vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am submitting this complaint regarding LVNV Funding LLCs inaccurate and unlawful credit reporting.

LVNV Funding is reporting a collection account on my XXXX credit report in the amount of {$23000.00}, allegedly originating from XXXX XXXX XXXX XXXX. This account was previously removed from my credit report and later reinserted by LVNV under a newly reported date opened, which materially misrepresents the age of the debt and unlawfully extends the reporting period.

This reinsertion occurred without proper notice or certification, and the reporting reflects re-aging in violation of the Fair Credit Reporting Act. LVNV has failed to provide verified chain of title or documentation substantiating its right to report this debt. 
Further, my personal identifying information was compromised in a documented Equifax data breach, placing LVNV on notice of heightened risk of misattribution and requiring enhanced verification. Despite this, LVNV continued reporting inaccurate information. 
LVNVs actions violate 15 U.S.C. 1681s-2 ( b ), 1681e ( b ), 1681c ( a ), and constitute willful noncompliance under 1681n.

I am requesting immediate deletion of this tradeline and confirmation that LVNV will cease reporting this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
Scott & Associates, acting as a debt collector, is attempting to collect an alleged Upstart loan debt on behalf of Jefferson Capital Systems , LLC. I timely disputed the debt and requested full validation.

Scott & Associates did not provide proper validation. They sent a generic contract, a transfer receipt, an excerpt file, and a statement of account activity. These documents do not provide clear proof that they legally own my specific debt or a complete payment history from the original creditor.

They failed to provide a complete chain of title, a bill of sale identifying my specific account, or proof that Jefferson Capital had legal standing prior to filing the lawsuit.

Despite this, Scott & Associates proceeded with litigation and represented that sufficient validation had been provided. Sending partial or generic documents and misrepresenting them as proper validation constitutes a violation of the FDCPA.

I am requesting written confirmation of legal standing prior to filing suit, proper validation of the alleged debt, or dismissal of the lawsuit if such documentation can not be produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am a victim of identity theft following a vehicle theft in which my wallet and personal identifying information were stolen. After this incident, unauthorized charges were made to my Capital One credit card that I did not make or authorize. 

I reported the fraudulent charges to Capital One multiple times. Capital One opened several fraud investigations and initially issued provisional credits. However, Capital One later denied each fraud claim and reversed the credits, stating that the transactions were fees or finance charges, without properly addressing the identity theft or reviewing my supporting documentation. 

I have filed an official FTC Identity Theft Report ( Report # XXXX ). All disputed charges are related to this same identity theft incident. Despite this, Capital One has failed to conduct a reasonable investigation and continues to hold me responsible for unauthorized charges, fees, and interest. 

I am requesting that Capital One reopen and properly investigate all denied fraud cases related to this identity theft, permanently remove all fraudulent charges, fees, and interest, correct any negative credit reporting, and reimburse all amounts improperly charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: NY

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXXis falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company 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 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I was trying to send money thru XXXX twice. Their fraud department blocked it both times. When I called them to complain, i was mad. She asked me for the last XXXX numbers from a different account. I gave her that then she said something and hung up. I have had problems with this department during the holiday season. They blocked a few transactions and actually shut off my ATM card. This is with M & T bank

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 2026-01-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.

Complaint narrative:
We utilized Beyond Finance as a debt solution to resolve roughly {$50000.00} debt. A creditor account that was being negotiated for resolution turned into collections lawsuit in an attempt to collect the outstanding debt. This information was provided to Beyond Finance 's legal team. The outstanding debt was for XXXX XXXX XXXX card with a credit limit of {$8800.00} and an outstanding balance of {$10000.00}. The suit came to judgement in XXXX district civil court Michigan with the settled debt to be paid in amount of {$8300.00}. This was further defined as 4 ( four ) {$100.00} payments monthly starting XX/XX/XXXX and continuing with {$390.00} starting XX/XX/XXXX to be made until complete ( XXXX payments ). The XXXX payment landed on XX/XX/XXXX. XXXX of XXXX we, my wife and I, applied for graduation from the program having settled our final debts. A month later during their review process they provided a resolution in the amount of {$2400.00} for XXXX XXXX account we weren't familiar with, nor were we familiar with the amount. When we attempted to investigate it, it took several pushy solution techs to clarify what this resolution was for. We were given not just misleading but completely false information to include : We had only made XX/XX/XXXX proposed payments on the account and that XXXX XXXX XXXXXXXX had for no reason just decided to cancel it. They had, at no point in time, explained that XXXXXXXX XXXX XXXXXXXX had reached out to them multiple times to let them know there was a problem with the final payment. Instead of investigating this, and fixing it on our behalf, they provided the difference to include the missing payment which had already been deducted from account making the total payback more than the total outstanding balance on the original debt. We have attempted to get some sort of resolution to this however we've been ignored and blown off by XXXX. XXXXXXXX XXXX XXXXXXXX has simply told us that the original settlement amount is voided and the new resolution balance stands as is and we can dispute the debt if we'd like. 

We have kept all documents related to this incident for record keeping.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Portage Financial Services Company Inc.
State: OH

Complaint narrative:
I filed a Lemon Law complaint in Ohio ( XXXX XXXXXXXX ) against XXXX XXXX XXXX XXXX XXXX ( PFSC and carlot are owned by same corporation ). My compliant was filed in the state of OHIO after the XXXX XXXXXXXX XXXX serial XXXX XXXX started cutting off and had to be restarted by jump. Received a diagnostic on card. XXXX stated transmission control box problem XXXX box at outdone {$4000.00}. Generic box {$2500.00}. Contacted XXXX XXXX XXXX the part not covered in warranty. Then I asked finance company for different car. I paid over XXXX for car XXXX was {$8500.00} w/26 % interest. XXXX said they would've give me different car but they would try work something out on a Monday then they picked up the car on that Fri and the car wasn't running when PFSC repo car. I called OHio Atty General office formed me I now needed to file federal compliant as they could no longer investigate on my behalf and picking the car up was a legal dirty trick, since they had contacted XXXX in regards to my claim. I believe they sold me a Lemon. I started having problem after having car 5mons. When I purchased car it had an oil change sticker from XXXX XXXX. I asked did it have XXXX problem they said no. The catastrophic sold at auction within 2wks of repo. XXXX is now seeking money from me for car they illegally picked up that flied a complaint on. I would be relieved of all debt related to this car, I want it off my credit report, and I want my down payment and all monthly payment paid back. 

Thank you XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Deposited a state check on XX/XX/year> and being told theres extended hold on check after a week with no explanation, they would direct me to call a number which would have me hold on for 40 minutes then the person would hang up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
URGENT : Incarceration Notice, Account Compromise, and Demand to Freeze Account To SoFi Bank Compliance Department, I am writing to formally notify SoFi Bank that I have been incarcerated since XX/XX/year>, and during this time my debit card was left in my impounded vehicle. I made multiple attempts to notify SoFi of this situation and to request that my account be frozen due to the risk of unauthorized use.

Despite these attempts, I have been unable to complete SoFis phone-based verification process because I do not have access to the phone number on file due to my incarceration. I am deeply concerned that my account may be actively compromised and that funds may be withdrawn without my authorization.

This email constitutes formal written notice that : My debit card should be immediately canceled.

My account should be frozen pending a fraud investigation.

Any transactions occurring after my initial attempts to notify SoFi should be treated as potentially unauthorized.

SoFi must provide a reasonable alternative verification method due to my incarceration.

Refusing to take protective action under these circumstances places my funds at risk and may constitute a violation of the Electronic Fund Transfer Act and related consumer protection laws.

Please confirm in writing that my account has been secured and advise on next steps. All future communication should be in writing. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I was selling my car and received a check from a fraudster. The check was deposited and then bounced. The bank was notified this was a fraudulent check. I have reported this issue to the FTC. However, now my bank, Ally bank, has frozen my account and will not let me use it while they are reviewing the situation. It has been 5 days since I reported the issue to the bank and I need to pay my bills.

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 2026-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: DE

Complaint narrative:
Tek Collect is reporting a collection account on my credit report in the amount of {$560.00}, allegedly originating from XXXX XXXX XXXX. The account was opened in XX/XX/year> and is currently being reported as an active collection. 

Tek Collect has failed to provide proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ). I have never received documentation showing that Tek Collect has the legal right to collect this debt, including proof of assignment or ownership of the account, nor an itemized statement explaining how the balance was calculated. 

Despite the lack of proper validation, Tek Collect continues to report this account to consumer reporting agencies. Verification through a credit bureau does not constitute legal debt validation, and continued reporting without proper documentation is inaccurate and harmful. 

I am requesting that Tek Collect either provide full and proper validation of the alleged debt, including proof of ownership or assignment, or delete this collection account from all consumer reporting agencies ( XXXX, XXXX, and XXXX  ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica
State: CA

Complaint narrative:
On XXXXXXXX XXXX XXXX I Had a problem where an ATM did not dispense the cash I tried to get. Number on ATM said my bank would have to request the money. I called them XX/XX/year>. After a dropped call and them hanging up on me the second time I FINALLY got through to someone. I gave all required information SS number, name, birthdate, phone number, address, email address and card number. I was transferred to someone that might be able to help me I was instructed that I needed to send a copy ( front and back ) of my photo ID and that it could NOT be expired. Then the lady hung up before I could ask if there was anything else needed. I sent the photo ID. They responded by email on XX/XX/XXXX saying the ID was expired. I responded XX/XX/XXXX stating no its not, please check again. On XX/XX/XXXX I received another email stating there had been nothing attached to my email. I promptly resent the pictures of my ID. XX/XX/XXXX, I received yet another email saying ID was expired. I called again on XX/XX/XXXX. ( every phone call to this bank takes no less than an hour and a half ). During this phone call I was instructed that they just needed more information. Not knowing what else to do and struggling because now they have canceled my card so I cant use the money that was left on my card. I can not pay rent or my storage bill and I cant get gas to visit my son in a coma in the hospital. I had no idea what else I could do. On XX/XX/XXXX I called again to see what else they might possibly need from me because I now will not be receiving my funds for the next month as my card is canceled. They instructed that now I need to submit my Social Security Card AND my birth certificate. I spoke with a manager and explained the situation to her, yet again and asked how they expected me to pay for a birth certificate or next months rent being that I HAVE NO FUNDS? The supervisor would only repeat, like a broken record that There was no way for them to access my account without the social security card and birth certificate! Im a XXXX XXXX XXXX senior citizen and have no idea what to do. Please help me. I have included all information that was sent to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 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: FL

Complaint narrative:
Subject : PayPal Failure to Review Evidence & False " Missing Info '' Denial ( Case XXXX ) The Issue : I purchased a service ( {$1200.00} accommodation ) via PayPal. The seller failed to deliver ( " XXXX XXXX '' ). I immediately disputed the transaction. PayPal denied the claim for " missing information, '' stating I failed to provide evidence. This is factually false. 

The Process Failure ( UDAAP Violation ) : Evidence Suppression : I uploaded conclusive " Alibi Evidence '' ( Flight Logs/Boarding Passes ) to PayPal 's Resolution Center on XX/XX/2026 ( Proof attached ), proving I was XXXX miles away from the alleged service location. PayPal 's automation ignored these uploads and auto-closed the case. 

Agent Misconduct : On XX/XX/XXXX, a PayPal supervisor ( recorded call ) admitted my evidence was valid but refused to provide a channel to submit it, falsely claiming no email existed. 

Negligence : On XX/XX/XXXX, I emailed the Executive Office with the evidence attached. They responded with a generic macro ( see attached " Denial Email '' ) citing " insufficient info, '' proving they did not open the attachments to verify the data.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This complaint is being filed due to Chase Banks failure to follow its own fraud-prevention procedures, including allowing a wire transfer to proceed after a failed verification and employee coaching that bypassed safeguards. I am filing this complaint regarding a wire transfer processed by JPMorgan Chase Bank, N.A. that resulted in a financial loss due to fraud and an unsuccessful wire recall. This loss occurred as a direct result of Chases failure to follow proper fraud-prevention practices and internal safeguards. 

On XX/XX/year>, I initiated a wire transfer in the amount of {$57000.00} from my Chase account. I later discovered that I had been the victim of a fraud scam and immediately contacted Chase to request a wire recall. Although a recall was submitted, Chase informed me that the funds could not be recovered.

Critically, Chase failed to follow reasonable and standard fraud-prevention procedures before allowing the wire to be sent. I did not pass the initial wire fraud verification. Despite this, a Chase branch employee coached me in person on how to respond during a subsequent verification attempt in order to allow the wire to proceed, rather than stopping the transaction or escalating it for review. This action bypassed the very safeguards designed to prevent wire fraud. 

At no time was I advised that my responses raised fraud concerns, nor was the wire halted despite clear red flags. I relied on Chase to exercise reasonable care, adhere to its internal controls, and comply with its obligation to protect customers from foreseeable wire fraud risks. Instead, those safeguards were effectively overridden by bank personnel. 

Once the fraud was identified, I acted promptly to request a recall. Chases failure to prevent the wire from being sent after a failed verification, combined with the unsuccessful recall, resulted in a total loss of funds that I believe could and should have been prevented. 

I am requesting that the CFPB require JPMorgan Chase Bank to : Conduct a full internal review of this transaction, Explain why the wire was permitted after a failed fraud verification, Address the improper employee conduct that bypassed safeguards, and Reimburse the full amount of the wire transfer.

Company response to consumer: Closed with explanation