vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-23 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: AZ

Complaint narrative:
Validation of Debt Request - MIDLANDCRE - XXXX XXXX XXXX XXXX XXXXXXXX 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 2026-02-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: NC

Complaint narrative:
I'm not struggling to pay my mortgage, I feel the bank is about to try and foreclose to cover up the following information. Bank is violating HUD laws, I have a XXXX standard loan and the bank removed the contingency fee to stop me from going to a different lender, signed off on unpermitted work, there is a current stop work order on our house and I have a notarized letter from county inspections stating it was because of non permitted work and no inspections being done. The bank refused to let me have a new HUD consultant, rehired the contractor we in XXXX and is trying to force us to work together to complete the project, reached out to the contractor to initiate draw 4, pressured me to sign draw 4 after I told them it was falsified and the work was bad, they told me to sign to avoid liens and delays, they denied my extension even though our contractor abandoned us for over 7 weeks and they knew. When I finally refused our construction project managers demand to let inspections come to lift the stop work order, saying I needed to involved HUD and FHA because I felt like this was wrong, she sent my file to legal. I feel like this was retaliation, she's trying to force our loan closed and it doesn't meet HUD guidelines. I have email proof of everything I'm saying here. I've filed a HUD complaint as well as calling the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

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 2026-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nationwide Capital Services, LLC
State: MI

Complaint narrative:
I notified this company in writing on XX/XX/XXXX that they are not permitted to contact me at my place of employment. Despite this written notice, they called my workplace again on XX/XX/XXXX and left a voicemail. This is a violation of the Fair Debt Collection Practices Act. I am requesting confirmation that my workplace number has been removed and that no further employer contact will occur.

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 2026-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am filing a complaint against Wells Fargo regarding ongoing, improperly charged monthly maintenance fees and failure to provide accurate account information. Details of the Issue : Since XX/XX/XXXX, I have repeatedly contacted Wells Fargo about a recurring XXXX XXXX monthly fee being charged to my account. I was told the fee was due to not maintaining at least {$500.00} in monthly direct deposits. This information was inaccurate. I currently have three accounts with Wells Fargo, and one of those accounts consistently receives over {$1000.00} per month in Social Security benefits. Despite meeting deposit requirements, I have continued to be charged this fee every month. Additionally, at no point was I informed about the Clear Access account option, which only requires a XXXX XXXX monthly deposit and would have been more appropriate for my situation. Wells Fargo failed to provide adequate guidance or offer a suitable account option, resulting in unnecessary and avoidable fees. Attempts to Resolve : I have contacted Wells Fargo numerous times since XXXX, including my most recent call on XX/XX/XXXX. During each interaction, I requested a review and reversal of these charges. Wells Fargo has consistently refused to refund the fees or correct the issue. Impact : Due to Wells Fargos failure to provide accurate information and appropriate account options, I have been charged over {$100.00} in unnecessary monthly fees. This issue could have been resolved during my initial contact in XX/XX/XXXX but was not. Desired Resolution : I am requesting : A full reimbursement of all improperly charged monthly fees A thorough review of how my account was handled Correct placement into an account that aligns with my deposit activity Assurance that this issue will not continue moving forward Wells Fargos actions reflect a lack of transparency, inadequate customer service, and failure to properly inform customers of account options.

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 2026-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am filing a complaint regarding unauthorized activity connected to accounts opened or transactions made with XXXX, XXXX XXXX XXXX XXXX and 5/3 bank I did not authorize these accounts. I believe my identity may have been used without my permission. I have contacted the banks to report the fraud, but the issue has not been properly resolved. I am requesting a full investigation, removal of any fraudulent accounts or charges, correction of my credit report ( if applicable ), and written confirmation that I am not responsible for this activity. My information keeps getting sold without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 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: NY

Complaint narrative:
I am a resident of XXXX XXXXXXXX XXXX XXXX ( XXXX ). I have no knowledge of the alleged debt reported by LVNV Funding LLC ( Account # ending in XXXX ). SUMMARY OF VIOLATIONS : This complaint concerns willful violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by LVNV Funding LLC. Despite my formal written dispute sent via Certified Mail on XX/XX/XXXX ( received by them on or about XX/XX/XXXX ), the company has failed to validate the debt and continues to report inaccurate information to Experian, Equifax, and TransUnion. CHRONOLOGY OF EVENTS : Pre-Dispute Reporting : Prior to XX/XX/XXXX, LVNV Funding LLC placed a collection tradeline on my credit reports ( Account # XXXX ) with an alleged balance of {$600.00}. Formal Dispute ( FDCPA 1692g ) : On XX/XX/XXXX, I mailed a formal debt validation letter via XXXX XXXX Mail ( Return Receipt Requested ) to LVNV Funding LLC. In this letter, I explicitly stated : " This is not my debt, I was never even notified by mail, I was never told, nor did I ever sign anything here. This is not mine, I have no knowledge of this account, and it belongs to someone with the same or similar name. This is factually incorrect. All this data is factually wrong, erroneous. '' Receipt & Silence : The Certified Mail tracking confirms delivery to their address on or about XX/XX/XXXX. The 30-day validation period has expired, and LVNV Funding LLC has failed to provide any validation of the debt. They have also failed to delete the tradeline. VIOLATIONS IDENTIFIED ( Based on Post-Dispute Reporting ) : A. FDCPA VIOLATIONS : 1692g ( b ) Continued Collection Activity : By continuing to report this disputed debt to Experian, Equifax, and TransUnion after receiving my written dispute and without providing validation, LVNV Funding LLC is engaging in illegal collection activity. See Russell v. Absolute Collection Services , Inc., 763 F.3d 385 ( 4th Cir. 2014 ) ( credit reporting during validation period constitutes collection activity ). 1692e ( 8 ) False Credit Information : The company is reporting a collection account without noting it is disputed by the consumer. The 7th Circuit recently clarified this imposes a negligence standard. * See Wood v. Security Credit Services , LLC, No. 23-2071 ( 7th Cir. Jan. 28, 2025 ) *. 1692e ( 10 ) Deceptive Means : The reporting of this account is inconsistent across credit bureaus, which is a deceptive practice designed to obscure the inaccuracy. The inconsistencies include : Original Creditor Format : XXXX show " XXXX XXXX PLATINUM '', while XXXX shows XXXX XXXX XXXX XXXX PLATINUM ''. Missing Information : TransUnion shows " No payment history '' and a blank " Status '' field, while the other bureaus show this data. Contact Information : The address and phone number associated with the account vary between the three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
I cancelled my escrow account on XX/XX/year> and requested that the escrow balance of {$3900.00} be refunded to me. I contacted the mortgage servicer and was told that the check was mailed out on XX/XX/year>. Its been XXXX days and I have still not received the refund. I requested a tracking number and they did not send the check via a method that allows tracking. Attached is confirmation I received that the escrow account was cancelled. But its been over a month since the cancellation was processed. In the meantime, Rocket Mortgage has been sitting on my funds and earning interest on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
Validation of Debt Request - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) XXXX, 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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

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 2026-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: PA

Complaint narrative:
i was refunded by XXXX XXXX separate times and have the e-mails to show for. The problem lies on your side. First refund on XXXX for {$11.00}, second on XXXX for {$3.00} and third on XXXX for {$13.00}. Tried to resolve this once over the app and my issue still has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I called in XXXX when my phone first broke to have the account closed because I couldnt use the phone at all it was broken into pieces I had a police report showing proof of that. Before account closure I made XXXX last payment before hand the person I spoke with told me they were going to close it come to find out the didnt I spoke with multiple others about this and now years later I find out Im still being charged without any knowledge and its affected my credit score tremendously the managers all said the dont know and couldnt find my account what so ever them charging me over the course of years had impacted me mentally physically financially and has given me emotionally distress because no one called or reached out after my multiple attempts to correct things with the company I made a dispute that still remains on my credit the amount charged in very inaccurate and Experian having it still on my credit without deleting and saying it was valid is causing me even more distress

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 2026-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My Bank of America account was closed on XX/XX/year>. At the time of closure, the balance in the account was {$150000.00}. Since XX/XX/year>, I have made multiple attempts to contact the bank to request the release of my funds. During these communications, I have repeatedly been informed that the closing date has been extended. However, I have not been provided with a clear explanation for the delay, any written documentation supporting the continued hold, or a definite timeline for when my funds will be returned. As of XX/XX/year>, more than XXXX weeks after the account was closed, the funds have still not been released. I also requested instructions on how to withdraw the remaining balance at a branch location, but I have not received clear or actionable guidance. Under the Expedited Funds Availability Act ( 12 U.S.C. 4001 et seq. ) and Regulation CC ( 12 C.F.R. Part 229 ), banks must comply with established funds availability requirements. Additionally, retaining customer funds without explanation may constitute an unfair practice under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ). A financial institution does not have the authority to hold funds from a closed account indefinitely without providing a lawful basis and proper disclosure. I am requesting the immediate release of the remaining balance and a written explanation detailing the specific legal reason for the continued hold on my funds.

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 2026-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am a victim of scam With chime and XXXX ads. Let 's explain, I watched some entertaining videos on XXXX. An ads appears in the middle of the video. By accident, I clicked on that ad, then they took me to a separate website.There were some XXXX XXXX XXXX XXXX, in the middle of the video they asked me to take a premium subscription so they would show the full video.The condition there is that the subscription is free, I just have to add my bank details.There are my personal details and my Gave me Chime Card info then got me to watch the full video.Since no dollars were deducted from my Chime at the time, I didn't pay any attention to it.After I finished watching that XXXX XXXX, I started watching XXXX videos again. The real story is now XXXX days later, many transactions were made from my Chime bank to XXXX XXXX, amount {$790.00}, {$200.00}, {$50.00}, {$780.00}, {$190.00}, {$53.00} and {$490.00} dollars .. I don't have XXXX account and also family don't have a Cashapp account, so I contacted the Chime customer service and opened a dispute when I saw the transactions. A few days after opening the dispute, the bank/Chime refused to return the dollars and they declined my disputes. Now I want to request CFPB please review my case and please Please arrange for my dollars to be returned. Chime is a low quality Bank. They are not guard my money. I was scammed by a fake website. My Chime account details Mail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My card is compromise My name isn't XXXXXXXX XXXX XXXXXXXX I am contesting these transactions and please arrange for my dollars to be returned. Note : I don't have XXXX account it's 100 % true.please contact with XXXX company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
I have had the same Trash service provider " XXXX '' since XXXX, something changed within their billing area. I no longer was receive e-bills or paper statements. The only communication I received was a past due bill which I paid immediately, and contacted the service provider. They advised I would receive " future statements ''. Then again in XX/XX/XXXX ( the XXXX time ever in my almost XXXX years business ), I receive another past due bill stating I hadn't paid the balance from XX/XX/XXXX. I never receive an e-bill or paper bill. I called on XX/XX/XXXX the day after receiving the notice and paid the outstanding balance and was told I had to recreate my account to receive future bills and establish auto payments. I went online recreated my account, added automatic payments. On Saturday XX/XX/XXXX I receive a notice from Transworld Systems Inc that they are a debt collector, and that they are trying to collect on behalf of XXXX. I contact XXXX again on XX/XX/XXXX to confirm my balance is paid, and that will my account is on automatic payments. XXXX advise that my account was current, but that I " they could see automatic payments ''. At this point I requested at all billing be mailed to me as there is a disconnect on getting proper billing. Non of contact information has changed since establishing my account, not my phone number or email. I thought this issue was resolved when I received the XXXX billing issue, but for it to happen a second time and then to add a Collection agency is not correct when I thought the disconnect was resolved. The only written communication I received from " XXXX '' was the XXXX past due notices. I've not received a billing communication, so that I as a consumer could pay my bill, as I would have done so. To receive a letter from Transworld Systems Inc as a debt collector XXXX days after the " past due notice '' is unfair as I have tried to direct resolve the billing disconnect with the provider on XXXX occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: OH

Complaint narrative:
In XXXX of 2025, I took out a {$1000.00} loan with Lendumo, an online lender that represented that they followed the XXXX XXXX Guidelines of interest rates that XXXX not exceed 36 %. There was no indication of the interest rate for the loan when I was going throught the application process. When I signed the loan, the interest rate was XXXX %!!! I feel that I was duped by this XXXX XXXX XXXX. I immediately sent them a message that I felt that I had beendeceived and that their rates were usurious. I am finding it difficult to stop removal of the payments from my bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: MS

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXXXXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company 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