vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: OH

Complaint narrative:
XXXX lowered my credit score due to a fraudulent claim by Ability Recovery LLC for {$550.00} from XXXX from a XXXX transaction years ago. I have never used XXXX or had a XXXX account and knew this was not my debt. I called Ability Recovery and they said the debt was mine. I asked them to send me proof that the debt was mine. As of today I have never received any proof. I filed a police report # XXXX. I sent the police report to XXXX and they removed the claim from their website. Today I saw the same claim on XXXX. I have mailed the police report to them today. I also sent the police report to Ability Recovery LLC today and asked them to remove the claim from their records and also from XXXX. To date this claim has not appeared on 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 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Debt collector sent notice, Once I sent validation request, I was sued 3 days later without response to my letter or production of documentation. I have a attached a snapshot and timeline summary. I have more information upon request. I can provide a packet prepared for trial.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
Calvary Portfolio is attempting to collect a debt on behalf of XXXX XXXX. I have sent them a certified letter requesting validation of this alleged acct and all payment history to validate the debt amount of {$2000.00}. I have received no response. They have fraudulently reported this invalidated debt to all three of my credit reports causing severe damage to my credit reports. I have proof of violations of the following laws, 15 USC 1681S-2 ( a ), 15 USC 1681s-2 ( b ), 15 USC 1681e ( b ), 15 USC 1681i ( a ), 15 USC 1692e ( FDCPA ), and 15 USC 1692f ( FDCPA ). I have proof thats the balance they have posted on my credit bureaus is false and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I started a car load with TD Auto Finance through my dealer on XX/XX/XXXX I started auto payment from my checking account monthly. There was a problem with a payment that was paid and cancelled on XX/XX/XXXX. I was never informed that I was now behind XXXX payment. All following payments were then XXXX XXXX late. This continued until I was notified of an over due balance of {$900.00} via a phone call in XXXX of XXXX. I tried to dispute the overdue charges since I hadn't missed a payment and didn't realize I was behind one payment until they notified me over XXXX years later. I asked for any letters that they had sent since I wasn't signed up for their on line portal and I was unaware of being behind on a payment. I also asked to be escalated to a manager stalled and run in circles every call on every call. The only thing they offered was a single assessment waiver on XX/XX/XXXX. I recently paid off the load and was going to let this go since it wasn't worth the fight. Unfortunately, when I paid off my loan they still took out the next months payment. They said it was mailed but I never received it. Then I asked for another check to be run on XX/XX/XXXX. It is now XX/XX/XXXX and the new check hasn't been cut or delivered. I was able to pay off the loan with the {$900.00} penalty included but I know other people that aren't in the same position. I feel that it was certainly TD Auto Finances responsibility to contact a customer that was making automatic monthly payments for almost XXXX years to inform them that they were behind XXXX payment since the beginning of their loan. I never received a bill, notice or phone call from TD Auto Finance unitl almost XXXX years into my load.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken
State: CA

Complaint narrative:
On XX/XX/year>, Kraken restricted my account without any reason, preventing me from withdrawing funds. I deposited XXXX USD into my account using my own bank account balance, but now they have restricted my account and refuse to provide a reason for the restriction.

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 2026-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
Greetings, I received a Borrowers Defense discharge for my federal student loans and my account reflects a XXXX balance with a negative balance of XXXX, which I believe to represent the refund owed to me. It is over XXXX months since the discharge. I have contacted my loan servicer multiple times, but I am not getting clear answers. When I ask about the negative balance, I am told vague statements such as it was escalated in XXXX, the assigned agent left notes in XXXX and nothing since so therefore it is " processing '' or in a " calculation stage '' without confirmation whether the negative balance which was not there before, is coded as a refund

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Village Capital & Investment LLC
State: TX

Complaint narrative:
I am filing a complaint against my mortgage servicer, Village Capital, regarding improper escrow collection and servicing practices. I am a veteran with a XXXX XXXX VA XXXX rating, which qualifies me for a full property tax exemption in XXXX. This exemption has been : Approved by XXXX XXXX Verified and processed by the taxing authority Made retroactively effective to XX/XX/year> Submitted to and received by my mortgage servicer Despite having received and acknowledged this documentation, my mortgage servicer continues to : Collect escrow for property taxes that are no longer legally owed Increase my monthly payment from approximately {$3600.00} to {$4500.00} Require me to pay an alleged escrow shortage based on taxes that have been eliminated The servicer has stated that they will not adjust my escrow account until they receive a refund from the county. However, this position ignores the fact that : The tax obligation has already been legally removed and backdated The escrow account should be updated to reflect the current and accurate tax liability ( which is {$0.00} ) Continuing to collect these funds imposes an unjustified financial burden

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: NC

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
I have thiXXXX XXXX XXXX for almost XXXX years and i was told that my card was closed to the fact that i made mulitple debit cards and they deemed that as fraud in thei guild lines i have been paying off what what i can but i woukd like thisnoff my report because i was Never late it was Closed because i laid to many time ms im XXXX months doing different debit cards and it hurt my score they jusy closed my account sfter making multiple payments and in will like it off My credit card

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was recruited into an online job task platform on XX/XX/year> that promised remote work and earnings for completing simple tasks. The platform instructed me to purchase cryptocurrency through XXXX using my debit card and apple pay. I then transferred the cryptocurrency to external wallet addresses provided by the platform in order to complete tasks and unlock earnings. The platform showed fake earnings and provided a small initial payout of approximately {$15.00} to build trust. After that, I was repeatedly told I needed to deposit more cryptocurrency to continue and to be able to withdraw my funds. When I attempted to withdraw, I was blocked unless I sent more money. I realized this was a fraudulent scheme when I was continuously asked for additional deposits and could not access my funds. I lost approximately {$1800.00} in total. I am reporting this as a cryptocurrency job task scam involving deception and manipulation.

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 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NC

Complaint narrative:
I have verified who I am in more ways then one and cash app still refuses to give me access to my old account or my {$300.00} left on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: OK

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: OK

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
I received an email from my Credit Union stating an new account was open it was late in the afternoon when I received it by the time I was able to talk to Credit Union the person I needed to speak to had left for the day. So today I contacted all 3 credit bureaus to dispute the charges then I called Jefferson Capital System LLC they are the ones that are trying to charge me I found out it was for XXXX XXXX of which I never had an account with them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint against Wells Fargo regarding an improper setoff from my joint checking account. On or about XX/XX/year>, Wells Fargo removed approximately {$7000.00} from my account to satisfy a credit card debt owed by the co-account holder. While I understand that banks may claim a right of setoff, the funds in this account are derived from my employment income, and I am not responsible for the credit card debt. The co-account holder has no independent income, and the funds in the account are funded by me. Wells Fargo failed to properly determine the ownership of the funds before exercising its right of setoff. By taking these funds, Wells Fargo improperly used funds belonging to a non-debtor to satisfy another persons debt. I did not authorize this action. I contacted Wells Fargo and requested an explanation of how they determined ownership of the funds prior to the setoff, but I did not receive a clear or satisfactory response.

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 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing in response to an account listed on my credit report that your company claims I owe. I am requesting full validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). I do not recall entering into any agreement with your company, and I am formally requesting that you provide verification that this debt is valid and that I am legally responsible for it. Please provide the following : The original creditors name and address The original account number The amount of the alleged debt, including any fees or interest Copies of any signed contracts or agreements bearing my signature Proof that your company has the legal right to collect on this debt Documentation showing how and when this debt was transferred or sold to your company Proof that my personal information was legally obtained and authorized for use Additionally, I am concerned that my personal information may have been shared or sold without my authorization. If you are unable to provide proper documentation verifying this debt, I request that this account be removed from all credit reporting agencies immediately. During this validation period, you must cease all collection activity, including reporting this account to credit bureaus, until verification is provided. If you can not validate this debt, I expect this account to be deleted from my credit file and written confirmation sent to me. This letter is not a refusal to pay, but a request for validation pursuant to the Fair Debt Collection Practices Act. Please respond within 30 days of receipt of this letter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MS

Complaint narrative:
I called the number on the back of the chime card and talked to somebody for 51 minutes and 59 seconds and when they hung up the phone XXXX dollars disappeared out of my account and still aint been put back in they said they had to reinstate my account and the money would show up 20 minutes after I logged out of the app and logged back in but my money never showed up I have even filed a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I was contacted by XXXX, by telephone, numerous times beginning in approximately the year XXXX. They claimed that I had a past due amount payable to them in the amount of {$2500.00}. They asked me to verify a phone number and address that they had on file for me. Neither of which were mine. I explained to them that I have never owned a XXXX phone or had a XXXX account. I asked them to supply me with an itemized bill for the charges. In response to my request, they sent me a bill stating the past due amount with no explanation of the charges. Sporadically over the next two years, XXXX or a collection agency contacted my by phone or mail to request that I pay this debt. I again requested an itemized statement each time that I communicated with them. They continued to send me past due amount statements with no explanation. In XXXX I spoke with them by phone and suggested that this could be a case of fraud or identity theft. They insisted that this was not possible. In XXXX I filed an identity theft report with the Federal Trade Commission. I provided a copy to XXXX with I letter explaining why I believed that this was not my debt. Since then I have received no communication with XXXX or their collection agency. This month ; however, I began receiving text messages in regard to a XXXX debt from a collection agency. I receive many spam messages via text and ignored the first message. I am cautious about responding to messages from unknown phone numbers. I will not open attachments or click on links that I am unsure of. I have been the victim of fraud and identity theft several times. After receiving the second message this month, I felt that it was time to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wels Fargo bank constantly freeze my account after verification then attaching new verification process questions. Their harass the account holder and asking me over ten year old security questions which I open with this bank 10 years ago. They know Im the account holder. THEY ALSO DO NOT HAVE A BANK BRANCH IN THE STATE OF OHIO I OPENED ONE UP ONLINE.

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 2026-03-26 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: OK

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: OH

Complaint narrative:
Validation of Debt Request - HARRIS & HARRIS LTD - XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation