vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Legacy Customer Management Group, LLC
State: AZ

Complaint narrative:
b"On XXXX XXXX XXXX I was contacted by a debt collector called Legacy from XXXX XXXX XXXX three times giving me claim number and a phone number (XXXX) regarding an Acima account. They committed the following violations:\nClaimed they are not a debt collector and therefore do not have to provide debt validation this is false under the FDCPA.\nThreatened criminal charges for defrauding a financial institution over a civil debt.\nStated if I did not pay over XXXX it would go to court and be held against me for 7 years.\nProvided no physical business address.\nAccept only XXXX XXXX or debit card no legitimate traceable payment method.\nDemanded I make a XXXX XXXXen percent payment before they would send any written agreement.\nWhen I stated I would speak to an attorney they said 'if you are homeless how can you afford an attorney.'\nBackground: In XXXX XXXX I contacted XXXX directly to return the merchandise and provided a pickup address. They never retrieved it. I made good faith payment arrangements but experienced housing instability. Settlement offers were sent to an outdated email I could not access. The debt was sold in XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
This is in regard to the previous complaint I filed with Chase Bank. It is regarding the fraudulent wire transfers. They issued a wire transfer recall to XXXX XXXX, receiving bank, but obviously the funds were gone immediately. My biggest complaint is the lack of accountability Chase is taking. XXXX from the escalation department of the Executive Office of Chase has been in contact with me. I am very disappointed that Chase allowed the wire transfers. It is very unusual account activity since I had never made a wire transfer in all my years with Chase, not to mention wire every last dime to my name. They should have required that I go to the nearest branch for help. They should be held responsible for their negligence and not protecting my accounts with them. They should have to reimburse me my loss, or split the loss with XXXX XXXX. The accounts at XXXX XXXX were fraudulent. I have emailed all of the fraudulent documents to Chase and XXXX XXXX proving I was hacked. I can provide them for you also if you need them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIO RECOVERY A is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOVERY A 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 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 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: GA

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 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I have been using Venmo for almost a decade with no issues. On XX/XX/year> I added a business venmo account for a mobile coffee event we did for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There were XXXX business sales from our coffe event. On XX/XX/year> I received an email stating my account ( did not specify which account ) was suspended and that I needed to provide more information. So I uploaded my license as requested. The next email I received said Im in violation of the user agreement. I had my legal team review. I have commited no such violataion based on what was sent. I emailed back asking for clarification on what exactly I have violated and which account is affect. The response was the same email again. I replied again asking for clarification and instructions on how to migrate my cryto currency out of my Venmo wallet. I received the same template response again telling my my account is suspended and I need to move my funds but my account was locked. So I emailed again. I received the same tempalte email again this time saying my account was open to transfer yet I still have no instructions on how to move my cryto wallet. I tried to chat with Venmo using thoer system with nothing but automated responses. I have tried to call venmo with no success but a looping voice mail system. I called XXXX who funds Venmo sincde I have several careds through them with no issues on any of them. They could nto help. I also reached out to PayPal who partners with Venmo- they had no help. Im asking for explaination on what violation occured to cause this drastic outcome. Which account did this violation occur on? Does this mean both account connected to me ( personal & business ) are suspended/closed? and How and where do I move my cryto currecy? OR better yet just leave my account alone and if it is that Venmo just doeant like me having a business account I will just take my business elsewhere but leave my personal account alone. Please help. I do not want to loose my crypto over something I know nothing about.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverified debt collection reporting. I have disputed this account directly with the company and requested full validation of the alleged debt, including the original signed contract, complete payment history, and proof of ownership/assignment. The company failed to provide sufficient documentation to validate the debt. Despite my request, the company continues to report and attempt to collect on this account without providing proper verification as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The information being reported is inaccurate, incomplete, and/or can not be verified. I do not recognize this debt and have not been provided adequate proof that I am legally responsible for it. This continued reporting without proper validation is causing harm to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union regarding the improper handling and denial of a dispute involving a missing refund. In XX/XX/year>, a travel booking totaling {$3800.00} was charged across multiple merchants for the same itinerary. I have documentation confirming that a full refund of {$3800.00} was initiated. However, the refund was never received. Navy Federal denied my dispute stating : The ticket was non-refundable The dispute was outside the time limit Their decision followed Visa guidelines These reasons are not applicable to my case. Key Issue : This is not a dispute about a non-refundable ticket or cancellation. This is a refund not received / merchant credit not processed issue. The merchant co nfirmed a refund, but the funds were never returned to my account. Failure to Investigate : Navy Federal failed to conduct a reasonable investigation by : Not verifying whether the refund of {$3800.00} was ever received, rejected, or misapplied Not requesting or reviewing refund transaction details from the merchant Relying solely on non-refundable ticket policy, which is unrelated to a missing refund Additionally : The airline can not locate the ticket The third-party booking agency can not verify receiving payment or issuing a refund Multiple merchants are involved, creating a breakdown in transaction accountability Despite these red flags, Navy Federal did not investigate the actual issue : missing funds Time Limit Concern : Navy Federal also denied the claim as being outside the dispute timeframe. However, the issue is not the original charge it is the failure to receive a confirmed refund, which may occur outside standard purchase dispute windows and still requires investigation. Conclusion : Navy Federal improperly denied this dispute by applying irrelevant policies instead of investigating the missing refund. I am requesting a fair and thorough review of this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST NATIONAL BANK OF OMAHA
State: MD

Complaint narrative:
I disputed this alleged FNBO credit card debt and requested validation in writing. XXXX tracking confirms the dispute and validation request were delivered on XX/XX/year>. Despite receiving my dispute, neither FNBO nor their attorney, XXXX XXXX XXXX, provided any validation. It has now been almost a year with no verification of the debt, no itemized accounting, no proof of ownership, and no documentation showing that FNBO has the legal right to collect. Instead of validating the debt, XXXX XXXX XXXX continued collection activity and filed a lawsuit against me in the XXXX XXXX of Maryland. They maintained the lawsuit even though they had not validated the debt as required by law. On XX/XX/year>, XXXX XXXX XXXX sent a letter referencing my dispute, which proves they received it, but they still did not provide validation. I later elected binding arbitration under the FNBO XXXX XXXX and notified both FNBO and XXXX XXXX XXXX. Even after receiving my arbitration election, they continued to maintain the lawsuit instead of dismissing it or moving the matter to arbitration. FNBO and XXXX XXXX XXXX have continued collection efforts, including litigation, without ever validating the debt. This violates the FDCPA, including continuing collection activity without validation, misrepresenting the legal status of the debt, and attempting to enforce a right they do not have. It also violates Maryland Commercial Law, which prohibits attempting to collect a debt without the legal right to do so. I am requesting CFPB assistance because FNBO and XXXX XXXX XXXX have ignored my dispute, failed to validate the debt for almost a year, continued collection activity, and maintained a lawsuit they can not legally maintain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
The app isn't presenting my amount due or remaining balance. I am currently under XXXX and they said that since I am the app won't disclose this information which I feel isn't right. I calmed twice and it isn't a technical issue. They said I have to call each time to make a payment and or have the information

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 2026-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Tesla, Inc.
State: FL

Complaint narrative:
XXXX XXXX Tesla dealership salespeople and managers falsified financial documents after the order was placed and deposit paid. On top of financial fraud Tesla committed, now they are covering it up. The purchase date was XXXX XXXX. Deposit of {$250.00} was paid the same day upon signing the contract ( attaching payment receipts ). As soon as I filled out financing information, the Invoice and all the financial data disappeared. A very detailed description of what happened, and proof I provided to Tesla is attached in a file. I sent these documents via certified mail and return receipt on XXXX XXXX. I still have not received any response from XXXX. On XX/XX/year> I filed complaint with XXXX XXXX XXXX XXXX Complaint # XXXX. Response from Tesla to XXXX was as follows : MESSAGE FROM BUSINESS : " We thank the customer for bringing this to our attention and apologize for any inconvenience. Tesla has worked to address the customer 's concern and provided our position. The customer continues to reject our resolution and is seeking a post-sale pricing adjustment for the vehicle, which we can not agree to. From our standpoint, this concern has been addressed and the matter closed '' Now this is a lie. No investigation took place, no information was provided per our complaint. Tesla never provided us with original invoice, upon which I paid my deposit and down payment. Tesla did not provide any time stamped entries that were made via app prior to all data being deleted. I also requested them to look through video footage during our purchase process, that proves everything I claimed. Tesla did not provide any of that.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Unauthorized Disclosure of Personal Financial Information by Chase Bank I am writing to formally file a complaint regarding a serious breach of my personal financial privacy by Chase Bank. On XX/XX/scrub> 2026, someone received a phone call from a representative of Chase Bank on a phone number that is not listed on my account. During this call, the representative asked if they were speaking with me, and after the person acknowledged my name, they proceeded to disclose sensitive personal and financial information without conducting any additional identity verification. Specifically, the representative disclosed details related to my debt, including the amount owed and the number of days the account is past due. At no point did they verify my identity through standard security procedures ( such as confirming date of birth, address, or account-specific verification questions ). This situation is deeply concerning, as it represents a potential violation of my privacy and raises serious questions about Chase Banks compliance with consumer protection and data security standards. Disclosing sensitive financial information without proper verification puts me at risk for identity theft and unauthorized exposure of my personal data. This is not the first time, they have called me multiply times doing the same, because it was my phone number I never thought to question it until todays call and Chase has also disclosed my business account credit to my personal account. I am asking they have it removed and resolved as a business issue. I respectfully request the following : A full investigation into this incident Please treat this matter with urgency. I am prepared to escalate this complaint further if necessary. Sincerely, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
On XX/XX/year>2026, I contacted Arvest Bank to dispute an unauthorized/erroneous transaction in the amount of {$520.00}. I am filing this complaint due to gross administrative negligence and multiple violations of Federal Regulation XXXX timelines. The timeline of the bank 's failure is as follows : Initial Filing Failure : Despite reporting the error immediately on XX/XX/XXXX, I have since discovered that the original bank representative failed to properly initiate the dispute against the merchant on that date. This caused an unauthorizedXX/XX/XXXX-month delay in the investigation. Admitted Internal Mismanagement : On XX/XX/year>2026, an Assistant Vice President in Risk Management & Escalated Support admitted via email that my case had been " forwarded to the wrong department '' for months. This is a clear admission that the bank failed to maintain a competent or legally compliant investigation process. Failure to Provide Provisional Credit : Throughout this XX/XX/XXXXmonth delay caused by their own internal errors, the bank failed to provide a provisional credit, depriving me of my funds while they " lost '' my documentation. Failure to Act on Final Notice : I provided the bank with a final notice on the morning of XX/XX/year>2026. Rather than issuing a credit or a resolution, the XXXX responded that she " appreciated the notice '' but offered no immediate remedy, effectively ignoring the deadline. Arvest Bank has had all necessary evidence since XXXX. Their admitted " procedural errors '' have resulted in a violation of my consumer rights and significant financial hardship.

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 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management XXXX is reporting a {$620.00} collection on my XXXX XXXX XXXX XXXX credit files with XXXX XXXX XXXX XXXX. as the original creditor. UNVERIFIABLE BALANCE : In response to my prior dispute Midland provided a single XXXX XXXX XXXX credit card statement dated XX/XX/XXXX showing a balance of {$330.00}. Midland is collecting {$620.00} nearly double the amount shown on the only statement they provided. Midland has not produced complete account statements from opening through charge-off that would explain how the balance grew from {$330.00} to {$620.00}. Collecting an amount that can not be substantiated with original creditor documentation constitutes an attempt to collect the wrong amount under FDCPA 807 ( 2 ). INADEQUATE VERIFICATION : Under the standard established in XXXX XXXX Midland Credit Management Inc ( XXXX XXXX. XXXX ) a case in which Midland Credit Management was the named defendant verification requires documentation from the original creditor confirming the debts existence, amount, and ownership. Midland has actual notice of this standard as the named defendant in that case yet continues providing incomplete documentation as verification. CREDIT PROTECT FEES : The single statement Midland provided shows a charge of {$3.00} for XXXX XXXX Credit Protect program. The CFPB has previously taken enforcement action against XXXX XXXX XXXX for deceptive enrollment practices related to Credit Protect fees. If these fees were assessed without clear consumer consent they may have artificially inflated the balance Midland is now collecting. STATUTE OF LIMITATIONS : The Texas statute of limitations for civil collection on this account has expired. Midland has acknowledged in writing they will not sue on this debt yet continues monthly derogatory reporting. As a direct result of this continued unverified reporting I was forced to accept a subprime auto loan at approximately 20 % APR in XX/XX/XXXX requiring my XXXX daughter as cosigner representing approximately {$14000.00} in excess interest charges. I am requesting deletion of this tradeline from all three bureaus or production of complete original creditor documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Lightspeed Mortgage, Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding Lightspeed XXXX and its handling of disputed payment transactions affecting my business ( XXXX XXXX XXXX ). Multiple customer transactions were processed legitimately and supported by full documentation, including authorization and proof of service. However, these transactions were later classified as fraudulent and reversed by Lightspeed without a proper or transparent investigation. Despite submitting all requested evidence, Lightspeed failed to provide justification for their decision or to protect my business from what appears to be abusive or fraudulent chargeback claims initiated by customers. The lack of due process and transparency in handling these disputes has resulted in financial harm to my business. Furthermore, the platform appears to lack adequate safeguards to protect merchants from fraudulent claims. A support case ( XXXX XXXXXXXX ) was opened, but no satisfactory resolution has been provided. I am requesting : * A formal investigation into these chargebacks * Reversal of improperly refunded transactions * Clarification of Lightspeeds dispute resolution procedures This issue raises serious concerns about consumer financial protections and fair treatment of merchants within payment processing systems.

Company response to consumer: Untimely response