vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I disputed a collection account with LVNV Funding and sent a written debt validation request by certified mail. LVNV received my dispute but did not provide proper validation. Instead of sending documentation proving the debt is mine, they only sent a basic statement with my name and address. This is not legally sufficient validation under the FDCPA. LVNV did not provide : A copy of the original contract or agreement Proof they own the debt A complete itemization of the amount Documentation from the original creditor Any evidence showing how the balance was calculated Despite failing to validate the debt, LVNV continued reporting the account to the credit bureaus. This is a violation of 15 U.S.C. 1692g ( b ), which requires all collection activity including credit reporting to stop until proper validation is provided. LVNV also attempted to shift the burden of proof onto me by asking me to provide documents to prove the debt was inaccurate. This is improper. The collector must validate the debt, not demand that the consumer prove it is invalid. I am requesting CFPB assistance to : XXXX. Require LVNV to provide full and proper validation XXXX. Remove the account from all credit bureaus if they can not validate it XXXX. Stop all collection activity until validation is provided XXXX. Investigate their failure to comply with FDCPA requirements LVNV ignored my certified dispute, failed to validate the debt, continued reporting, and sent only a generic statement with my name and address. I need help resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
Car returns to seller, because this car very have to manys problems with engine ( which seller doesnt inform, XXXX months to use car start smoke engine and stop working. Car return to seller, and they charge money fraud. I victim of scam

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am an international client trying to resolve a {$3800.00} charged-off balance. While I can log into the Wells Fargo portal, the system is in a technical deadlock. The only linked payment account ( XXXX ... XXXX ) is closed and can not be used. Attempting to link a new payment method requires " Trial Deposit '' verification, which is impossible to complete as the previous accounts are inaccessible. The portal offers NO functional way to settle this debt other than calling a U.S. toll-free number. I have attempted to contact Wells Fargo 's Recovery Department via their official fax lines ( XXXX and XXXX ) multiple times. All fax attempts were rejected with 'Busy ' or 'Failed ' status. Wells Fargo has effectively cut off all written and digital communication channels for international clients, leaving me with no functional way to resolve this {$3800.00} balance despite my active intent to settle. As a permanent resident overseas with no U.S. phone service, I am physically and technically unable to call. Wells Fargo provides no secure email, chat, or international message center. They are reporting me to credit bureaus while providing ZERO accessible digital channels to negotiate or execute a settlement.

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 2026-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this formal complaint regarding inaccuracies on my Experian, TransUnion and Equifax credit file, specifically concerning the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which reports a balance of {$15000.00} as open with a XXXX past due status and an XXXX designation for XX/XX/year>, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX a {$0.00} balance with a tied up closure notation, as both entries contain information that may be inaccurate, incomplete, and unverifiable, potentially harming my creditworthiness and financial reputation; under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including 1681e ( b ) requiring consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy and XXXX providing the right to request a reinvestigation, I am requesting a thorough and meaningful reinvestigation of both accounts, including full verification of payment history, account status, dates of payments, posting and application of payments, timeline of account activity, and the criteria used to assign the XXXX delinquency and XXXX designation, with a clear explanation of the tied up status on the XXXX account, and I request that any information that can not be fully verified, confirmed, or accurately documented be corrected, specifically ensuring the removal of inaccurate late payment notations while keeping the accounts themselves intact, as it is my objective to maintain accurate reporting of my credit history without disputing valid accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this formal complaint regarding inaccuracies on my Experian, TransUnion and Equifax credit file, specifically concerning the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which reports a balance of {$15000.00} as open with a XXXX past due status and an XXXX designation for XX/XX/year>, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX a {$0.00} balance with a tied up closure notation, as both entries contain information that may be inaccurate, incomplete, and unverifiable, potentially harming my creditworthiness and financial reputation; under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including 1681e ( b ) requiring consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy and XXXX providing the right to request a reinvestigation, I am requesting a thorough and meaningful reinvestigation of both accounts, including full verification of payment history, account status, dates of payments, posting and application of payments, timeline of account activity, and the criteria used to assign the XXXX delinquency and XXXX designation, with a clear explanation of the tied up status on the XXXX account, and I request that any information that can not be fully verified, confirmed, or accurately documented be corrected, specifically ensuring the removal of inaccurate late payment notations while keeping the accounts themselves intact, as it is my objective to maintain accurate reporting of my credit history without disputing valid accounts.

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 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
False Advertisement of merchandise XXXX 5G that will last for XXXX year. I bought XXXX XXXX from XXXX under the assumption that the minutes would last me a year. After trying to activate the first phone, I was unsuccessful because the XXXX agent told me it was not a XXXX phone, but instead a 2 G phone, which people do not sell anymore. I explained that this is what is on the box, and why you are selling a phone that is XXXX years old and can not be activated, and the agent told me to return to the retailer, XXXX. I called XXXX and requested a return label to return the phone. The second phone did not have the XXXXXXXX XXXX as advertised, and I had to pay extra just to be connected to XXXX after waiting XXXX hours or more, speaking to someone overseas on the phone to change my number for XXXX days, with long wait times, so this phone was returned. I was charged each month the wrong amount on my XXXX XXXX order # XXXX, in the amount of {$14.00} for a XXXX XXXX that should have been {$5.00}, and I had to call every month to fix this amount. No one knew who was doing this transaction, so my bank told me to cancel my card to prevent fraud. There is a delay in the distribution center to process the returns, which causes more than a XXXX turnaround to credit my money back to my charge cards. Return item # XXXX XXXX XXXX XXXX {$55.00} Return item # XXXX - XXXX XXXX {$43.00} Return item # XXXX - XXXX XXXX {$43.00} Return item # XXXX - XXXX XXXX - {$47.00} Return item XXXX - XXXXXXXX XXXX XXXX {$25.00} I also had a problem with XXXX deleting on their website the part of the page where a customer can change their credit card method of payment on XX/XX/year>, which was done intentionally to cause problems with making payments online, as I was told to me by the male agent. He said my account would be restricted, so I was unable to change my payment to pay for Item # XXXX on XX/XX/year>. I took a screenshot of that item restricted below.

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 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have disputed this account and the furnisher ( PRA ) failed to provide the underlying original contract from Synchrony Bank. Per the CFPB 's 2023 Consent Order against PRA, they are required to have a 'reasonable basis ' and actual documentation before representing a debt as valid. They have not met this burden.

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 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The attached documents are screenshots of the claim I filed with my bank Wells Fargo regarding the unauthorized and fraudulent transactions from XXXX XXXX respectively with date and amount few months after I have been notified by XXXX that my account has been exposed in the dark web.

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 2026-03-18 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: MOHELA
State: FL

Complaint narrative:
XX/XX/XXXX - Paid off my account balance of {$9400.00} XX/XX/XXXX - Received a paid in full letter. XX/XX/XXXX - Received a notification that there is a {$310.00} balance on my account and they will auto-draft the payment. I was not able to turn off auto-draft because the account was already closed. XX/XX/XXXX - I called MOHELA and asked why there is a balance on the account. They were not able to provide an explanation and they told me to call back in 7 days. XX/XX/XXXX - I called after 7 days and they transferred me to a supervisor who was not able to provide an explanation and told me to call back after 30 days. XX/XX/XXXX - I called after 30 days and the supervisor and they still have no update. They said to call back after 90 days.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-18 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: Chime Financial Inc
State: GA

Complaint narrative:
I am filing a complaint regarding Chimes handling of my unauthorized transaction claim ( Claim ID : XXXX ) totaling {$8400.00} I reported these transactions as unauthorized and provided both an FTC Identity Theft Report and a police report. Despite this, Chime completed its investigation in approximately three days and denied my claim, stating that no error occurred. This is what their response stated after the investigation " Dear XXXX XXXX, Weve completed our investigation of your billing inquiry, and weve determined that no billing error occurred. As part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review. The disputed amount, {$8400.00} will be included in the payment amount due on your next statement as of XXXX. We apologize for any inconvenience you may have experienced. If you have any additional questions or need further assistance, feel free to contact us at any time. Sincerely, Chime Disputes Team '' This timeline strongly indicates that Chime did not conduct a reasonable investigation as required under the Electronic Fund Transfer Act ( Regulation E ). I was not provided with any supporting documentation or any evidence demonstrating that I authorized these transactions. Under Regulation E, financial institutions are required to conduct a good faith and reasonable investigation and must provide documentation supporting their findings upon request. I am requesting : - A full reinvestigation of my claim - Copies of all evidence used in the decision - Proof that the disputed transactions were authorized - Provisional credit while the investigation is ongoing, if applicable This matter involves identity theft and significant financial loss. Chimes failure to properly investigate and provide supporting documentation is unacceptable and appears to be a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My Pal account is transferred so much money for XXXX days and everyday of them XXXX days PAY PAL kept lowering the amount a person could deposit. Then out of nowhere XXXX months ago my Pay Pal got limited access until XXXX days XX/XX/XXXX was the deadline and before that date PAY PAL locked me out my account. I had to contact the XXXX FOR XXXX AND XXXX. NO EMAILS NEVER CAME INSTRUCTIING ME HOW TO WITH DRAW FUNDS. IN STEAD I HAD TO PRESS THEM EVERYDAY AND I FOUND OUT ON MY OWN MY ACCOUNT HAD BEEN MOVED TO XXXX XXXX BEFORE THAT PAY PAY CREATED ME A BUNESSESS ACCOUNT WITHOUT MY KNOWLEDGE OR PERMISSION. I HAVE XXXX PAY PAL ACCOUNTS AND WAS TOLD AFTER THE HOLD I COULD REMOVE MY BANKS AND CARDS FROM THE ACCOUNTS. NOW ACCOUNTS ARE PERMENTY XXXX. AFTER I DID GET MY ACCOUNT BACK I HAD OVER XXXX DEVICE 'S STILL LOGGED IN. AND SAYING NOW SOMETHING WAS WRONG WITH MY ACCOUNT WHY THE CLOSED IT. AFTER SEEING MY ACCOUNT NUMBER ON XXXX FIRST THING I DID WAS TRY TO WITHDRAW MONEY. PAYING MY PHONE XXXX XXXX AND XXXX EVEN LOOKED TRYING TO PAY MY XXXX INTERNET BILL. ACTIVEY HISTORY DONT SHOW THAT BUT SHOW WHAT HAPPENED ON THAT XOOM ACCOUNT A WEEK AGONOW SAYING ANOTHER HOLD ON MY ACCOUNT AFTER A FULL YEAR.I CALLED YESTERDAY MORNING AND XXXX TOLD ME PAY PAL HAD TO LIFT THE RESTRICTION AND CALLED ANOTHER NUMBER. EMAILED THEM XXXX OR XXXX TIMES THE CALLED AGAIN AND pay Pal told XXXX had to help me all the while I am asking for my balance even emailed the question what's my balance and XXXX told me to contact my bank?? PAY PAL told me to ask xoom. They credited accounts without my permission twice a BUNESSESS account then moved my private account to xoom. I email the XXXX bank XXXX time and told me to contact PAY PAL about my cash card account. Now I tried to get my money even tired sending it to my mommy and now it has a limt again. I asked PAY PAL what was my account number and they said my email was the account number and my personal account was the right account I was waiting on. THE BANK DONT WAN NA GIVE ME MONEY CAUSE AM NOT WHITE AS THE WHITE SCAMMERS CALLS AND LEADS THEM ON NOT TO DO PROPER BUNESSESS WITH ME. THEY TRYING TO STEAL MY MONEY AND NOT HELP ME WITH A DIME AFTER DEALING WITH THEM LIEING SAID I COULD REMOVE MY BANKS AND CARDS FROM THE ACCOUNTS BUT THEY JUST STUCK AND THE PHONE NUMBERS KEEP CHANGEING BACK TO OLD NUMBERS AFTER I UPDATED XXXX ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
RE : CITIBANK CREDIT CARD XXXX I HAVE SEVERAL BALANCE TRANSFER SO I PAID THEM OFF ON XX/XX/XXXX. THEN BETWEEN XXXX I TOOK A NEW BALANCE TRANSFER {$8500.00} PLUS ANOTHER ONE {$1400.00}. THE MONTHLY PAYMENT IS {$300.00} FOR 36 MONTHS. PLEASE NOTE THEY OFFERED ME THIS LOAN. IN ADDITION, XXXX ( MY HUSBAND ) MADE ANOTHER PAYMENT COMING FROM XXXX 'S CHECKING ACCOUNT IN THE AMOUNT OF {$79.00} ON XX/XX/XXXX BUT THEY NEVER APPLIED THIS PAYMENT. NO ONE CAN TELL ME WHERE THAT PAYMENT WENT OR HOW IT WAS APPLIED. SO FROM XX/XX/XXXX WE PAID {$79.00} THEN XX/XX/XXXX {$79.00}, ANOTHER ON XX/XX/XXXX {$79.00}. AND FOR THE WHOLE YEAR OF YEAR XXXX TOTAL PAYMENTS OF {$950.00} ( XXXX X XXXX ) AGAIN THEY NEVER APPLIED THESE PAYMENTS. ALSO, THE SAME SCENARIO FOR THE MONTH OF XXXX AND XX/XX/XXXX. ALL I WANT FROM THEM IS TO DEDUCT THESE PAYMENTS FROM OUR BALANCE OR REFUND MY MONEY BACK ASAP. THANK YOU FOR YOUR COOPERATION. SINCERELY, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL 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 non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
This is an aggressive follow-up to my complaint regarding the repossession of my vehicle. I have not received a meaningful response or any serious effort to address or resolve this matter. This lack of action is unacceptable. The repossession is formally disputed due to improper notice and failure to comply with required legal procedures. Your continued delay and inadequate response raise serious concerns about compliance and good faith handling of this matter. I am demanding an immediate and thorough response explaining the basis for the repossession and the actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Received 1099-c XXXX Attorney sent documents to IRS IRS cleared it XXXX Current credit report shows zero outstanding balance Sent three cease and desist emails. No response Have received 17 phone calls from various numbers since XXXX XXXX all linked to Portfolio Recovery Should you require additional information please advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
wellsfargo sent an email stating that my account will be closed on XXXX due to suspected fraud. with my online access disabled. i asked for the access to be enabled so i can transfer my funds out before the closire but they said i have to come into the bank to submit my id. i have explained to wellsfargo and staff severally that i had an accident a month back and unable to go to a branch, i requested alternative methods to enable me submit my id and access my funds but wellsfargo declined. i have tried to make transactions through check but wellsfargo keeps canceling them, they wont give me an alternative and still wont process my transactions. this is not fair. i need access to my funds beofre the closure which is pretty close.

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 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: AL

Complaint narrative:
I purchased two Western Union money orders totaling {$1300.00} on XX/XX/year> at XXXX in XXXX, Alabama for rent. The money orders were accidentally destroyed in the wash before they could be used. I submitted refund request XXXX and provided proof of purchase, including a XXXX transaction history showing the money order serial numbers ( XXXX for {$1000.00} and XXXX for {$330.00} ), purchase date, total amount, and debit card payment confirmation. Western Union responded stating the documentation was insufficient but did not clearly explain what specific information was missing. I have contacted them multiple times requesting clarification on what is insufficient about the document provided, but I have not received a clear response. I also requested that a supervisor or representative contact me directly, but I have not received any response. I contacted XXXX, and they confirmed that the transaction history is the only documentation they can provide. I also contacted my local police department, and they advised they can not generate a report because no crime occurred since the money orders were accidentally destroyed. Despite following all instructions and making multiple attempts to resolve this, Western Union has not accepted my documentation or provided a clear and reasonable path to process my refund.

Company response to consumer: Closed with explanation