vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am submitting this complaint against LVNV Funding LLC regarding an account they are furnishing on my consumer credit report, identified as Account Number XXXX, with the original creditor listed as XXXX XXXX XXXX XXXX . I formally dispute this debt and state clearly that I do not owe this alleged obligation. LVNV Funding LLC appears to be using me as a target in an attempt to collect on a debt that has not been properly validated. This account was placed on my credit report without proper prior notification, which is commonly referred to as debt parking. This practice is deceptive and unfair, as it prevents consumers from exercising their right to dispute or validate the alleged debt before it negatively impacts their credit. At this time, there has been no lawsuit filed ; however, the reporting of this account without proper validation raises serious concerns about LVNV Funding LLCs collection and reporting practices. LVNV Funding LLC has failed to provide sufficient documentation to validate this alleged debt or to demonstrate that they have the legal right to collect on it. I have not received any documentation showing a complete chain of title, purchase agreement, or a valid bill of sale that identifies this specific account. Without this information, there is no evidence that LVNV Funding LLC has lawful authority to collect on this alleged debt. Based on these actions, it is clear that LVNV Funding LLC is attempting to pressure me into payment on a debt I do not owe and that has not been substantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I canceled my Capital One credit card and was issued a {$200.00} refund check on XX/XX/2026. As of XX/XX/2026, I have not received it. I have contacted customer service and have not received a resolution. I am requesting that the check be reissued or the refund be provided immediately. I was initially told my refund was issued XX/XX/XXXX, but later told it was only issued on XX/XX/XXXX. I have received inconsistent information and still do not have my {$200.00} refund. As of today XX/XX/XXXX i still have yet to recieve anything. i want my refund immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: GA

Complaint narrative:
Subject : Demand for Immediate Removal of Inaccurate and Unverified Credit Reporting by Hunter Warfield To : Consumer Financial Protection Bureau Regarding : Hunter Warfield , Inc . Date : [ Insert Date ] I am filing this formal complaint against Hunter Warfield for inaccurate, unverified, and damaging reporting on my consumer credit profile. Hunter Warfield has reported a collection account to the credit bureaus that I dispute in its entirety. Despite my dispute, the company continues to report this account without providing sufficient evidence that the alleged debt is valid, accurate, legally enforceable, or properly attributed to me. Their conduct appears to violate multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : Reporting inaccurate or incomplete information Failure to conduct a reasonable investigation after dispute Failure to provide competent evidence validating the alleged debt Continued reporting of disputed information causing financial harm Failure to ensure maximum possible accuracy under the FCRA I demand the following actions immediately : Complete deletion of the Hunter Warfield collection account from all consumer reporting agencies Written confirmation that the account has been removed Cease all collection activity regarding this disputed account Provide all documentation allegedly supporting the debt, including : Original signed contract or lease Itemized accounting Chain of assignment/ownership Proof of legal authority to collect Proof the account belongs to me Hunter Warfield has failed to meet its legal burden to verify this debt with competent evidence. A mere database match or automated verification is insufficient under federal law. This inaccurate reporting has caused significant harm to my credit standing, financial opportunities, and emotional distress. If this matter is not resolved promptly, I reserve all rights to pursue additional remedies available under federal and state law, including claims for statutory damages, actual damages, attorneys fees, and any other relief permitted under the FCRA and FDCPA. I request that the CFPB investigate this matter and require Hunter Warfield to permanently remove the disputed account from my credit profile. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I noticed when I logged into my credit card app that someone had changed my mailing address and ordered a new card without my consent or knowledge. When I asked the customer service representative how this happened and I was not given an alert I was told they did not have that information. They said that they sent me a letter via USPS, however, I let them know that of course I would never have received that notification because the mailing address on my account was already changed. I asked why I didnt receive any sort of electronic notification, and they said thats not their process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: MD

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Skrill USA, Inc.
State: CA

Complaint narrative:
This complaint is a follow-up to my previously closed CFPB case ID XXXX regarding unauthorized transactions on my Skrill account that occurred on XX/XX/year>. My Skrill account was compromised through unauthorized access, resulting in the rapid transfer of {$4200.00} from my account within approximately one minute, including cross-currency transfers to unknown recipients. I did not authorize these transactions or knowingly share my login credentials. Skrill restricted my account and later confirmed that the incident involved account takeover. However, Skrill denied reimbursement and concluded that the activity resulted from credential negligence. Despite making this determination, Skrill did not provide any specific evidence, technical findings, or explanation supporting how negligence was determined. Skrill did not identify what actions or omissions allegedly constituted credential negligence, leaving me unable to independently verify or meaningfully challenge the conclusion. Their response relied on general references to their Terms of Use and stated that additional details could not be disclosed due to internal security restrictions. I requested a reinvestigation, a detailed explanation of the basis for the negligence finding, and reimbursement of the disputed funds if the transactions are determined to be unauthorized. Because Skrill acknowledges account compromise but has not substantiated its conclusion regarding liability, I am requesting further review of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Two years ago, I had an account with Bank of America. I already explained the situation in my previous claim. In XX/XX/year>, I filed a claim and was told the issue had been resolved and that everything was cleared moving forward. Bank of America informed me that there was no loss on either side and that the matter had been removed from my record through XXXX. However, I have been trying to open a new bank account for months and continue to be denied because of the situation connected to my old Bank of America account. I am requesting that this matter be reviewed and corrected, since I was previously told the issue had been resolved and removed from my record.

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 monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: ID

Complaint narrative:
I am filing a complaint against Portfolio Recovery Associates regarding debt collection and credit reporting related to identity theft. I disputed this account with Portfolio Recovery Associates and notified them that the debt is fraudulent and the result of identity theft. In response, Portfolio Recovery only provided a copy of a statement from the original creditor. A billing statement alone does not establish that I opened, authorized, or benefited from this account, nor does it adequately address my identity theft dispute. Portfolio Recovery did not provide meaningful investigation results or sufficient documentation showing that I am legally responsible for this debt. Despite my dispute, Portfolio Recovery continues collection activity and/or reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Honestly, it was a lot of communication, I dont think it will all fit in this box. I screenshotted it and added it to the attached documents option below. Please let me know if theres anything else you may need. XXXX different charges, one for {$310.00} and {$15.00} Totaling {$330.00} I did not make these charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CIG FINANCIAL LLC
State: CA

Complaint narrative:
Years ago I bought a car from a dealership which eventually broke down and they repossessed it the financial company I haven't had the car for over XXXX years and now they're trying to collect it by garnishing wages

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
I began repayment of my student loans in XX/XX/year>. However, I noticed that my XX/XX/year> payment has still not been transmitted or reflected in the XXXX XXXX XXXX system. I previously contacted MOHELA regarding this issue and was advised that there may have been a reporting delay. During a later call, another representative stated that the matter had been escalated to a manager. As of XX/XX/year>, the payment information still has not been updated. I am requesting that MOHELA : Verify that my XX/XX/year> payment was properly processed, Re-transmit or correct the reporting to the XXXX XXXX XXXX system, and Provide written confirmation once the correction has been completed. Please also let me know if any additional information or documentation is needed from me to resolve this issue. Thank you for your assistance. I look forward to a prompt resolution.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I am submitting this complaint against Midland Credit Management , Inc. regarding its continued collection and credit reporting activities on a disputed alleged debt without providing proper validation. On XX/XX/2026, I sent Midland Credit Management a formal Debt Validation and Notice of Intent to Sue letter via Certified Mail regarding the alleged XXXX XXXX XXXX account referenced by Midland. The letter was delivered and signed for on or about XX/XX/2026. In my correspondence, I disputed the debt in its entirety and requested complete validation including : * a copy of the original signed agreement, * a complete chain of assignment/title, * payment history and itemization, * proof Midland legally owns the account, * and documentation supporting its authority to collect in Pennsylvania. I also specifically disputed the accuracy and validity of the balance being reported. Despite receiving my dispute and validation request, Midland Credit Management has failed to provide meaningful validation or competent evidence supporting the alleged debt. A generic collection notice or unsupported balance statement does not constitute proper debt validation under federal law. I am concerned Midland may continue : * reporting the account to consumer reporting agencies, * attempting collection activity, * or verifying the account as accurate, without first conducting a proper investigation or providing competent documentation. If Midland continues reporting or collection activity without proper validation, this may constitute : * false, deceptive, or misleading representations under the FDCPA, * unfair collection practices, * and inaccurate credit reporting under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CO

Complaint narrative:
This is for a debt that was paid for less to settle to a collection agency back in XXXX XXXX XXXX. They are trying to double collect on me. They keep removing and adding this debt back to my credit report which is negatively effecting my credit dramatically. It is also effecting my employment and my ability to obtain state licenses in my field of work. I unable to obtain lines of credit because of this. I have contacted XXXX XXXX XXXX, the original debtor XXXX XXXX XXXX sold the debt to Jefferson Capital System who uses XXXX XXXX XXXX. XXXX XXXX has sold this debt multiple times and they keep doing this and ruining my credit more and more when it was paid and agreed upon to be completely removed from my credit not a charge off! I have provided my bank statement showing the payoff to Jefferson Capital in XX/XX/XXXX. Essentially the original creditor keeps selling this debt to collection agencies when I already paid one ( Jefferson Capital ) on XX/XX/XXXX. They need to completely remove this from my credit like agreed when I paid it. Reference # with XXXX XXXX original balance was {$730.00}, with accrued fees and interest {$1000.00}, payment agreement was agreed and made on XX/XX/XXXX for {$820.00}. Which is shown on the bank statement they took it from. I called XXXX XXXX again today XX/XX/XXXX as is still shows as a charge off on my credit with a balance of {$1000.00} and " derogatory '' payments for the past 3 years! They told me I have to call Jefferson Capital since that's who I paid. I called Jefferson Capital, they told me they have sent it back to XXXX XXXX requesting to remove from my credit and I need to call them and they can not help me any further. So I paid the debt and they are still killing my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Penn Credit Corporation
State: FL

Complaint narrative:
XXXX XXXX XXXX is contacting my family members about a debt I owe them. Dont know how they got my family members phone number when they love in another state I have proof of thr messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
I disputed this alleged debt and requested complete validation and supporting documentation. I specifically requested account-level documentation, proof of ownership/assignment, complete payment history, verification of the balance being reported, and documents used to verify the information being furnished to the consumer reporting agencies. Instead of providing meaningful validation, the company sent generic account summaries and limited statements that do not fully validate the debt or verify the accuracy of the reporting. The company continued collection activity and continued furnishing information despite my disputes. I believe the investigation was inadequate and that the company failed to properly validate the account after receiving my dispute correspondence. I am requesting a full investigation into the accuracy of this account, all furnishing activity, and the companys compliance with federal consumer protection laws and credit reporting requirements. I am requesting deletion of any inaccurate or unverified reporting and a complete accounting with supporting documentation if the company claims the balance is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: AZ

Complaint narrative:
Dispute NumberXXXX I filed a complaint with the company which is XXXX due to the company closing my account before receiving the items that I had ordered they were unable to give me a refund. XXXX sent me an email stating my order had been cancelled and my account had been closed, I would be receiving a refund, however, XXXX only sent XXXX XXXX dollars ( approximately ) there is still XXXX XXXX dollars owed. The customer service representatives at XXXX haven't been able to assist me because the company XXXX closed the account. I filed a dispute with Credit Karma for the remaining amount that is owed due to not receiving the items nor being able to track the items that XXXX emailed and said we're not coming ( order cancelled ). Credit Karma has denied my dispute without sending any facts of their investigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Fraudulent activity reported to bank on date it occurred XXXX. XXXX taken from XXXX checking. Unauthorized ACH Return form completed at bank. Date was submitted in error XXXX XXXX, so claim closed by bank. No notification to customer. Bank visit on XXXX to follow up and learned claim was closed. Resubmitted form with correct date and told would be resolved in 45 days. No resolution at day 45. Told it would be 60. No resolution at 60 or 90. Boa reps admit it too long but none of the Senior Reps at bank seem to resolve. I have visited the bank over 8 times and spent over 40 hours on phone to no resolution. I am not surprised that there are security issues because when you call for fraud follow up, I could hear agents speaking with other customers asking for tbeir authentication. Today I was told that I was now forwarded to ACH department. I wouldn't have know that or had the contact info because they didnt send it to my online messages as they promised the prior week. They require me to wait for snail mail to authenticate me. Am I in the XXXX XXXX? I am a longtime BOA customer and can not believe this despicable treatment.

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 monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I made an ATM deposit at Chase for {$700.00}. The deposit did not appear in my account, so I filed a claim. Chase initially issued a temporary credit for {$700.00}, but later reversed the credit, stating they could not locate the deposit. I have been informed that the ATM investigation did not confirm the transaction ; however, I believe the deposit was made successfully. I am requesting a full re-investigation of the ATM transaction, including a review of the ATM journal records, cash handling logs ( if applicable ), and any available security footage or system error reports for the time of the deposit. I am seeking resolution and credit for the missing {$700.00} deposit made on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief