vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: SC

Complaint narrative:
I am filing this complaint against MoneyLion for the illegal withholding of my payroll funds and violations of Regulation XXXX ( Electronic Fund Transfer Act ). I have been a loyal customer for over XX/XX/XXXX years. Timeline of Events : XX/XX/XXXX : My account was compromised. Unauthorized users changed my email and password. I immediately called customer service to regain access and filed a formal dispute for unauthorized transfers totaling {$1100.00} ( sent to an " XXXX XXXX '' ). Along with XXXX deposits totaling {$580.00} has been mentioned but not showing on the forms, which leaves {$600.00} of the amount transferred out that was my money. XX/XX/XXXX : A legitimate payroll check from my employer was auto-deposited into the account. This occurred after the fraud was reported and is entirely unrelated to the investigation. XX/XX/XXXX : MoneyLions " Security & Trust '' department suspended my entire account, including the unrelated payroll funds from XX/XX/XXXX. XX/XX/XXXX : I received XXXX emails from MoneyLion stating that " provisional credits '' were issued for me to use while the investigation continued. Current Status ( XX/XX/XXXX ) : Despite the emails, my account is still locked. I can not access the provisional credit OR my XX/XX/XXXX paycheck. Impact of Withholding : MoneyLion is withholding my wages, preventing me from buying food for my XXXX children or purchasing gas to travel to my job. They are holding legitimate, non-fraudulent funds deposited after the report, which constitutes a severe breach of their duty of care.

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 2026-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
On XX/XX/year>, I noticed some unauthorized transactions in my paypal account amounting to XXXX XXXX XXXX as well as some fraudulent activity in my personal banking account. It has become apparent that my identity has been stolen, as the thief was able to gain access to all my digital banking accounts and applications. In paypal, there were several transactions that I disputed because of this theft. Paypal has continuously closed the cases not in my favor despite me providing police reports and federal trade commission reports outlining the identity theft. They have closed the investigations up to 5 times in a single day, with me immediately appealing the decision. Once, the " investigation '' was closed 7 minutes after reopening it. I have offered them as much evidence as I could possibly provide, and they still are not ruling in my favor or even doing a fair investigation. This is tens of thousands of dollars that I have not authorized and that I can not afford, and it feels like Paypal is refusing to work with me through the worst week of my life. They closed a case in my favor that showed multiple cards being added fraudulently to my account, and yet will not close the cases that involve charges on those cards in my favor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-08 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: Rausch Sturm LLP
State: TX

Complaint narrative:
I received no letters in the mail from XXXX XXXX ( XXXX ) and have proof I forwarded my mail to my new address last summer. I only found out about a lawsuit from XXXX through a defense lawyer offering consumer debt lawsuit defense services in a mailed advertisement. XX/XX/XXXX and XX/XX/year> : Emailed XXXX requesting a call back to my ph XXXX due to multiple failed attempts trying to reach them where they would not answer the phone. I requested their internal file XXXX to try settling debt online but nobody called me back, nobody provided the XXXX internal file XXXX. I explained to them how sick I am ( too sick to go to court ), how financially stressed & struggling I am now that I am having a baby/not going back to work until my baby is school aged XXXX yrs from now, how I intend to file for bankruptcy but was still trying to explore debt settlement with them. They were unwilling to provide me info verifying debt and allowing me to pay it before suing me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Account has been added to credit report without showing proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Consumer Financial Protection Bureau Complaint Regarding : LVNV Funding LLC Consumer : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IL Date of Birth : XX/XX/year> Complaint : I am filing this complaint regarding LVNV Funding LLC and their reporting and collection practices related to an alleged debt originally from XXXX XXXX XX/XX/XXXX LVNV Funding LLC is reporting a collection account on my credit report with a balance of {$510.00}. I dispute the validity and accuracy of this account. In addition, the information associated with this account contains incorrect identifying information. My legal name is XXXX XXXX, not XXXX. Reporting and attempting to collect a debt under an incorrect name raises serious concerns about the accuracy of this account and whether it actually belongs to me. Despite my concerns, LVNV Funding LLC continues to report this account and attempt to collect the alleged debt. Their actions have caused harassment and distress and have negatively affected my credit profile. Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ) and the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ), consumers are protected from inaccurate credit reporting, deceptive collection practices, and harassment by debt collectors. LVNV Funding LLC has a legal obligation to ensure that all information they report is accurate and properly verified. Because this account contains incorrect identifying information and has not been properly validated, I believe LVNV Funding LLC may be violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act by continuing to report and attempt to collect this alleged debt. I am requesting the following actions : XXXX investigation of this account. Written validation of the alleged debt, including proof that I am the correct consumer responsible for it. Documentation showing LVNV Funding LLC has legal ownership of the debt. XXXX deletion of this account from my credit reports if it can not be fully verified. Cease all collection efforts until proper validation is provided. If LVNV Funding LLC can not provide complete verification of this account and prove that I am the correct consumer associated with it, I request that the account be removed from my credit report immediately. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: FL

Complaint narrative:
Got a letter sent to me by hunter warfield inc on XXXX, 2026. I havent got no verification of horses they received the debt out even the original copy of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am disputing charges and account handling by Citibank from several years ago. I no longer have the account number, but Citibank should be able to locate the account using my name, address at the time, and other identifying information. Several years ago, Citibank reported a balance and/or delinquency that I believe was in correct. I attempted to resolve the issue directly with Citibank, but was unable to get clear documentation. The account was eventually closed, and I no longer have access to statements, account numbers, or online records. All this information remains on my credit report and lowers it considerably. I am requesting that Citibank review the account, verify the the accuracy of all information they reported, and provide documentation supporting the charges and status. I am requesting that Citibank : Locate the account using my personal information. Provide documentation showing the charges, balance, and reason for any negative reporting. Provide all information pertaining to the charges that were made. The product purchased, what company, and where it was shipped. Correct or remove any inaccurate information from my credit reports. Provide a written explanation of their findings.

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 2026-03-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The debt is not mine. I request that information is removed from my credit report. Wellsfargo opens accounts fraudulantly

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 2026-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I mistakenly sent a Zelle payment to someone named XXXX XXXX with the cell phone number XXXX. She's registered with Zelle, and a few minutes later I realized my mistake because I had the correct recipient registered under the name XXXX XXXX, with the number XXXX. I tried contacting XXXX and sending her messages without success. I found her mother 's phone number, XXXX XXXX, XXXX. They live in New Jersey, and she confirmed that it was her daughter. I explained the whole situation to her, and she said her daughter would call me back to return the money. Now, no one is answering the phones, and I've reported it to my bank, but they aren't giving me any helpful answers. This happened on XX/XX/year>. The payment was sent through my bank, XXXXXXXX XXXX. My claim number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I sent {$3000.00} using XXXX from my Wells Fargo account to a phone number provided by a person who contacted me through XXXX. After the payment was sent, the individual stopped responding and it became clear that this was a scam. The XXXX payment shows the recipient name as XXXX XXXX XXXX. I immediately contacted Wells Fargo and reported the transaction as fraud within a few hours of sending the payment. I am requesting a full investigation and assistance in recovering the funds if they are still in the recipient account. I have evidence including the XXXX conversation

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 2026-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Inaccurate and Unverified Credit Reporting XXXX XXXX XXXX Complaint : I am filing a formal complaint regarding XXXX XXXX XXXX for inaccurate, inconsistent, and unverified credit reporting. This account is currently being reported as a collection account. However, the account appears to be reported inconsistently and potentially duplicated across my credit file. Additionally, I previously requested validation of this debt. In response, XXXX provided only a billing statement from the original creditor. This does not constitute proper validation of the debt, as it does not establish XXXX legal ownership or chain of assignment. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are required to report information that is complete and accurate. Reporting an account without verifying ownership or providing sufficient documentation is inaccurate and misleading. Under FCRA 611, credit reporting agencies are required to conduct a reasonable investigation. Verification of this account without supporting documentation does not meet the standard of a reasonable investigation. Under FCRA 623 ( b ), XXXX is required to conduct a reasonable investigation upon notice of dispute. Failure to provide documentation demonstrating ownership and the right to collect indicates noncompliance. Additionally, under FCRA 623 ( a ) ( 5 ), the Date of First Delinquency must be accurately reported. I request verification that this account has not been improperly re-aged. Under FCRA 611 ( a ) ( 7 ), I request disclosure of the method of verification used, including the party contacted and documentation relied upon. Given that a fraud alert is present on my credit file, this account requires heightened verification under FCRA 605B. Any unverifiable account must be deleted. This account remains disputed and unverifiable. I request the following : 1. Immediate deletion of this account due to failure to properly validate 2. Removal of any duplicate or inconsistent reporting 3. Documentation supporting XXXX ownership and reporting If this account can not be fully verified with proper documentation, it must be deleted. Sincerely, 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 2026-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On XX/XX/year> I deposited a personal check that was written to me for {$2200.00} at the Bank of America atm into my Bank of America Checking account that I have had for over 5 years and banked with regularly. The atm stated that the {$2200.00} Would cover any charges on account for XX/XX/XXXX and would be available for atm and cash withdraw the following Business day ( XX/XX/year> ). XX/XX/XXXX came along and I still dont have a single dollar available and when I get online and check mobile banking it shows a XXXX line stating a hold is placed on the check and it wont be available until Tuesday XX/XX/XXXX at XXXX. The account holder that wrote me the check Informed me that the money was withdrawn from his account on XX/XX/XXXX ( the same day I was told the money would Be available for debt purchases and atm withdrawals ( one business day after i deposited the check into my account ) How can they lie to me about release date of funds yet take the money from the account that sent it so they know it didnt bounce and was a valid check. What are they doing with this XXXX dollars for a weeks time where it isnt in the senders account or myself the receivers 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 explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
I am filing this complaint regarding Affirms handling of a dispute for a damaged and incomplete order from a merchant financed through Affirm. I received an order from the merchant that arrived damaged and incomplete, with missing pieces. Because the order was not delivered as described, I contacted the merchant to request a full refund. The merchants published shipping policy states that customers are responsible for return shipping fees only when the return is not due to the merchants error. In situations where the order is damaged or incorrect due to the merchants mistake, the policy states that the customer should contact the merchant. This is exactly what I did. I contacted the merchant XXXX separate times by email asking why my refund was reduced and why a shipping fee was withheld when the order was both damaged and missing items. The merchant has not responded to any of these emails. Because the merchant refused to respond or resolve the issue, I opened a dispute with Affirm and provided evidence including : Photos showing the damaged items, screenshots showing reviews from other customers stating that this company has a habit of sending damaged and incomplete orders, Evidence showing the order was missing pieces, The merchants shipping policy, Documentation showing multiple attempts to contact the merchant. Despite this evidence, Affirm repeatedly closes the dispute in the merchants favor. Their explanation was simply that the merchants policy states customers are responsible for shipping fees. However, Affirm is misrepresenting and misapplying the merchants policy. The policy only requires customers to pay return shipping when the return is not due to merchant error. In this case, the order was both defective and incomplete, which clearly falls under merchant error. Affirm has ignored the evidence provided and has failed to properly investigate the dispute. They are allowing the merchant to retain a shipping fee for a return that was caused by the merchant sending a damaged and incomplete order. As a result, I am being forced to pay for a defective order that was not delivered as promised. I have already made multiple attempts to resolve this directly with both the merchant and Affirm, but neither party has corrected the issue. I am requesting the CFPBs assistance to ensure that Affirm properly investigates the dispute and refunds the amount that was improperly withheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am filing a complaint regarding two accounts being reported by Jefferson Capital Systems on my credit reports. The accounts currently appear as follows : JEFFCAPSYS balance approximately {$230.00} JEFFCAPSYS balance approximately {$190.00} These accounts do not belong to me. I never opened or authorized these accounts. I disputed these accounts with the credit reporting agencies and also sent a certified debt validation request directly to Jefferson Capital Systems requesting documentation verifying the debt. Specifically, I requested : The name of the original creditor A copy of the original signed agreement or contract A complete payment history showing how the balance was calculated Documentation showing that Jefferson Capital Systems has legal ownership of the alleged debt Jefferson Capital Systems has not provided proper validation of the alleged debt. In addition, the accounts are reporting inconsistent and inaccurate information on my credit reports. The accounts appear as closed while simultaneously showing account status open with no defined closing date. Under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, information furnished to credit reporting agencies must be accurate and verifiable. Because Jefferson Capital Systems has failed to provide validation and is reporting inconsistent account information, I request that these accounts be deleted from all credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: DriveTime
State: CA

Complaint narrative:
I received an email stating I was approved for a car loan that I did apply for but never actually followed through with leasing renting or buying any vehicle. According to s couple emails it stated that I did. I never did though.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I am an active-duty servicemember spouse requesting military protections on my XXXX XXXX credit card account issued by Comenity Bank XXXX I initially requested benefits under the Servicemembers Civil Relief Act ( SCRA ). Comenity Bank denied my request, stating that the account was opened after my active-duty service began. While I understand their position regarding SCRA eligibility, I believe my request was not fully reviewed for other protections available to active-duty servicemembers. Specifically, I asked that my account be reviewed for protections under the Military Lending Act ( MLA ) and for any available military hardship or servicemember assistance programs. My request was denied without a clear explanation of whether these protections were evaluated. As an active-duty member spouse of the United States XXXX XXXX I am requesting that Comenity Bank : Conduct a full review of my account for Military Lending Act protections. Review the account for any available military hardship or servicemember relief programs. Provide a written explanation of the policies used to deny military-related benefits on my account. I believe servicemembers should receive fair consideration when requesting military-related financial protections. I am requesting that Comenity Bank properly review my account and provide clarification on why these protections were not applied. I appreciate the CFPB assisting in ensuring that this matter receives a proper review. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MT

Complaint narrative:
I am making a complaint against the same company CashApp about not sending me a refund and putting what was stolen from me in the amount of XXXX from my CashApp account it has been four weeks now and like I have already mentioned it has been over three weeks and where is my refund from Cashapp, that was the only money I had to take care of my XXXX children as a single mother and still being unemployed. I think it has taken long enough and should be receiving my refund from CashApp and having only still 90 cents into my CashApp account. Please I have my XXXX children to take care of.

Company response to consumer: Closed with explanation