze by a branch manager without adequate identity verification ; ( 4 ) possible disclosure of a linked minor account to the impersonator.

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 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, I called Truist bank to close my checking account but they refused to do that and insisted that I go to a branch to do that. I don't have car to go to nearby bank to close it within their business hour.

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 2026-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
XX/XX/year> Account Bal {$320.00} Creditor : XXXX XXXX XXXX XXXX XXXX Dispute this account close

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 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
Consumer Financial Protection Bureau Complaint Complaint Against : RESURGENT RECEIVABLES I am filing this complaint against RESURGENT RECEIVABLES regarding an alleged debt being reported on my credit report without proper validation, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The account is currently being reported as follows : * Company : RESURGENT RECEIVABLES * Reported Date : XX/XX/year> * Balance Reported : {$1000.00} * Status : Collection Account I disputed this account and requested validation of the alleged debt. However, RESURGENT RECEIVABLES failed to provide adequate documentation proving : * The debt belongs to me * The amount being reported is accurate * They have the legal authority to collect this debt * The debt was legally assigned or transferred to their company I have not received proper supporting documentation such as : * A signed agreement or contract * Original account statements * Itemized billing history * Documentation proving ownership or assignment of the debt Despite my dispute and request for validation, the company continues reporting the account to the credit bureaus, which is negatively impacting my credit profile and causing financial harm. Under the FDCPA and FCRA, debt collectors and furnishers are required to conduct a reasonable investigation and provide accurate validation when a consumer disputes an account. Continuing to report an unvalidated debt may constitute violations of federal consumer protection laws. I respectfully request that : 1. RESURGENT RECEIVABLES provide complete and proper validation of the alleged debt ; OR 2. Permanently delete the account from all consumer reporting agencies if they can not properly validate the debt. I also request that the CFPB investigate RESURGENT RECEIVABLES collection and credit reporting practices concerning disputed consumer accounts. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclays bought gmcard credit services. Upon purchase we were notified on XX/XX/XXXX the account would be using paperless billing without our consent. In XXXX of XXXX we were notified that our account payment was 2 month late with out receiving notification. Upon receiving the mail memo Barclays was contacted on XX/XX/XXXX. It was noted that there was no email address in the user profile to send a notification. After this was noted all charges and fees were dropped and the bill paid in whole. This issue is we want our credit score to return to over XXXX as it was before this incident occured

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 2026-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc.
State: VA

Complaint narrative:
On XX/XX/year>, I discovered a severe data breach and FDCPA third-party disclosure violation committed by A.R.M. Solutions, XXXX while collecting for XXXX. A.R.M. Solutions placed an unauthorized, completely unrelated stranger 's email address ( XXXX ) onto my personal debt collection profile. As a direct result of this corporate negligence, my private financial details, debt status, and personal data were emailed directly to a stranger 's inbox. Concurrently, A.R.M. Solutions emailed me the private debt validation notice belonging to a completely different consumer. This letter fully exposed the name, home address, XXXX account number, and exact debt totals of a consumer named XXXX XXXX in XXXX, Ohio ( Agency Account # XXXX ). I contacted A.R.M. Solutions on XX/XX/year>, to report that my data had been leaked and to ask how they were securing it. I spoke with Agent XXXX XXXX ( ID : XXXX ). The agency was entirely uncooperative. XXXX staff initially refused to transfer me to a manager or supply corporate compliance contact info. When a supervisor finally called me back on XX/XX/year>, they refused to provide an incident tracking number, refused to offer credit monitoring to mitigate the breach, and stated only that they were " investigating internally. '' The agency has unlawfully disclosed my private debt information to a third party in direct violation of the FDCPA, and they are actively refusing to take accountability or provide a path for remediation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
Chime keep denying my dispute I am XXXX I cant XXXX I dont have a car I didnt got to family dollar an {$730.00} dollars I have nowhere to put it I have to get in a out a wheel chair all day then they say provide a police report when the chime whgremt term does not say that chime call an dispute and cancel the cards they took XXXX from my tax return and XXXX saying its a summary of what I spent in XXXX & XXXX when I spent more than that {$10000.00} I kept tryna tell them they hung up on me an keep saying they cant help me like its the final decision say no error accord reported I keep asking how when I reported the error its my account I even order new debit cards creditcard they wont dispute a chime stride card I havent had in a year and charged my card I dont even use I thought it expired Im so sad I am XXXX with kids I dont no what else to do I keep tellin chime help me Im XXXX and I am a customer they just say they did what they could reapply I never felt so helpless in my life my bills are due an I have kids I could lose everything

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian you state world XXXX verified this account as accurate but world states they are not reporting to consumer reporting agencies so which one of you is lying i request a copy of there certified verification you state you have or remove account there response denies your remarks

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 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: NV

Complaint narrative:
Consumer Financial Protection Bureau Complaint Complaint Against : PROFESSIONAL FINANCE COMPANY I am filing this complaint against PROFESSIONAL FINANCE COMPANY regarding inaccurate reporting and failure to properly validate an alleged medical debt under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The account is currently being reported on my credit report as follows : * Company : PROFESSIONAL FINANCE COMPANY * Balance Reported : {$2000.00} * Reported Date : XX/XX/XXXX * Opened : XX/XX/XXXX * Status : Open / Unpaid Collection Account * Type : Medical Collection * Original Creditor : XXXX XXXX XXXX XXXX XXXX I disputed this account and requested proper validation of the alleged debt. However, PROFESSIONAL FINANCE COMPANY failed to provide sufficient documentation verifying : * That this debt legitimately belongs to me * The accuracy of the amount being reported * A complete itemized billing statement * Proof they have legal authority to collect the debt * Documentation showing assignment or transfer of the alleged debt I have not received adequate supporting documentation such as : * Signed financial responsibility documents * Detailed billing records * Insurance adjustments or payment breakdowns * Proof of ownership of the account Despite the account being disputed and not properly validated, the company continues reporting this collection account to consumer reporting agencies, negatively impacting my credit profile and financial standing. Under the FDCPA and FCRA, debt collectors and furnishers of information are required to conduct a reasonable investigation and provide proper validation when a consumer disputes an account. Continuing to report unverified information may constitute violations of federal consumer protection laws. I respectfully request that : 1. PROFESSIONAL FINANCE COMPANY provide complete and proper validation of the alleged medical debt ; OR 2. Immediately delete the account from all credit reporting agencies if they can not properly validate the debt. I also request that the CFPB investigate PROFESSIONAL FINANCE COMPANYS collection and credit reporting practices involving disputed medical accounts. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
Today, XX/XX/year>, I reported to Chime mobile banking that I found out that my ex had fraudulently opened a Chime account using my daughter 's name and social security number and it needed to be closed. My daughter lives with me so she also spoke with them to verify that she did not open any account or authorize anyone to open it. Shortly after doing this I ran to the XXXX XXXX but was unable to pay for my items at checkout which lead to me finding that Chime had closed my account. I had money in my checking account and in my savings account and my paychecks are direct deposited to my account as well so I immediately called their customer service thinking that it could just be fixed. I was very much wrong because the representative said there was nothing that could be done, couldn't reopen my account, and could not refund my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
I am disputing this collection because the alleged debt is entirely the result of a XXXX billing error. I officially cancelled my XXXX line over the phone and paid my final bill in full. I then switched my service to XXXX, and my old phone was handed over to XXXX, which is completely documented by my XXXX billing timeline. After my account was closed, XXXX mistakenly processed an accidental charge. I immediately disputed this with receipts over the phone and through their official XXXX support channel. When the debt collection agency contacted me, I emailed them my entire paper trail including my final payment records, XXXX transfer receipts, and the cancellation timeline. Instead of conducting a real investigation, the agency ignored my evidence and sent a standardized, automated email response claiming the debt was valid simply because XXXX 's system said so. They have failed to provide any actual itemized proof or ledger to me. This balance must be updated to {$0.00}, all collection efforts must stop, and this erroneous account must not be reported to the credit bureaus. I would like to add on. XXXX also is aware I have XXXX I been said cancelled everything once I realized they charged me and they clearly didnt now we are here. I have proof the XXXX trade in and bill to show the time aligns up I didnt just stop paying it I have a new service and my XXXX service was paid beforehand in XXXX and XXXX can provide proof of XXXX my bill was paid beforehand I switched. I called several times directing the issue even though a random customer service client saying otherwise there are different representatives each call so they can not determine that. But the receipts shows supporting evidence I said to cancel everything I have XXXX.

Company response to consumer: Closed with explanation