vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates , LLC for reporting and attempting to collect a debt that has not been properly validated and can not be verified as accurate or legally enforceable. The account allegedly originated with XXXX XXXX XXXX, XXXX. and was subsequently sold. I dispute this account in full and have not been provided any competent evidence that : I entered into a legally binding agreement with the current collector The collector has lawful ownership supported by a complete chain of title The balance being reported is accurate and supported by a full accounting I have formally requested validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). The company has failed to provide sufficient documentation, including a signed agreement or complete transfer history. Despite this, the company continues to report this account to consumer reporting agencies, which raises serious concerns under the Fair Credit Reporting Act. Under FCRA 1681s-2, furnishers of information are required to ensure that any information reported is accurate, complete, and verifiable. Reporting a debt that can not be substantiated constitutes inaccurate and potentially misleading reporting. Additionally, I have exercised my rights under 15 U.S.C. 1692c to cease communication. Any continued contact outside of legally permitted notifications may constitute further violations. At this point, the company is : Reporting a disputed account without proper validation Failing to provide documentation sufficient to establish legal standing Potentially furnishing inaccurate information to credit reporting agencies This is not a request for further correspondence or continued collection attempts. I demand the following : 1. Immediate and permanent deletion of this account from all consumer reporting agencies, including : XXXX XXXX XXXX 2. Immediate cessation of all collection activity 3. Written confirmation that : The account has been deleted No further reporting will occur If the company is unable to produce full and legally sufficient validationincluding a signed contract and complete chain of titlethen continued reporting constitutes willful noncompliance under the FCRA. If this matter is not resolved through deletion, I will pursue : Additional complaints with the Consumer Financial Protection Bureau Complaints with the Federal Trade Commission State Attorney General action Civil remedies for statutory and actual damages

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Global Lending Services LLC
State: TX

Complaint narrative:
This complaint is a follow-up to a prior CFPB complaint that Global Lending Services LLC failed to substantively address. In response to my prior complaint, GLS stated that it would address all concerns i n one response but did not provide any documentation or explanation regarding the specific issues raised. This is not a substantive response and does not resolve the dispute. My vehicle was repossessed and later reported as sold on or about XX/XX/year>, for {$2600.00}, resulting in a remaining balance of approximately {$14000.00} that GLS continues to report and/or rely on. I specifically requested documentation showing how the vehicle was sold and how the {$2600.00} sale price was determined. GLS has not provided any documentation identifying the actual method of sale ( private sale or auction ) and has not provided records supporting either method. GLS has not provided any sale records, auction reports, buyer information, evidence of market exposure, or any valuation or condition report supporting the sale price. The only document provided is a post-sale deficiency summary, which does not establish how the vehicle was sold or how the price was determined. By failing to provide documentation of the sale process, GLS has not demonstrated that the vehicle was disposed of in a commercially reasonable manner as required under Texas Business & Commerce Code 9.610. As a result, the deficiency balance derived from that sale can not be substantiated. Despite this, GLS continues to report and/or rely on this balance without providing documentation sufficient to support it. A generalized statement that the account has been verified, or a delayed or consolidated response that does not address the specific issues raised, does not constitute a reasonable investigation or a sufficient response to this dispute. GLS has failed to conduct a reasonable investigation into the disputed information and has failed to provide documentation necessary to verify the balance being reported. GLS must either provide documentation establishing how the vehicle was sold and how the {$2600.00} sale price was determined, or acknowledge that the balance derived from this sale can not be substantiated and correct or remove it accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 2026-04-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX, XXXX allegedly sold debt too XXXX XXXX XXXX XXXX XXXX XXXX has been unable to prove any ownership of said debt XXXX XXXX XXXX took me to court and still was unable to prove ownership of this debt. The case was dismissed before I was taking to court. I requested several times that XXXX XXXX XXXX prove I owe this step to them. There was never any documentation sent to me that I owe this debt yet it was always verified all three credit bureaus claimed they verified this debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
On XX/XX/year>, PayPal froze my account and asked to confirm my XXXX and submit a bank statement. I completed these steps on XX/XX/XXXX while speaking to a representative from the online support team. I am currently overseas, and PayPal claimed that my account needs to be opened for the country that I am accessing it from most frequently. When I asked PayPal support, " What are the next steps to access my money? '' - They sent the following message, " After a review we have decided we no longer wish to do business with you. Since there is a balance on the account, that will be held for XXXX. Around the XXXX day, you will receive an email from us letting you know the funds are eligible for withdrawal. You will need to find another payment processor that fits your needs going forward. PayPal will not be an option. These decisions are final and not subject to any reviews now or in the future. '' PayPal did not provide a reason or an appeals process. I am unable to access {$1100.00} of my funds for XXXX months while abroad- when I need them most. This is unacceptable, PayPal is holding my funds with no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/year> I received a text from XXXX from Chase Bank, where my only banking account is, saying there had been a fraudulent XXXX payment in the amount of {$2000.00} and asked me to respond Yes or No and the text ended by saying someone from the Bank would be calling me. I responded no and a Chase Bank representative called me from XXXX within seconds. It was a man who sounded and behaved just like a Chase Bank representative saying that he would take care of this fraud issue. I had made a {$2000.00} XXXX payment for my rent XXXX weeks earlier and had had an issue at the time and I was worried that the issue persisted. He walked me through everything and said he would assist in reversing the {$2000.00} and in the end he stole the funds instead by this scam-induced transfer. I was called again on XXXX XX/XX/year> as they told me they would to confirm the transaction that next day. I did not pick up as I was suspicious by then.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I discovered that some inquiries that I do not authorized was reported on my credit report and I am calling the attention to immediately remove these inquiries because I do not consent to this report no do I have anything to do with them the FCRA laws does not permit this act please kindly delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2026-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered that some inquiries that I do not authorized was reported on my credit report and I am calling the attention to immediately remove these inquiries because I do not consent to this report no do I have anything to do with them the FCRA laws does not permit this act please kindly delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year> my purse and wallet were stolen from my vehicle. On or around XX/XX/year> and XX/XX/year>, a XXXX party used a stolen checkbook belonging to another individual and fraudulently presented my stolen identification to cash checks. As a result, {$7000.00} was debited from our account by JPMorgan Chase. These transactions were not authorized by us. We reported the fraud to Chase on XX/XX/year> and opened a claim. At the banks request, we provided a police report on XX/XX/year> ( now over XXXX days ago ). Despite this documentation, Chase has not credited the funds back or provided a meaningful update. It has now been approximately XXXX month since the funds were removed. This matter involves check fraud and identity theft, not an electronic transfer. Under the Uniform Commercial Code, a bank that accepts and pays checks must exercise ordinary care and follow commercially reasonable standards, including proper identity verification. Here, Chase accepted checks presented with a fraudulent ID and a debit card that was reported stolen and deactivated on XX/XX/year>, indicating a failure in its verification and fraud-prevention procedures. We have requested, but not received, key documentation, including : The method of presentment ( in-branch cashing vs. mobile/remote deposit ) Records of ID verification procedures used at the time of the transaction Chase has not explained how these checks were accepted or why its controls failed, nor has it reimbursed the loss despite clear evidence of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I contacted via mail a request for debt verification showing this is my account, nothing was provided, just stated item is verified on my credit report removal request. They provide no information that I requested showing this is my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Complaint Against : Midland Credit Management , Inc. Issue : Inadequate Debt Validation and Inconsistent Credit Reporting After Prior Complaint I am submitting this complaint as a follow-up to a previously closed complaint regarding Midland Credit Management . In response to my prior complaint, Midland Credit Management stated that they had mailed validation and directed me to their website for additional documentation. However, I have not received any validation documentation, and their response failed to include proof of mailing, proof of delivery, or any substantive account-level documentation. More importantly, their actions following my dispute directly contradict their claim that the accounts were properly verified. Initially, multiple accounts were reported and marked as verified. However, after escalation : - XXXX account was completely deleted from my credit report - The remaining accounts were changed from open collections to closed status These changes demonstrate that the information previously reported was not accurate or properly verified at the time it was furnished. Despite these inconsistencies, Midland Credit Management continues to report the remaining accounts without providing adequate validation, including : - A signed agreement or contract - A complete payment history - Proof of ownership or assignment of the debt - Documentation supporting the accuracy of the reported balances Simply stating that documentation was mailed or directing me to a website does not satisfy the requirements of proper debt validation. Under the Fair Credit Reporting Act ( FCRA ), all reported information must be accurate and verifiable. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to proper validation of any alleged debt. At this time, Midland Credit Management has failed to meet these requirements. Requested Resolution : I am requesting the immediate deletion of all remaining Midland Credit Management accounts from my credit report due to : XXXX. Failure to provide adequate validation XXXX. Inconsistent and unreliable reporting ( including deletion and status changes after dispute ) XXXX. Inability to substantiate the accuracy of the information being reported If Midland Credit Management is unable to provide full and proper validation, they must cease reporting these accounts to all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I am submitting this complaint regarding Credit Acceptance and their handling of my account, as well as the inaccurate reporting of that account to the credit bureaus. The account in question was closed in XX/XX/XXXX. However, in XX/XX/XXXX, XXXX XXXX accepted funds on this same account despite its closed status. This raises serious concerns regarding both the legitimacy of accepting payments on a closed account and the accuracy of how this account is being reported. Additionally, my credit report previously reflected that this account was closed as of XX/XX/XXXX. It has now been updated to show a closure date of XX/XX/XXXX, which is inconsistent and misleading. This discrepancy suggests that the account information being furnished is inaccurate and not in compliance with fair credit reporting standards. Based on these issues, I am requesting the following : A full investigation into why funds were accepted on an account that was already closed. A refund of any payments accepted in XX/XX/XXXX, as they should not have been processed on a closed account. Immediate correction of the inaccurate reporting, including restoring the original account closure date of XX/XX/XXXX. If the inaccuracies can not be corrected, I request the complete removal of this account from my credit report. Please provide documentation supporting the acceptance of these funds and any changes made to the account status. I expect a timely resolution to this matter in accordance with applicable consumer protection laws. Thank you for your attention to this issue. Sincerely, 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 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: IL

Complaint narrative:
I am filing a formal complaint against U.S. Bank regarding the sudden and unjustified closure of my credit card account ending in XXXX. My account was in good standing at the time of closure. I had a credit limit of {$1000.00}, maintained a low balance, and had no late payments or delinquency history. There were no prior warnings, notices, or opportunities provided to remedy any alleged concerns before the account was closed. This action has negatively impacted my credit profile, including a decrease in my credit score, which affects my ability to access credit and favorable financial terms. I believe this closure was unfair and lacked transparency. Financial institutions have a responsibility to act in good faith and provide clear reasoning when taking adverse actions that affects consumers.

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 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
My checking account with M & T Bank was closed without prior notice on XX/XX/year>. At the time of closure, the account held approximately {$16000.00}. I was instructed by the bank that I needed to appear in person at a branch to obtain information about my account. I traveled from Florida to New York to do so. Upon arriving at the branch, I was informed that they could not provide me with my account balance, could not release my funds, and that I would need to wait up to XXXX days for a check to be mailed. The bank has not provided any documentation confirming the balance being returned, nor a clear timeline for when I will receive my funds. I am requesting immediate confirmation of my account balance and prompt release of my funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation