vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FIRST PORTFOLIO SERVICING INC
State: NV

Complaint narrative:
I am filing this complaint regarding a Total Visa account that is being reported under my name, which I do not recognize and did not open. I recently received a letter from Total Visa stating that a payment was made on this account on XX/XX/scrub> 2026. However, after contacting XXXX XXXX XXXX XXXX ( the agency currently handling the account ), I was explicitly informed that they have not received any payment on this account at all. This presents a clear and serious inconsistency : Total Visa is reporting that a payment was made on XX/XX/year>2026 The collection agency confirms that no such payment was ever received I did not make any payment to this account, and I did not open or authorize this account. Due to this contradiction, I believe this account is either the result of identity theft or is being inaccurately reported. The reporting of a false payment is especially concerning, as it may be improperly re-aging the account and negatively impacting my credit. Under the Fair Credit Reporting Act ( FCRA ), all information furnished must be accurate and verifiable. This account clearly fails that standard. I am requesting the following : XXXX. Full validation of this account, including : Original signed application or contract Complete payment history Proof of the alleged XX/XX/year>2026 payment ( including payment method and authorization ) XXXX. Investigation into how a payment was reported that the collection agency can not verify XXXX. Immediate removal of this account from all credit reporting agencies if it can not be fully validated as accurate and mine XXXX. Written confirmation that this account has been corrected or removed I am formally disputing this account as not mine and as inaccurately reported. If this account can not be properly validated, it must be deleted from my credit file immediately.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FlexShopper, Inc
State: GA

Complaint narrative:
I discovered XXXX collection accounts related to XXXX on my credit report totaling approximately {$710.00} and {$1900.00}. I contacted the collection company to request information about the debt and to ask what the charges were for. The representative was unable to tell me what the charges or services were for and could not provide any itemized details of the account. I formally requested debt validation, including the original contract and itemized charges. Instead of providing this information, the representative became dismissive and ended the call. Additionally, when I attempted to access my XXXX account, the phone number listed on the account ends in XXXX, which is not my phone number. This raises concerns that my account information may have been altered or that this debt may not belong to me. I am requesting that XXXX and the collection agency provide full debt validation, including documentation showing the charges, the original agreement, and proof the debt belongs to me. If they can not provide proper documentation, I am requesting that the collection accounts be removed from my credit reports with the credit bureaus.I also contacted the XXXX billing department directly and was told that XXXX does not use outside collection agencies. However, a collection account related to XXXX is currently appearing on my credit report. This raises concerns that the collection may not be authorized or may not belong to me. I previously contacted the collection agency and they were unable to tell me what the charges were for or provide documentation validating the debt. The collection account is being reported by XXXX XXXX XXXX XXXX, but they are listed as the original creditor even though the alleged debt is related to XXXX. This appears to be incorrect credit reporting. When I contacted the collection agency, they were unable to explain what the charges were for or provide documentation validating the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Westcreek Financial
State: MI

Complaint narrative:
On XXXX XX/XX/XXXX I received a text stating : " A new XXXX XXXX KOALAFI account was added to your XXXX credit report ''. All 3 of my credit sources are FROZEN and have been for over a year. I DID NOT open that account and want to know how it was allowed to be opened when my credit is FROZEN! The Koalafi account is fraudulent and needs to be closed and whoever issued that credit line needs to be fired immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I reported a fraudulent transaction in the amount of {$500.00} to Chase. The transaction occurred after I was the victim of an impersonation scam in which I was deceived into authorizing a payment under false pretenses. I would not have authorized this transaction if I had not been misled by the scammer. I sent money to a verified admin of a ticket site named XXXX XXXX. ( See photos ). I was later in formed by her coworker that her messaging app had been hacked. ( See photos ) Immediately after realizing I had been scammed, I contacted Chase and filed a fraud claim on XX/XX/year>. Chase issued a temporary credit while they reviewed the claim. Chase later denied my claim, stating that the transaction was authorized. I contacted Chase again and spoke with the Claim Reassessment team. During that conversation, I was told that Chase did not determine that this was not fraud ; rather, because the transaction was authorized, they did not investigate the fraud or the circumstances under which I was deceived into making the payment. My complaint is that Chase refused to investigate the fraud because the transaction was authorized, even though it was authorized as the result of deception and impersonation ( fraudulent inducement ). The core issue is not whether I physically authorized the transaction, but that I was tricked into doing so. I filed a police report after discovering the fraud and informed Chase of this. I am requesting that Chase : Reopen and fully investigate the fraud claim, including the circumstances of the scam and impersonation. Provide the documentation and evidence used in their original investigation. Reimburse the {$500.00} fraudulent transaction. This transaction was unusual for my account, was sent to a new recipient, and was made only because I was deceived by a scammer. I reported the fraud promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Subject : Improper Credit Reporting and Failure to Properly Handle Dispute Capital One I am submitting this complaint regarding Capital One account ending in XXXX. Capital One has already confirmed that fraudulent transactions occurred on my account and issued permanent credits for those charges. However, the issue I am disputing is not the fraud itself, but the handling of my dispute and the resulting credit reporting. At the time of these events, I had notified Capital One that I was disputing activity on my account. Despite this, Capital One failed to properly process or handle my dispute in a timely and compliant manner. As a result, they continued to treat the account as delinquent and reported missed payments to the credit bureaus for the months of XX/XX/year> through XX/XX/year>. Under the Fair Credit Billing Act, creditors are required to properly acknowledge and investigate disputes and may not treat disputed amounts as delinquent during the investigation period. Additionally, under the Fair Credit Reporting Act, creditors must ensure that all reported information is accurate and not misleading. Because Capital One failed to properly handle my dispute, the reporting of late payments is inaccurate and does not reflect the true status of my account during that time. Had my dispute been properly processed, my account would not have been reported as past due. I also requested documentation regarding how my dispute was handled, including when it was logged and how the investigation was conducted. Capital One has not provided sufficient documentation to justify their reporting. I am requesting the following : Removal of all late payment reporting for XX/XX/year> through XX/XX/year> Correction of all credit reporting with XXXX XXXX XXXX XXXX Written confirmation once these corrections have been completed If this matter is not resolved, I am prepared to pursue additional remedies, including further regulatory complaints and potential legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harpeth Financial Services, LLC
State: KY

Complaint narrative:
Sent a letter requesting to cease phone calls on XX/XX/year> as the number they call on is a company/job provided cell phone and only to communicate via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: VA

Complaint narrative:
I looked on my credit report and I see that there is a {$410.00} collection posted on XX/XX/XXXX. I do not know why or where this debt is coming from because I havent opened anything in my name. I would like information and confirmation of this debt sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: United Shore Financial Services, LLC
State: ID

Complaint narrative:
XXXX XX/XX/year> OUR LOAN CLOSED. AT TIME OF CLOSE WE WERE ENTITLED TO SKIP TWO MONTHS PAYMENT. WE HAD ALREADY MADE THE XXXX XXXX XXXX SO WE WERE TOLD IT WOULD BE A PRORATED AMOUNT COMING BACK US. WE HAVE NEVER RECIEVED THAT CHECK. WE MADE SEVERAL ATEMPTS TO GET THIS RESOLVED BUT ALL THEY HAVE DONE IS MAKE EXCUSES AND GIVE US THE RUN ARROUND. THIS HAS BEEN MOST FRUSTRATING. WE WOULD APPRICIATE ANY ASSISTANCE IN THIS MATTER. THE COMPANY IN QUESTION IS U.W.M. ( UNITED WHOLESALE MORTGAGE )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I entered into a motor vehicle purchase and financing agreement for a XXXX XXXX XXXX through XXXX XXXX XXXX XXXX, with financing assigned to Westlake Financial Services. The vehicle was not properly delivered in a functional condition. Shortly after the transaction, the vehicle experienced significant mechanical issues and was returned to the dealership. The contracted vehicle remained in the dealers possession for repairs and was not made available in a usable state. I personally never received, possessed, or accepted the contracted vehicle. The co-buyer, who was the intended driver, was instead provided a loaner vehicle. There was no separate agreement provided for the loaner vehicle, and it was not part of the original contract. Because of this, I did not have a reasonable opportunity to inspect or accept the vehicle under Texas Business & Commerce Code XXXX. Additionally, proper title documentation has not been provided, and I have been unable to verify whether title was ever transferred as required under Texas Transportation Code XXXX. I have not received any formal written notice of a first payment default from Westlake Financial. The first time this was mentioned to me was during a discussion with the dealership on XX/XX/XXXX. Prior to that, I had not been provided any official documentation or notice supporting a default or repossession status. Despite these unresolved issues, Westlake Financial has treated the account as being in default and has indicated that the vehicle has been repossessed. This is disputed. I did not have possession of the contracted vehicle at the time of the alleged default, and the transaction was not completed. I made multiple good-faith attempts to resolve this matter directly. My last response from either the dealership or the lender was received on XX/XX/XXXX. I sent follow-up emails on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These communications were requests for clarification regarding : The status of the vehicle and repairs Title transfer documentation Account status and payment obligations How to properly proceed given the vehicle remained in the dealers possession I received no response to these requests. Due to this lack of communication, I have been unable to verify critical details about the transaction, including the status of the vehicle, title transfer, and the basis for the alleged default and repossession. This complaint is submitted to dispute the validity of the alleged default and repossession and to request a full investigation into whether the contract was properly completed, whether delivery and acceptance occurred, and whether any credit reporting related to this matter is accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

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 2026-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
b'CFPB STATEMENT OF FACTS: XXXX XXXX \nNature of Dispute:\nI am filing this complaint against Truist Bank for a failure to remediate a servicing error under 12 CFR XXXX XXXX XXXX). Truist explicitly acknowledges that I have already paid my XXXX property taxes and insurance directly , yet insists on maintaining a redundant escrow account to disburse funds for bills that are no longer owed. \nII. Chronology of Events: XXXX XXXX XXXX I paid an out-of-pocket escrow shortage oXXXX XXXX XXXXo settle all arrears. XXXX XXXX XXXX A formal Notice of Error was delivered via Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX.\n3XXXX XXXX XXXX XXXX Truist issued a final denial XXXX XXXX. In this response, Truist admits I provided "proof of paying your insurance and taxes out of pocket". \nIII. The Servicing Error:\nDespite acknowledging that my liabilities are paid in full , Truist states they will continue to disburse funds from my escrow account, effectively mandating a "double-payment" scenario. Truist\'s written advice in their XXXX XXXX denial for me to "not pay these items" myself is a reckless servicing instruction that would put my property at risk of tax liens or insurance lapses. \nTruist is ignoring a material change in account risk: \nI have established a dedicated High-Yield "Escrow Savings" Account to ensure the lender\'s collateral is protected, yet they refuse to grant an executive exception for a redundant and financially burdensome service. \nIV. Resolution Requested: \nI request that the CFPB compel Truist Bank to: Grant an Executive Exception to waive the redundant escrow requirement for this loan. Adjust the monthly mortgage payment to the Principal & Interest amount of XXXX. Refund the currently held escrow balance of XXXX to the borrower.'

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 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

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

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 2026-03-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Account paid in full on XX/XX/XXXX Balance owed on XX/XX/XXXX {$43.00} Well Fargo charged interest in amount of {$12.00} Balance XX/XX/XXXX {$31.00} Balance as of XX/XX/XXXX {$0.00} Check dated XX/XX/XXXX {$21.00} I feel tha Im owed XXXX plus interest since they have kept my money.

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 2026-03-23 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:
Validation of Debt Request - MID.LAND CRED XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation