vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My mortgage company pays my home owners insurance payments late. 

My homeowners insurance payment was due to XXXX on XX/XX/XXXX. 
Today, XX/XX/XXXX, my homeowners insurance company ( XXXX  ) has not received the payment from my mortgage company ( Wells Fargo ). 
I contacted Wells Fargo on XX/XX/XXXX and was told by a representative of the company that a wire payment was attempted and then rejected on XX/XX/XXXX, and a paper check was issued and sent via postal mail on XX/XX/XXXX. The check was sent via normal XXXX postal mail and was not even overnighted. I was told by the representative of Wells Fargo that XXXX should receive the payment by XX/XX/XXXX. 
It is pertinent that my home owners insurance payments are made on time. Otherwise, I risk having a lapse in my coverage and being dropped from my current insurance company. 
In order to avoid this from happening, I paid my home owners insurance myself today. This is unacceptable, these funds have already been paid by me and set aside in my escrow account. This is a financial burden for my family. 
I spoke with my homeowners insurance company and they stated that they do not accept wire transfers and that the bill that was sent to Wells Fargo lists they types and ways of payment. 

Every year Wells Fargo is delinquent! 

In XXXX I received a a notice of expiration due to nonpayment of premium from my homeowners insurance company because Wells Fargo failed to pay on time. So, I had NO homeowners insurance coverage at that time. The notice was sent to me from my homeowners insurance company on XX/XX/XXXX, I received in in the mail a few days later and contacted Wells Fargo on XX/XX/XXXX and they overnighted a check to my homeowners insurance company. This caused me to not have coverage on my home for over a week ( payment was due and coverage expired on XX/XX/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 2026-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
On XXXX XXXX XXXX I sent a certified letter to the company requesting debt validation and stipulated the request for the debt validation. I requested a complete and verifiable documents attached to this debt. I requested proof of ownership, complete chain of custody, a true and complete copy of any signed agreement bearing my signature, a legal right to collect in my state of residence, comprehensive itemization of all debts, credits, interest, and fees. The debt collection agency sent a copy of the statement from the original creditor. I then sent a certified letter to the company on XXXX XXXX, XXXX  notice of violation and the 30 day lapse of time for requested documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc.
State: NY

Complaint narrative:
I am submitting this complaint against Credit Corp Solution for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Credit Corp Solution furnished a collection account to consumer reporting agencies without first providing me with the legally required validation notice and disclosures. I never received any written communication identifying the debt, the original creditor, the amount owed, or my rights to dispute the debt, as required under 12 CFR 1006.34 ( b ) ( 5 ). Additionally, I was never provided a reasonable opportunity to dispute the alleged debt before it was reported, in violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Reporting a collection account without allowing a consumer to exercise their dispute rights undermines the protections afforded under federal law. 
By furnishing this account without proper notice or validation, Credit Corp Solution used false, misleading, and deceptive means in connection with debt collection, in violation of 15 U.S.C. 1692e, as the reporting falsely implies that the debt has been properly validated and legally substantiated. 
Furthermore, Credit Corp Solution violated 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ) by furnishing information to consumer reporting agencies without first providing the required disclosures and notices to me as the consumer. 
I dispute the validity of this alleged debt and assert that the collection account was reported unlawfully. I am requesting corrective action and full compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of XXXX XXXX XXXX XXXX ( XXXX ). This violation has led to an alleged case of identity theft, breaching XXXX XXXX XXXX XXXX. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated XXXX XXXX XXXX XXXX, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated XXXX XXXX XXXX XXXX, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Hard Inquiries : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/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 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX SUNRISE CREDIT SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : FINAL NOTICE - FAILURE TO VALIDATE DEBT | VIOLATIONS OF THE FDCPA & FCRA ACCOUNT # : XXXX XXXX XXXX To Whom It XXXX Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide the following constitutes noncompliance : 1. A copy of the original signed contract or agreement bearing my signature ; 2. A full chain of title including all assignments and transfers of the alleged debt ; 3. A bill of sale or purchase agreement proving legal ownership of the debt ; 4. Proof of licensing to collect debt in Alabama 5. Surety bond information ( if required by law in your jurisdiction ). A billing summary is NOT proof of debt ownership or legal authority to collect. Continued reporting of this unverifiable debt to credit bureaus is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and constitutes the furnishing of inaccurate and incomplete information. Additionally, continued collection efforts without proper validation violate the FDCPA, specifically : 15 U.S.C. 1692e - False or misleading representations 15 U.S.C. 1692f- Unfair practices 15 U.S.C. 1692g - Failure to validate debt If this account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within 15 calendar days, I will proceed with legal action against your agency under 15 U.S.C. 1681n and 1692k, including but not limited to statutory damages, punitive damages, legal fees, and costs. This is your final opportunity to resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, and pursue civil litigation. Sincerely, XXXX XXXX XXXX I sent this and NEVER got a response

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 2026-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: NY

Complaint narrative:
Below is what I submitted to chime as evidence disputing the false charge XXXX a XXXX made. 

" This letter serves as a final pre-litigation notice regarding deceptive and unlawful charges assessed under XXXX XXXX. Your prior response lacks factual or legal support and is contradicted by Exhibits XXXX. 

You have refused to produce the rental counter video while relying on it as proof, which supports an adverse inference that the footage contradicts your position. 

At the time of contracting, your employee expressly represented a total cost of {$470.00} including the refundable {$200.00} deposit. Under Florida lawFla. Stat. 501.204 ( FDUTPA ) oral representations inducing a contract are material and can not be nullified by later boilerplate. Any additional, undisclosed charges constitute a deceptive practice. 

Exhibits A and B show the daily rate and full quoted rental total, which already included taxes, surcharges, and feeshighlighting that later itemized fees were neither disclosed nor agreed to. Exhibit C shows duplicate charges and unauthorized add-ons, in violation of Fla. Stat . 501.976, which prohibits misrepresenting rental charges, failing to disclose mandatory fees, and charging for optional items without explicit approval. 

Your attempt to characterize discrepancies as an authorization hold issue is incorrect ; the dispute concerns misrepresentation, overbilling, unauthorized add-ons, and duplicate fees. 

Because your denial relies heavily on the unproduced rental counter recording, you are formally demanded to preserve and produce the unedited video, chain-of-custody records, and the identity of the employee involved. Failure to produce the recording will be treated as evidence that it supports the renters account. 

Your conduct violates FDUTPA, Fla. Stat. 501.976, and constitutes fraudulent inducement and breach of contract. Remedies include damages, attorneys fees, and injunctive relief. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX I received a call from a Wells Fargo phone number and answered - XXXX. A lady on the other line told me Wells Fargo received an alert of suspicion activity and was able to stop the individual from pulling an amount ( it was around {$300.00} ) from my account. I believed her and she then told me they needed to add protection to my account and gave me a wells fargo link to put into my safari. I followed the steps and was then prompted to change my password and then i relogged onto my app and she hung up. On XX/XX/XXXX the scammer pulled the first sum of money out of my account in XXXX, New Jersey and continued until XX/XX/XXXX where they pulled more out in XXXX, New York. Over the spam of the XXXX days they pulled out {$4400.00} from ATMs in NY and NJ. They also spent a total of {$1800.00} on my credit card through " online advances ''. I did not check my bank account until XX/XX/XXXX and called Wells Fargo right away to let them know of the XXXX. Wells Fargo opened a claim and is now denying the fraud claim. They are saying they have no proof that it wasn't me at the ATM pulling out charges since my physical " chip '' and pin were used. This is impossible as I have my physical card with me and have never given out my pin number and was in XXXX XXXX during the entire time. The ATM withdrawals were done in New York and New Jersey- I have NOT been to either of those states in over XXXX years. I have picture proof of those days I was in XXXX XXXX. I both was working, had a work XXXX event, and was other events, such a bookclub which can prove I was not in New York or New Jersey. I have asked Wells Fargo to find video surveillance of the ATMs. As of right now, the claims are still being held as denied. I have multiple people who will testify I have not left XXXX XXXX, it is IMPOSSIBLE that I was in New York and New Jersey pulling out money at an ATM.

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 2026-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
Closed while simultaneously stating {$860.00} written off. These designations are mutually exclusive and materially misleading. 
A written-off ( charged-off ) account can not also be reported as paid Reporting it as both violates the requirement that credit information be complete, accurate, and not misleading This constitutes inaccurate reporting under federal law.

Violations of the Fair Credit Reporting Act ( FCRA ) This account violates the following provisions of the FCRA, 15 U.S.C. 1681 et seq. : 1681s-2 ( a ) ( 1 ) ( A ) Furnishers may not report information they know or should know is inaccurate 1681e ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy 1681c ( a ) ( 2 ) Inaccurate or misleading information may not be reported 1681 ( a ) ( 1 ) The purpose of the FCRA is to ensure fairness, accuracy, and privacy of credit reporting Reporting a written-off amount as paid misrepresents the true nature of the account and unfairly damages my credit profile. 



Debt Validation Demand ( FDCPA ) To date, I have not been provided proper debt validation for this account. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting full validation of this alleged debt, including but not limited to : 1. A copy of the original contract or agreement bearing my wet-ink signature 2. Proof that XXXX / OneMain / XXXX has the legal right to collect or report this debt XXXX. A complete itemized accounting showing how the balance exceeded the stated {$500.00} credit limit 4. Documentation showing the exact date and method by which the account was allegedly paid or written off 5. Proof that this account was accurately and lawfully furnished to the credit bureaus Electronic summaries, screenshots, or account statements do not satisfy validation requirements.

Failure to Validate Requires Deletion If you are unable to produce the requested documentation within the time allowed by law, you are required to : Cease reporting this account Delete the account from all consumer reporting agencies Refrain from further furnishing inaccurate information Continued reporting without proper validation constitutes willful non-compliance, exposing the furnisher and/or credit bureau to liability under FCRA 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXXXXXX ] [ XXXX ] [ Phone Number optional ] Date : [ XX/XX/year> ] Via Certified Mail / Return Receipt Requested [ Resurgent Receivables LLC ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX, SC XXXX XXXX Re : Cease and Desist Alleged Account # [ Account Number, if known ] To Whom It May Concern, I am writing to formally request that you cease and desist all communication with me regarding the above-referenced alleged debt. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), you are hereby notified that you must immediately stop all forms of communication with me, including but not limited to telephone calls, letters, emails, text messages, or communication through third parties. You may only contact me to : 1. Confirm that you will comply with this request, or 2. Notify me of any specific legal action you intend to take. This letter is not an acknowledgment of liability, nor is it a refusal to pay. It is simply a formal demand that you comply with federal law. If you fail to comply with this request, I will document all violations and may pursue remedies available under federal and state law. Please govern yourself accordingly. Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of XXXX XXXX XXXX XXXX ( XXXX ). This violation has led to an alleged case of identity theft, breaching XXXX XXXX XXXX XXXX. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated XXXX XXXX XXXX XXXX, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated XXXX XXXX XXXX XXXX, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Hard Inquiries : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of XXXX XXXX XXXX XXXX ( XXXX ). This violation has led to an alleged case of identity theft, breaching XXXX XXXX XXXX XXXX. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated XXXX XXXX XXXX XXXX, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated XXXX XXXX XXXX XXXX, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Hard Inquiries : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/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 non-monetary relief