vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint regarding inaccurate, misleading, and unverifiable information being reported on my consumer credit file in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ) and 1681i ( a ). I have made multiple good-faith attempts to dispute these accounts directly with the credit reporting agencies and furnishers. Instead of conducting a reasonable reinvestigation, my disputes have been dismissed or labeled as frivolous, which is improper and a violation of federal law. The following issues remain unresolved : Misleading Charge-Off Reporting with {$0.00} Balance Several accounts are reporting as charged off as bad debt while simultaneously reflecting a {$0.00} balance and no past due amount. This creates a materially misleading representation of the account status and inaccurately portrays an ongoing delinquency or loss. If the debt has been resolved or no balance is owed, it must not continue to be reported in a misleading manner. Unverified Wage Earner Plan Designation Certain accounts are reporting a wage earner or similar plan status. I have never entered into any court-ordered or formal wage earner plan for these accounts. This designation is highly derogatory and must be supported by verifiable documentation. I have repeatedly requested proof of this status and have not received any. Failure to Conduct Reasonable Investigation Despite multiple disputes, the furnishers and credit reporting agencies have failed to provide documentation supporting the accuracy of the reported information. Under 15 U.S.C. 1681i ( a ), they are required to conduct a reasonable reinvestigation and verify the accuracy of disputed information. Simply responding without evidence or labeling disputes as frivolous does not satisfy this requirement. Because these items are inaccurate, misleading, and/or unverifiable, I am requesting the following : Immediate deletion of all inaccurate and unverifiable information Full documentation used to verify these accounts, including payment history, original agreements, and basis for any derogatory status Correction of any misleading reporting, including improper charge-off or wage earner plan designations Notification to any entity that received my credit report of any corrections made Failure to comply with the FCRA may result in further legal action for willful or negligent noncompliance under 15 U.S.C. 1681n and 1681o. I expect a full and complete response within the timeframe required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I sent a debt validation request via certified mail to Lockhart Morris & Montgomery regarding a collection account being reported on my credit report. The letter was successfully delivered, which I can prove with tracking. In my request, I asked for full validation of the debt, including documentation proving I am legally responsible, the original contract, and a breakdown of the amount owed. The company failed to respond and did not provide any of the requested documentation. Despite failing to validate the debt, they continue reporting this account to XXXX, which is inaccurate and misleading. Because the debt has not been validated, it should not be reported. I am requesting that this account be removed from my credit report immediately or that proper validation be provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
i dont know who this company is this information is incorrect and unverifiable this information is not mines at all police report was filed on this for identity theft. south west credit systems XXXX $ balance date XXXX,,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: DE

Complaint narrative:
I obtained a loan from one main financial. Their practices are unscrupulous. They explained process as title loan but they actually bought the car and doubled the car note, making payment unsustainable. XXXX was repossessed after making years of payments and I am still being sued for over XXXX for a car that was worth no more than XXXX. Its is scam!! They are currently being sued by XXXX states for these tactics .. Delaware XXXX include yourselves in this suit. Protect consumers, and force them to run their financial institution legitimately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: IN

Complaint narrative:
The was a charge for XXXX on my account and it was to XXXX and not my account they sent me a card with a new number and denied the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year>, I went to XXXX to buy milk for {$6.00} and get {$20.00} cash back. I go to the register and attempt to pay using my Citibank debit card. It gets declined. I try running it as credit. Still declined. I try getting cash out of an ATM, {$40.00} worth. Declined for a final time. This is when I call Citibank. They transfer me across XXXX different departments, having me reverify with personal information every time XXXX transferred. Finally, I get to a rep who tells me that my checking account has been restricted for XXXX business days, and that she could not tell me the reason why it was restricted. She also said I would have to wait for the back office to make their decision on this matter. I told her that I needed access to my money today. She told me she would speak to the back office and have them call me back before the days end. I thank her and hang up. No one from this back office called me before the end of the day. I wake up, today, on XX/XX/XXXX, to find my online banking access has been restricted as well. I call, and again I am transferred across XXXX different departments, and made to wait to speak to someone who can actually help me. I was finally transferred to the fraud department and was told a physical letter had been sent to my address, and that I would need to wait to receive it before they could unrestrict my account. They again failed to tell me a reason why this was happening to my account. For no good reason, I am being made to wait until physical mail from Citibank arrives before I am able to access my money, which I need access to immediately. This could take anywhere from XXXX days. I am outraged that they are even allowed to do this with money I put into my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NC

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
This account was opened fraudulently without my consent- identity theft victim

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: PA

Complaint narrative:
Regarding XXXX It accounts ending in # XXXX and # XXXX, I am formally disputing the summary denial of multiple unauthorized charges and the subsequent closure of my accounts. Despite my status as a loyal customer for over a decade and the submission of comprehensive documentation proving identity theft, XXXX failed to conduct a reasonable investigation or honor their {$0.00} Fraud Liability Guarantee under Regulation Z. Instead of protecting my accounts, the bank denied my claims without a detailed explanation and proceeded to close both accounts, causing significant financial distress and potential damage to my credit profile. I am requesting a full manual reinvestigation of all fraudulent charges by a senior specialist, the immediate removal of these unauthorized balances, the reopening of my accounts to restore my long-standing relationship, and a complete correction of any negative internal or credit bureau reporting associated with this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: Wolf River Development Company
State: KY

Complaint narrative:
They keep charging me over XXXX every XXXX weeks for a XXXX advance loan

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: IN

Complaint narrative:
There is discrimination going on at chime I talked to a agent about a dispute and was told nothing going to happen and later learned that because the agent didn't like my attitude I was unenrolled in a program I was enrolled after I was blackmailed for XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA 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 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My issue began when XXXX transitioned from Wells Fargo. Due to a timing error in how the balance was transferred, both I and XXXX paid the same balance, resulting in a negative credit balance of {$5200.00} on my Wells Fargo card. On XX/XX/year>, Wells Fargo allegedly mailed a refund check for {$5200.00}. I was told it would take XXXX business days. When the check never arrived by XX/XX/XXXX, I called to resolve the matter. The representative induced me to open a Wells Fargo checking account specifically to receive the funds via direct deposit, claiming this would be faster than waiting on another check. I opened the account while on the phone. The funds were promised by Friday, XX/XX/XXXX. They never arrived. I called today, XX/XX/XXXX, and was told the deposit was never made because the bank requires a physical affidavit to be mailed to me and notarized. This completely contradicts the reason I was told to open the account. I was never informed of this requirement when the bank representative used the promise of a " faster deposit '' to get me to open the new account. I asked for a DocuSign or PDF version to avoid further mail delays, but was refused. I was eventually transferred to an escalation agent named XXXX who filed an internal complaint. She promised a supervisor would call me within XXXX to XXXX minutes. I waited XXXX minutes and no one called. When I called back, a different representative gave me a fictional phone number ( XXXX ) as a contact for the XXXX complaints department. I am documenting this as a XXXX violation. I was misled into opening a banking product under false pretenses ( bait and switch ) and then given fictional contact information by staff to end the call. I have been without {$5200.00} for over a month, forcing me to liquidate personal savings and halt my normal investment contributions.

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 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
While working on XX/XX/XXXX I received a text message from Barclay 's saying this is your personal code for credit application and not to share with anyone. I immediately called Barclay 's to inform them that it wasn't me applying for credit and to please not put that on my credit report as hard inquiry. I was forwarded to their security department and told that a dispute was being set up and that it would take XXXX - 45 days before it could be completed. I called back at the end of XXXX to follow up and was told that the research was done and that a letter would be sent out to the bureaus stating that I wasn't the one who applied for credit. I made a dispute on Transunion 's website and waited until today and noticed that nothing had been updated. I called Barclay 's today XX/XX/XXXX to ask about the letter and was told that a letter was sent out to Transunion in regards to the fraudulent attempt at credit. I asked if a copy of the letter could be sent to me but they said that wasn't possible. I then called Transunion and spoke to a representative who told me that there was no letter received by them and that they could not remove the inquiry without document from Barclay 's. The rep did say that she would flag it on her end and that I should reach out to the CFPB which is what i am doing now.

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 2026-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PatientFi, Inc.
State: CA

Complaint narrative:
I entered into a deferred interest financing agreement with PatientFi in connection with a service provided through XXXX. While a promotional expiration date was disclosed at the outset, it was not reasonably accessible or visible throughout the life of the loan. The deadline was primarily buried within account statements rather than clearly displayed in my account dashboard. While the promotional expiration date may have appeared on the general account homepage, it was not displayed within the specific loan detail page where a borrower would reasonably expect to find key loan terms. This inconsistency made it difficult to reliably track the deadline. They told me the date was removed after the deadline passed, so I could have kept paying the 30 % interest without any idea. At no point did I receive any reminder, notification, or alert that the promotional expiration date was approaching. This lack of notice is particularly concerning given the severe consequence of missing the deadline. I paid the balance in full within 11 days after the promotional expiration, demonstrating clear intent to comply with the promotional terms and always paid my bill on time. Despite this, PatientFi applied retroactive interest of approximately 30 % going back over a year. Further, PatientFi does not provide reasonable access to customer support. The platform relies on a chatbot that does not allow escalation to a human representative or provide an email option. The only available method to reach a human is by phone, creating an unnecessary barrier to resolving urgent financial issues and documenting communication. The combination of : - Limited visibility of the promotional deadline ; - No advance notice or reminders ; - Removal of key account information after expiration ; and - Lack of accessible customer support creates an unfair and misleading consumer experience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: A-1 Premium Acceptance, Inc.
State: WI

Complaint narrative:
I have made multiple complaints about the king of cash not refunding money took from my account for a loan that was not funded I have called and emailed them as well last call was about March XXXX XXXX and I was told they would send over a email to the XXXX department to just send me a check being that I have submitted XXXX different bank accounts and still no refund all that keep saying is submit bank information which I have did and now it's been over a month for my check and I still have not received my refund and I called on XX/XX/year> and spoke with XXXX with customer service and still no update or refund given for the money being took for a loan that was not fund its going on a year that they have not refunded my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am a resident of New Jersey and am submitting this complaint to dispute a debt that has been reported on my credit file by Portfolio Recovery Associates , LLC. The account in question is reported as originally owed to XXXX XXXX, XXXX, with an alleged balance of {$300.00}, account number XXXX, and a reported open date of XX/XX/year>. I have never opened or held any account with XXXX XXXX, XXXX. This account is not mine. I never received any written notification of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I was not provided with a validation notice, nor was I given any opportunity to dispute the debt within the required timeframe. Additionally, I have recently discovered that I am a victim of identity theft. Based on this discovery, I believe this alleged debt is fraudulent and was opened without my knowledge or authorization. I did not open, authorize, or benefit from this account in any way. Despite this, the account has been reported to credit reporting agencies and/or collection attempts have been made without proper validation or verification of the debt.

Company response to consumer: Closed with explanation