vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> LVNV Funding LLC c/o Resurgent Capital Services XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Cease and Desist All Communication Account # [ Last 4 digits : XXXX Consumer : [ XXXX XXXX To Whom It May Concern : Pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act, you are hereby notified to immediately cease all communications with me regarding the above-referenced account and any other alleged debts. This includes, but is not limited to : Phone calls to my home, cell, or work Letters, emails, or text messages Contact with my family, friends, employer, or any third parties Reporting to any consumer reporting agency Notice Required by 1692c ( c ) : After receiving this notice, your only permissible contacts are : To advise that your further efforts are being terminated ; To notify me that you may invoke specified remedies which you ordinarily invoke ; To notify me that you intend to invoke a specified remedy. Debt Validation : If you have not already validated this debt, I dispute its validity and request verification pursuant to 15 U.S.C. 1692g ( b ). Provide : the name and address of the original creditor, proof of assignment to LVNV, and an itemized accounting. Be advised that any further communication in violation of this notice will be documented and may result in a complaint filed with the CFPB, my state Attorney General, and a civil action seeking statutory damages up to {$1000.00} per violation, actual damages, and attorneys fees under 15 U.S.C. 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I purchased XXXX online. They do not fit my window ( I can see out the sides of my windows with the blinds all the way down ), despite me providing accurate measurements, the company deducted extra inches from the blinds, so they dont fit right. The product I received, is not what I ordered and does isnt fit for its intended use. There was also lots of misrepresentation by the company on the look of the blinds and one of their policies that stated if they dont fit, theyll remake them ( come to find out this only covers 4 blinds per household, ever ). They offer no returns, refunds, or exchanges. So I disputed the charge with XXXX. However, XXXX is telling me that they are siding with the merchant because they are bound by the merchants no refund policy. Despite the transaction not being valid because the product is not as described and not fit for its intended purpose. Under the Fair Credit Billing Act, a merchants no-refund policy does not eliminate my right to dispute a charge for merchandise that is not as described or not fit for its intended purpose. I have sent lots of documentation that the product I received is not what I paid for. Yet XXXX continues to tell me to just take it small claims court because they cant help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I had a checking account with Citibank and they took it upon themselves to close the account because they thought there was suspicious activity. I had opened an account and a check was sent to them to fund the account and it was taking so long that the sender put a stop on the check because they were afraid of fraudulent activity. Now there is close to {$6000.00} in my account that they will not give back to me. These funds were from deposits that were already cleared. This has to be illegal and I am absolutely livid over this. I have a dollar to my name as of the moment because they will not return my funds to me.

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 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: GA

Complaint narrative:
On or around XX/XX/2026 I received several emails from an unknown source demanding payment and settlement for a debt. The letter was from Halsted Financial Services , LLC from XXXX XXXX. Claiming to be representing XXXX XXXX XXXX Bank and XXXX XXXX XXXX. I sent a letter responding to this request on or about XX/XX/2026. Please see letter attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc.
State: MN

Complaint narrative:
This is my second formal dispute regarding an account reported on my consumer credit reports I previously disputed this account through the consumer reporting agencies, and despite that, the furnisher/collection agency continues to verify the account as accurate without providing any competent validation of the alleged debt. To date, I have not received any documentation that proves I have a legal obligation to pay this account. The company has failed to provide basic validation such as a signed contract, a complete payment history, or proof of their legal authority to collect this debt. Additionally, the account contains multiple inaccuracies and inconsistencies, including : Reporting a credit limit on a closed account Inconsistencies between the last payment date and delinquency status Incomplete and misleading account details These issues demonstrate that the information being reported is unreliable and unverifiable. Furthermore, by continuing to verify this account through the consumer reporting agencies without conducting a reasonable investigation, the company is violating its obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ). At the same time, their failure to provide proper validation of the alleged debt raises serious concerns under the Fair Debt Collection Practices Act. Despite being given prior notice and an opportunity to correct these issues, the company has failed to comply with federal law and continues to report inaccurate and unverified information, causing harm to my credit profile and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: AZ

Complaint narrative:
Crown management fail to provide full debt validation for CASE # XXXX CROWN MANAGEMENT WAS ALSO sent CEASE AND DESIST ORDER ON XXXX IN WHICH CROWN MANAGEMENT HAS VIOLATED. Crown management for over XXXX year as failed to provide full validation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
I received {$4300.00} from my tenant for two months ' rent via XXXX app by the tenant on XX/XX/year> evening around XXXX. I was out for dinner at a friend 's so I confirmed receipt to the tenant. I had never used XXXX for large sum as this. However, When someone makes a deposit, I usually log into the app and initiate withdrawal immediately for a standard withdrawal to my bank account within three days. However, this time was different ; the app prompted me to input my bank account details, strange I thought. This caught me off guard, and since I didnt have my account information handy and I was away from home, I decided to wait until the next morning. Then the next morning on XX/XX/year> around XXXX, I logged in the following day to enter my account details, I was shocked to see my balance at {$0.00}. Panic set in. I checked my email and discovered that the funds had been withdrawn by someone I didnt know. The entire amount of {$4300.00} was transferred to a bank called XXXX XXXX XXXX Bank. It was an instant transfer. The money was gone. I contacted XXXX and opened a dispute, but they insist they are not responsible because I have used to request minutes in my account in the past. I kept opening the dispute and they kept declining my disputes. Then I even went to a local police station to file a report. They suspected of a cyber crime. I called several attorneys to see if they would fight for my situation. They all denied to take my case. I called local TV stations if they would spread the word in media, they even did not respond. It was never this large of amount. Typically around couple of hundred dollars. the money which was deposited to which in this case was XXXX & XXXX bank. We dont even have XXXX XXXX XXXX Bank in XXXX XXXX where I am from. The amount being withdrawn to an account which is not mine nor am I related to the person, bank or the city. This ought to be an open and shut case, but I am struggling to understand why XXXX refuses to understand this. This feels like a serious cyber crime. XXXX is refusing to take any accountability. I am now out that money. I have filed a police report and consulted a few attorneys, but to no avail. No one is willing to take legal action against XXXX for such a large sum from my end. It has been over 2 and a half month and I have not found any justice. Now, when I check my XXXX account, it shows the routing number XXXX and account number XXXX ( XXXX BANK in XXXX ) stored which is not my account. The screenshot is attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-05 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a XXXX payment into my XXXX account in XX/XX/year>, I don't know the exact amount but it was around {$400.00}. The sender filed a fraud/dispute claim at their bank, Chase, and as a result my funds have been suspended. XXXX told me they can not do anything because the transaction is under suspension by J.P. Morgan/Chase XXXX I have been unable to resolve this because Chase will not help me since I am not their customer, and XXXX support can not view disputed transactions. I am being passed between institutions with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX told me I received a {$10000.00} payment related to an incident where my apartment almost caught on fire. I can not remember the exact dates, but I want to say this happened around XXXX. I contacted XXXX XXXX during three different months asking for documentation or confirmation of this {$10000.00} payment. I also contacted my bank multiple times, and they told me they have no record of any {$10000.00} deposit from XXXX XXXX. I also want to note that I pay XXXX XXXX monthly for my insurance. Note : ( The money was in my account, the lady that I talk to over the phone was there when the money showed up in my account from XXXX XXXX and another lady on the other end was like oh thank you for the money. ) Neither XXXX XXXX nor my bank ever notified me of any issue with the payment, such as the amount being incorrect or needing to be returned. I was never told that the money was rejected, reversed, or reimbursed back to XXXX XXXX. And I also received a notification encrypted message from my bank stating that there was no record of {$10000.00} being into my account. They are also not allowing me to reply to the encrypted message from my bank. I am requesting help confirming whether the payment was issued, when it was issued, and why my bank has no record of receiving it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 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: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
To whom it may concern, My loan was transferred to shellpoint mortgage when I was going through a difficult personal, financial hardships. I applied for loan modification and during the process that took over a year to finalize was so unfair, they double my interest rate from 4 % to almost 8 % therefor my mortgage pymt double.. I been making payments since XX/XX/year>, I been trying to refinance my loan to pay off debt and possibly lower my Interest but it's been impossible, recently in XXXX Newrez/shellpoint accepted my application to refinance, I been talking to XXXX XXXX at newrez, I recently paid {$600.00} for an appraisal and {$80.00} for a credit report, I was under the impression that because the refinance still with same company it will go smoothly but today he says that shellpoint has not been reporting my payments, and my hope to pay off debt and lower interest are very far. I can not fully put into words what i feel. I'm very confused and stressed with this company, please help.

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 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TN

Complaint narrative:
XXXXtried to call and change email and phone : told them someone had hacked the account: they laughed and never did anything : XXXXhad to talk to several people and nothing was done : cant even change password phone number or email'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 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: U.S. BANCORP
State: OH

Complaint narrative:
My bank reversed a provisional credit of {$1100.00} related to a disputed transaction. The denial letter provided only a vague statement that I received benefit but did not identify the company, transaction date, or provide any supporting documentation. I have no record or recollection of receiving any such deposit or authorizing any such transaction. The company claiming the debt has refused to provide basic validation information. They also continued to harass me via phone and email though I sent them an email cease and desist. They refused to provide a physical address so I had to send it via email. They refused to give me an origination date of the supposed loan. They also say I agreed to their terms on a date when I was recovering from XXXX XXXX and was on major pain medications which would make any commitment invalid anyway. Importantly I am also currently in an active XXXX XXXX bankruptcy, and any legitimate debt should be handled through that process.. I have been in bankruptcy for some time so I have no doubt that if this debt exists it should have been handled through my attorney. I have repeatedly requested documentation from the bank under the Electronic Fund Transfer Act, but they have failed to provide a clear explanation or evidence supporting their decision. I am requesting a full reinvestigation and restoration of the provisional credit unless proper documentation can be provided. The banks denial gives vague denial, no details and no evidence which I repeatedly requested. It proves they have given no consideration to my case except casually looking at it. The are obligated to do a full and thorough investigation! Also my phone number is ( XXXX ) XXXX. It wont let me change it on here..

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 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Newport Intermediate Inc.
State: WI

Complaint narrative:
My card was hacked they told me I could XXXX 2 months and they would check it I filed this on XX/XX/XXXX my last hack of my card was XX/XX/XXXX they said it's too late to make any response or coverage of the month of the losses I went back to XXXX the XXXX months that they had told me I had other card hacks since then or before that and my problem was the fact that they never caught that I was not in XXXX XXXX using XXXX and I live in Wisconsin I don't see it it's a debit card from XXXX I use it for going out or having dinners so I don't look at the balance very often but also they have noticing my card in it but XXXX for a few months so I finally look back and got my credit history through the company and found out that I'd been hacked since middle of summer of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
Mariner Finance contacted my work a few weeks ago so I emailed them and verbally told them on the phone to stop. They then tried contacting me via my cell phone on XX/XX/year> @ XXXX and left a voicemail. They need to stop contacting me and contact XXXX whom I'm doing debt consolidation with. XXXX they can be reached or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 explanation