vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 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: Opportunity Financial, LLC
State: VA

Complaint narrative:
I thought they were helping me. After a while of paying on the loan my payoff number wasnt going down. I then looked into it and found out that I had a 160 % interest rate. With further research I learned that the highest legal amount of interest in Virginia ( which is where I live ) is 35 %. Anything over 35 % is illegal. My loan is at 160 % which is not honored in VA. They took advantage of a young girl who didnt know much at the time about interest rates. They caused me emotional distress and anxiety from worrying on not being able to pay my payments on time. If I wasnt able to make my payments on time my account was debited more ( usually around XXXX dollars ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Unknown account from all ( 3 ) known bureaus XXXX XXXX and XXXX No address listed that belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Lvnv funding LLC c/o Resurgent they are trying to collect on a debt that has already been written off but I was never sent a 1099 c from company. So its not considered debt anymore. They also never showed.. proof of ownership, signed agreements, full accounting records, chain of assignment, statute-of-limitations information, and credit bureau dispute reporting XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XXXX XXXX XXXX. XXXX XXXX XXXX, NJ XXXX Date : XX/XX/year> LVNV Funding LLC XXXX XXXXXXXX XXXX XXXX, SC XXXX Re : Formal Cease and Desist / Debt Validation Demand Account Reported : LVNV Funding LLC Original Creditor : First Progress XXXX XXXX Reported Balance : {$240.00} To Whom It May Concern : I am formally disputing the alleged debt referenced above pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Your company is currently reporting a collection account on my consumer credit file associated with an alleged XXXX XXXX XXXX XXXX account. This account is disputed in its entirety. I demand that LVNV Funding immediately cease all collection activity unless and until you provide competent evidence establishing : 1. The existence of a legally enforceable obligation ; 2. A complete chain of title proving LVNV Funding has lawful authority to collect ; 3. A copy of the original signed agreement bearing my signature ; 4. Complete payment history and accounting records ; 5. Proof that the alleged debt amount is accurate ; 6. Documentation demonstrating compliance with all notice and validation requirements under the FDCPA and applicable state law. Additionally, my consumer reports contain active fraud alerts due to prior identity theft concerns. Any failure to reasonably investigate disputed information may constitute violations of federal law. Pending validation, you are directed to : * Cease all collection communications; * Cease reporting or furnishing the account to any consumer reporting agency ; * Mark the account as disputed by consumer in all reporting systems; * Refrain from selling, assigning, or transferring the account during the dispute period. If LVNV Funding can not provide full competent validation, I demand immediate deletion of all associated tradelines from XXXX XXXX XXXX and any other consumer reporting agency to which you have furnished information. Please be advised that continued reporting of inaccurate, incomplete, unverifiable, or misleading information after receipt of this notice XXXX constitute willful noncompliance under the FCRA and FDCPA, including but not limited to violations related to inaccurate reporting, failure to investigate, and collection of disputed debt without proper validation. All future communications regarding this matter must be made in writing only. This letter is not an acknowledgment of liability, nor is it permission to restart any statute of limitations period. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank closed the access to my checking account money on XX/XX/year> but successfully collected and cleared {$29000.00} from the check issuer 's bank that I deposited on the same day. Then proceed to closed my account on XX/XX/XXXX. The funds appear on my final statement. The bank has withheld my cleared funds for nearly 90 days, refusing to issue a cashier 's check or return my money, causing severe financial distress and hardship. Customer service refuses to provide a timeline or resolution. '' I do have my last bank statement period XXXX XXXX XX/XX/year> with a balance of {$30000.00}

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 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
My name is XXXX XXXX I need to report a Zelle scammer and a fraudster who is doing scams and fraud she is blocking customers after they send their payment to them her Zelle account and Zelle token needed to be suspended and restricted and revoked and permanently banned or permanently limited or permanently disabled or permanently restricted or permanently remove or permanently banned etc and her Zelle relationship needed to be terminated same as for her Zelle account and Zelle token terminated for permanent and send the investigation decision to her bank so they can do the same they to her checking and saving account or both or just one checking or saving to investigate and take action against her bank account and permanently restrict her banks accounts investigation or revoke it or permanently suspend it and terminate her banking account relationship with them because is going by two different names and fake names maybe etc here is her information XXXX XXXX Enrolled as XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
There was no documents with my signature stated that this depth XXXX or XXXX not be mine no supporting evidence of said depth no chane of commands to show of said depth that they own the right to collect on said depth.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am submitting additional documentation regarding a fraudulent lease account that is being reported on my credit report. This lease was opened without my authorization and is the result of identity theft. I did not sign this lease, did not live at the property, and did not authorize anyone to use my personal information. The company provided me with a lease containing a digital signature that is not mine. Someone used my identity and an image of my old identification without my consent. I am attaching the following supporting documents : Identity Theft Affidavit Police Report Copy of my legitimate lease agreement showing I was living at another address at the time this fraudulent lease was created Any additional supporting identity documents These documents clearly show that I could not have entered into this lease agreement. The account is inaccurate and must be removed from all credit reporting agencies immediately under the Fair Credit Reporting Act ( FCRA ). I previously disputed this account, but the inaccurate information continues to be reported despite the evidence provided. I am requesting a full reinvestigation and immediate deletion of this fraudulent account from my credit file. Because this account resulted from identity theft, I am requesting that this account no longer be reported and that all collection activity stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have an account with XXXX. The website tells me that my account is paid off. I have contacted them regarding their report to the crecit bureaus that I STILL owe them XXXX USD. I have filed TWO disputes with Transunion and they state that both have been denied. I have contacted XXXX twice and they REFUSE to resolve this. They just give me the runaround and ask questions that are irrelevant to the problem. Transunion states they have verified the information. XXXX is incorrect and financially inept. I onlny have ONE account with ONE phone number with XXXX. I can not get this resolved without help from a government agency or the attorney general of my state. I have contacted the attorney general of OHIO where XXXX is supposedly located. THey directly me to the ohio financial division and I have filed a complaint with them. I have filed a complaint with the XXXX and they are investigating this in OHIO.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I made the payment on time, yet these entries inaccurately reflect my payment history. I demand immediate correction and will not accept any false reporting that harms my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Aligned Company DBA Extra
State: CA

Complaint narrative:
Two different dates that the account was opened and no proof this account belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
SUNRISE CREDIT SERVICES is reporting account status to credit bureaus that I am not aware of. I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.S. C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately. The Infractions are as follows : Alleging Creditor and Account as is reported as By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA XXXX XXXX COMPLIANCE regulations, I demand that these a. mentioned derogatory items be investigated and permanently removed from my report with XXXX XXXX, XXXX XXXX and XXXX. Thank you, XXXX 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 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have been an American Express XXXX XXXX Member since XXXX and have spent well over {$2.00} million through American Express during my relationship with the company, including approximately {$1.00} million during XXXX alone. Throughout my entire membership, I consistently paid my balances responsibly, often multiple times per month, and never posed any fraud, credit, or financial risk to the company. My account was recently closed by American Express based on an alleged customer service interaction from approximately a year and a half ago involving inappropriate language. While I regret if I spoke improperly during a moment of frustration, my complaint is not primarily about the closure itself. My complaint concerns the handling of my Membership Rewards points after the closure occurred. When I contacted American Express regarding my Membership Rewards balance, I was initially informed that I had approximately 1.5 million points remaining. After I challenged the figure and referenced the balance I had personally viewed in my account the night before closure, the representative corrected the amount to approximately 1.7 million points. This inconsistency raised serious concerns regarding the accuracy of my rewards accounting. Additionally, I currently have pending Membership Rewards points tied to legitimate purchases completed before the account closure occurred, yet I am now being told those earned points will not be honored because the account was terminated afterward. I am also being restricted to reduced-value physical gift card redemption options instead of being allowed to redeem or transfer my Membership Rewards points at standard value, significantly diminishing the value of rewards earned through years of legitimate spending and loyalty. I requested clarification regarding the exact handling, balance, and redemption restrictions associated with my Membership Rewards account, but the matter remains unresolved. I respectfully request : * credit for all legitimately earned and pending Membership Rewards points associated with purchases completed prior to account closure ; and * the opportunity to redeem or transfer all legitimately earned Membership Rewards points at full standard value. I believe this matter deserves fair review considering my years of loyalty, substantial spending history, and flawless payment history with American Express.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 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: LA

Complaint narrative:
Venmo has locked 100 % of my funds. constituting my entire livelihood. I already uploaded my required, required government ID and photo verification as requested. I am facing an immediate financial hardship as I do not have money for gas to get to work tomorrow. Venmo is refusing to expedite my review of my document. and is holding funds without a valid timeline, causing severe financial distress. I request an immediate Manual review of my ID. My funds to be released or pushed to my linked bank account today.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Moore Law Group
State: CA

Complaint narrative:
I am writing regarding the two fraudulent accounts which XXXX XXXX alleges are my personal credit card accounts. i dispute this debt in its entirely because these accounts are fraudulent and do not belong to me. While I previously maintained a legitimate business credit card relationship with XXXX XXXX, I have never opened, applied for or authorized any personal credit card accounts with your client. I did not sign for, use or benefit from alleged personal accounts that are the subject of your collection efforts. Because XXXX already possessed my personal and business information through my legitimate business account relationship, it is possible that my information was compromised, misused, or stolen from XXXXXXXX XXXX systems or database and used to fraudulently open these accounts without my knowledge. or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint against Wells Fargo regarding the mishandling of unauthorized debit card transactions on my account. On XX/XX/year> I made one legitimate online purchase for {$14.00} for XXXX XXXX from XXXX. Immediately afterward ( XX/XX/year> and XX/XX/year> ), my debit card was charged two additional times totaling {$190.00} for transactions that I did not authorize and for which I received no goods or services. The merchant promised a refund ( XX/XX/year> and XX/XX/year> ), which was never issued. The website is now no longer operational and the company is unresponsive, indicating fraudulent activity. I reported these charges to Wells Fargo, but my claim has been repeatedly denied. The bank appears to have treated this as a merchant dispute ( item not received ) rather than as unauthorized transactions. These charges were not authorized under any circumstances. Authorization of one purchase does not authorize additional charges. Under Regulation E, this should be treated as unauthorized electronic fund transfers requiring a proper fraud investigation. Wells Fargo has not provided sufficient explanation or evidence showing that I authorized these transactions. I am requesting : A proper fraud investigation under Regulation E Reversal of the unauthorized charges totaling {$190.00} A written explanation of the denial decisions, including the reason codes used Confirmation that my account and card are secure I have supporting documentation, including transaction records and communications with the merchant.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have been a Citibank credit card customer for 11 years. I was not adequately notified that my balance transfer promotional APR was expiring. By the time I noticed the interest charge on my account, I immediately made a full payment to bring my balance to XXXX. After paying in full, I contacted Citibank four times to request a courtesy waiver of the interest charge given my long account history and the fact that I acted as soon as I became aware of the situation. Each time I was denied. On my most recent call, a retention department representative submitted a formal waiver request, but I was told approval was uncertain. I am requesting that the CFPB look into this matter. I believe Citibank failed to provide adequate notice of the promotional rate expiration, and their refusal to offer a one-time courtesy adjustment to a customer of 11 years who paid in full immediately upon discovering the charge is unreasonable. Interest Charge Date : XX/XX/year>, XXXX : {$310.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

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