vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
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 XXXX XXXX. 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, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery Associates LLC ( XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) is reporting a {$1100.00} collection on my credit report ( opened XX/XX/XXXX ). PRA has not provided debt validation. I am an Illinois consumer filing this complaint under the FDCPA and FCRA. PRA is a repeat CFPB offender fined {$24.00} XXXX in XXXX for violations of the XXXX CFPB consent order including collecting on unsubstantiated debt without documentation. Under the XXXX court order PRA is prohibited from collecting debts unless it has access to specific documentation proving the debt is valid. I am requesting : ( 1 ) the original creditor name and account number ; ( 2 ) original signed account agreement bearing my signature; ( 3 ) complete account history showing how {$1100.00} was calculated ; ( 4 ) date of first delinquency on the original account ; ( 5 ) complete chain of ownership from original creditor to PRA including purchase price ; ( 6 ) confirmation this debt is within the Illinois statute of limitations. If PRA can not produce this documentation per the XXXX CFPB consent order requirements, I demand immediate deletion from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I am filing this complaint to dispute inaccurate and unverified information being reported on my credit file. The account listed as Wells Fargo, account number XXXX, is currently being reported on my credit report. I formally dispute the accuracy and completeness of this account. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), all information reported to consumer reporting agencies must be accurate, complete, and fully verifiable. At this time, this account has not been properly verified and therefore should not continue to be reported. I request that the company provide full documentation verifying the validity of this account, including but not limited to : The original signed agreement or contract bearing my signature Complete account history and itemized statement of charges Proof that the reporting company has the legal authority to collect or report this debt Documentation showing how the reported balance was calculated If the company can not provide sufficient documentation verifying the accuracy and ownership of this account, I request that the account be immediately removed from all credit reporting agencies. Failure to ensure accurate reporting may constitute non-compliance with the Fair Credit Reporting Act. I request that this matter be investigated promptly and corrected or deleted if the information can not be fully verified. Please provide written confirmation of the results of this investigation.

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 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: IA

Complaint narrative:
Cash App changed my account number unauthorized by me and claim I said my phone was stolen and my account was hacked Ive never told them that I disputed a transaction that wasnt authorized by me so Cash App changed my account number without alerting me so my payroll check was rejected by Cash App because they changed my account number so most of my bills that I had to pay with that check that was rejected is now all late fees I have to pay because of this problem I want to sue Cash App

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
I had an agreement with National Credit Systems to pay monthly {$100.00}. I went online as I usually do and have done for the past XXXX months to make the payment. Somehow National Credit Systems had my account where I couldn't make the usual agreed upon payment and instead they wanted the payment in full instead of the agreed upon amount of {$100.00}. I have documentation that on XX/XX/year> XXXX payments that I tried making through your system failed. They have since report my account to the all XXXX credit bureaus and have damaged my credit without notice for something that is XXXX days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against LVNV Funding LLC Account # XXXX To Whom It May Concern, I am submitting this formal complaint against LVNV Funding LLC regarding an alleged debt in the amount of {$1500.00}, associated with account number XXXX. I have disputed this account ; however, LVNV Funding LLC has failed to provide adequate validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite my request, they have continued reporting this account on my credit report without providing proper documentation verifying that this debt is accurate and that I am legally obligated to pay it. Specifically, LVNV Funding LLC has failed to provide : A signed contract or agreement bearing my signature A complete account history showing how the balance of {$1500.00} was calculated Proof that they have the legal authority to collect on this alleged debt Their actions may constitute violations of federal law, including but not limited to : Reporting inaccurate or unverified information under the FCRA ( 15 U.S.C. 1681 ) Failure to validate a debt under the FDCPA I am requesting that the Consumer Financial Protection Bureau conduct a full investigation into this matter and require LVNV Funding LLC to either : 1. Provide proper validation of this alleged debt, or 2. Immediately delete this account from all credit reporting agencies Additionally, if LVNV Funding LLC can not validate this debt, I request that any negative reporting associated with this account be removed promptly. Please keep me informed of the outcome of your investigation. I appreciate your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year> I made a purchase at a truck stop {$200.00} of fuel but the truck stop XXXX put a hold on {$500.00} I called them they said they released the money right away they said the rest was up to my bank to return my money. I also started a dispute with my bank they keep saying my money will be return tomorrow everyday I called but that has not happened it's been a week they keep saying the same thing I've have transactions declined because my account is negative {$110.00} I've had to get a loan to pay for .y phone bill and other stuff I've tried calling again this morning they told me investigation takes time to keep waiting

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 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
I discovered my HSBC World Elite Mastercard had been closed without any prior notice when my card was declined. At no point was I contacted with a warning or given an opportunity to address any alleged issue prior to closure. Approximately one year ago, HSBC contacted me to clarify my card usage. I responded fully and cooperatively to their enquiries on multiple occasions. HSBC did not follow up, indicate any dissatisfaction with my responses, or suggest any further action was required. No further communication was received for approximately one year. Suddenly I discovered the card account had been closed without warning. Now, upon contacting HSBC via chat, I was told the closure followed a terms and conditions review but no specific breach was identified/clarified to me. I was told a letter was sent - I reside outside the US where post takes 2-3 months to arrive, and no digital notification was provided despite digital channels being available and actively used. In the chat with the bank they refused to provide the information requested. When I asked specifically about my rewards points, I was informed that aprox XXXX points had been forfeited ( value in statement credit is $ XXXX and via their travel portal even more ). This was not volunteered - I only learned of it by asking directly. I had made payments to the card resulting in a positive credit balance. When I requested refund of this balance in writing and then cited 12 C.F.R. 1026.11 ( a ) ( Regulation Z ), chat agent responded that there was " no option to reverse the payment '' and directed me to a postal address in XXXX as the only remedy. I submitted a formal written complaint to an email address for HSBC Customer Relations I found online today, requesting written explanation of the closure, card reinstatement, full points reinstatement, and electronic refund of the credit balance. No auto-response or acknowledgement has been received, raising concern that the email address may not be actively monitored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I am filing this complaint to dispute inaccurate and unverified information being reported on my credit file. The account listed as Navy federal Credit Union, account number XXXX, is currently being reported on my credit report. I formally dispute the accuracy and completeness of this account. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), all information reported to consumer reporting agencies must be accurate, complete, and fully verifiable. At this time, this account has not been properly verified and therefore should not continue to be reported. I request that the company provide full documentation verifying the validity of this account, including but not limited to : The original signed agreement or contract bearing my signature Complete account history and itemized statement of charges Proof that the reporting company has the legal authority to collect or report this debt Documentation showing how the reported balance was calculated If the company can not provide sufficient documentation verifying the accuracy and ownership of this account, I request that the account be immediately removed from all credit reporting agencies. Failure to ensure accurate reporting may constitute non-compliance with the Fair Credit Reporting Act. I request that this matter be investigated promptly and corrected or deleted if the information can not be fully verified. Please provide written confirmation of the results of this investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lloyd & McDaniel, PLC
State: FL

Complaint narrative:
XXXX XXXX XXXX - XXXX XXXX XXXX Court Case # XXXX This is to let you know that the above referenced case has recently been entered into the Online Dispute Resolution ( ODR ) platform. Please be on the lookout for an email from : XXXX. If you have not received the email by XXXX XXXX today in your regular box, you may want to check your spam folder. Once received, please click on the link at the end of this sentence in that email : Click here to access the 18th Judicial Circuit-Brevard County-XXXX Small Claims Resolution Center : YOUR CASE NUMBER Either party can initiate making an offer to settle this case. If you need help or have questions, you can request a mediator in XXXX after an offer has been made by either party or their counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I have disputed this XXXX times. They are blatantly lying and reporting inaccurate information. Originally I had XXXX care credit, without my consent they opened a second card and transferred the balance from the first XXXX. On their website the balance reflects XXXX but on my credit report they are reporting a XXXX balance which is directly impacting my credit score. The lady dispute they lowered it to XXXX then added a remark that said its a variable rate which lowered my score by XXXX when the newer care credit reports says credit card. I talked to XXXX different people XXXX who claimed they closed my account and updated my report. The other who wrote a letter saying my balance is XXXX but neither have updated my account to reflect 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 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANKUNITED, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I maintained a checking account with BankUnited and was enrolled in electronic statements. My account was closed by the bank without prior notice after maintaining a {$0.00} balance for a short period of time. I was not given any warning or opportunity to keep the account open. I became aware of the closure only after attempting to wire approximately {$13000.00} into the account, which was rejected. Upon closure, my online access was immediately terminated, which eliminated my ability to retrieve previously available electronic statements. I requested copies of my account statements for XXXX. The bank stated they would only provide these records if I paid {$5.00} per statement plus a $ XXXX research fee. These fees are unreasonable given that I had electronic statement access and lost that access due to the banks unilateral account closure without notice. I would have taken simple action to keep the account open had I been notified. I am requesting that the bank provide all requested statements electronically and waive all associated fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I asked in written and verbal to validate the debt with written signed agreement.

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 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WLCC
State: MO

Complaint narrative:
Email received to my employer regarding payroll deduction for supposed debt owed. Email was sent from an apex servicing and requesting information be sent to a valley servicing email. Valley servicing was called and provided reference number was given. Debt collector gave my name back. Debt collector unable to verify and pull up account with my correct birth date and last XXXX of social. Collector unable to give any information or pull up account. Debt collection number is XXXX. I am unaware of this company.I have never received anything in the mail from them, never been served papers from court officials, nor do I know anything regarding this supposed debt. They obviously have the wrong person is my correct information does not match what is one file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
I called to resolve this account and was told multiple times by the representative that the amount of {$570.00} would settle the {$1900.00} balance in full. I confirmed this repeatedly during the call, and the representative agreed each time and stated I would receive a settlement letter in the mail. The call was recorded. I made the payment based on that agreement. After the payment posted, I was told the account is not settled and that I still owe a balance. This is a misrepresentation of the agreement made during the recorded call. I am requesting the account be corrected to reflect a settled balance of {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: TRUIST FINANCIAL CORPORATION

Complaint narrative:
I live in XXXX, with only an XX/XX/XXXX ( XXXX ) prefix ; so, I can not call US toll free numbers. Direct numbers are always ignored, with my XXXX prefix and go to voicemail, which can not help. They will not call me back. The international number asks questions for XXXX, then hangs up. I complained on their XX/XX/XXXX account asking for email. nothing. I am locked out of my app and website because they want to verify me through an old US phone I no longer have. How can truist bank be so unavailableXX/XX/XXXX BTW, yours is the Only US website that allows me to enter my ( mandatory ) phone number. EVERY other US website ONLY accepts US numbers and will not allow me to submit the form, without a US number, basically denying me access and service. This is also the case with Truist. I cant even fill out the form to seek help or complain, without a US number.

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 2026-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I just got out of prison in XXXX. After reviewing my credit report, I noticed that XXXX has reported to my credit a charge for a sprint account that I did not open. At the time this account was open I had XXXX XXXX as a XXXX. My phone was stolen by my ex boyfriend and he had all my information on the phone. I made a police report when it was stolen. I am requesting that this is canceled due to the fact I did not open the account. I have uploaded the proof of my account with XXXX. I had service through them not sprint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: MoneyLion Inc.
State: TX

Complaint narrative:
The company offers a monthly instant cash loan. Due to outdated banking practice the system glitches and recognizes other deposits instead of w2 income. Due to this error my instant cash eligibility changed and out me in a tight spot on how to come up with the money. Due to this deceptive practice I contacted them to close the account. Customer service is non existent. This company is predatory and needs closed asap. Charges XXXX a month to access the funds. Then won't cancel when trying to communicate with them. They leave the chat blank for hours. Any agent, any time. No way to close account. This is illegal. I owe no money to this company and request my account closes and personal info deleted

Company response to consumer: Closed with explanation