vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
I am filing a formal complaint against NCB Management Services , Inc. for egregious violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., for reporting inaccurate, unverified, and unauthorized collection data on my consumer credit files. First, I have no record or memory of ever entering into a contractual agreement with this company, nor did I ever grant them explicit authorization to access, store, or furnish my personally identifiable information ( PII ). Under 15 U.S.C. 1681b, a collection agency must possess a verifiable permissible purpose to report consumer data. I demand that NCB Management Services immediately produce the original signed application, consumer contract, and complete chain of title proving they have the legal right to report this information. Second, a review of my credit reports reveals that NCB is in direct violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which mandates that furnishers provide completely accurate information to consumer reporting agencies. This company is reporting highly contradictory metrics across the repositories : XXXX and XXXX report this collection account as an " Open Account '' with a {$1800.00} balance. XXXX is completely missing this status, creating a severe reporting discrepancy on the exact same account. A debt collector can not legally report an account as " Open '' as that status is reserved for original creditors under XXXX guidelines, which misleads anyone reviewing my report. Furthermore, under 15 U.S.C. 1681i, any data that can not be verified with absolute mathematical accuracy must be permanently deleted. Because this data is inconsistent and lacks contractual verification, it can not legally remain on my files.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
XXXX XXXX I XXXX XXXX have off my capital one credit card, it was charged off, I pay it off in full, on it still on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Fig Tech Inc.
State: GA

Complaint narrative:
I am filing a formal complaint against Fig Tech Inc for blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and for reporting non-permissible, inaccurate, and unverified transactional data on my consumer credit files. First, I have no record or memory of ever executing a valid contract or providing explicit authorization to this entity to access, store, or furnish my personally identifiable information ( PII ). Under 15 U.S.C. 1681b, consumer reporting agencies and furnishers are strictly prohibited from utilizing or distributing a consumer 's credit data without a permissible purpose or explicit consent. I demand that Fig Tech Inc produce the original digital contract, complete with verified electronic signature logs and IP address tracking, to prove they have the legal right to report this data. Second, a review of my credit files reveals that Fig Tech Inc is in direct violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which mandates that furnishers of information provide accurate data to consumer reporting agencies. This company is reporting fundamentally conflicting metrics across the bureaus for the exact same account : XXXX reports the Date of Last Activity as XX/XX/year>. XXXX reports the Date of Last Activity as XX/XX/year>. XXXX reports the Date of Last Activity as XX/XX/year>. These severe inconsistencies prove a complete systemic failure to maintain or report accurate accounting records. Under 15 U.S.C. 1681i, credit repositories and furnishers must completely delete any data that is found to be inaccurate, incomplete, or completely unverified during a dispute. Because this data is mathematically impossible and contradictory, it can not be legally verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IN

Complaint narrative:
I made an over payment on a loan I paid off in full. The over payment was due to the XXXX time payment not being drafted before my XXXX. This occurred on XX/XX/year>. My loan balance shows- {$280.00} and MOHELA refuses to issue a refund despite my request on XX/XX/year>.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-01 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: FL

Complaint narrative:
I am filing this complaint regarding LVNV Funding 's continued collection and credit reporting of an alleged XXXX XXXX XXXX account despite multiple disputes and requests for validation. I have repeatedly requested validation of this alleged debt and specifically requested documentation including a signed agreement, complete payment history, chain of assignment, and documentation establishing LVNV Funding 's legal authority to collect and report this account. The company has failed to provide the requested documentation. Instead of providing competent validation, LVNV Funding has continued to report the account to the credit bureaus. I have disputed this account multiple times directly with LVNV Funding and through the credit reporting agencies. Despite these disputes, the account continues to be reported and repeatedly verified without providing sufficient supporting documentation. The reporting contains inconsistencies and questionable data fields, including classifications such as " Factoring Company Account '' and " Unknown Loan Type. '' The account has also been reported differently among the credit bureaus. The reporting has been inconsistent among the consumer reporting agencies. At one point the account was no longer appearing on my XXXX credit report, but later reappeared. This inconsistency raises additional concerns regarding the accuracy and reliability of the information being furnished and verified. I also disputed this information with XXXX. XXXX informed me that it would not reinvestigate because the information had previously been verified, despite my continued challenges regarding the accuracy and completeness of the reporting. I am requesting that LVNV Funding provide competent evidence supporting the accuracy of its reporting and its legal authority to collect and furnish information regarding this account. If the account can not be fully verified with complete documentation, I request deletion of the account from all consumer reporting agencies. I am seeking correction of inaccurate reporting and compliance with all applicable provisions of the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I am submitting this formal complaint against Bridgecrest Credit Company regarding the unlawful repossession of a XXXX XXXX XXXX and the continued reporting of a {$16000.00} charge-off/balance on the credit report of an XXXX XXXX United States service member. The vehicle was taken back by the credit grantor without Bridgecrest first obtaining a valid court order. Annotated and updated on the credit report as of XX/XX/XXXX. This action is in direct violation of the Servicemembers Civil Relief Act, a federal law that protects active duty service members from certain collection and repossession actions. Under the SCRA, creditors are prohibited from repossessing a service members vehicle without first filing a lawsuit and obtaining approval from a judge and a court order. Bridgecrest did not provide evidence of a court order authorizing the repossession. Bridgecrest also did not provide a valid written waiver request signed by me the service member waiving my SCRA rights. SCRA rights may only be waived through a valid written waiver, and such a waiver must meet legal requirements. Because Bridgecrest repossessed the vehicle without a court order and without a valid SCRA waiver, the repossession was unlawful. As a result, Bridgecrest should not be permitted to continue reporting a remaining balance or charge-off arising from an illegally obtained repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XXXX is known to commit blatant fraud. On XX/XX/year>, I made a purchase after being assured by an ad and the agreement there would be no ads, no exceptions. Instead, I am constantly bombarded by both spam accounts and ads. I contacted XXXX the week of XXXX. XXXX is not attempting to claim the contract said something other than what it originally said. This is fraud -- inducement of a contract of another with no intention of performing their contractual obligations. Here, I paid ~ {$260.00} for a product to have no ads, and instead I am constantly getting ads. It is further worth noting that XXXX has a grade of " XXXX '' with the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: NM

Complaint narrative:
I closed my XXXX account XXXX XXXX of XXXX. They continued to bill me through XXXX. I called customer service and they issued a refund for overpayment in XXXX of XXXX. Toward the end of XXXX XXXX sent me to collections, and then it went away. In XXXX of XXXX XXXX again sent me to collections for a different amount, but still for XXXX. I used XXXX to dispute and showed that I received a REFUND from XXXX after my account was closed. This is now the third time being sent to collections after showing that I do not owe any funds! This is now 3 years old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I recently discovered that a Navy Federal account was opened and/or used without my authorization. I do not recognize this account and did not apply for, open, or benefit from it. I believe this account is the result of fraud or identity theft. I have disputed the account and am requesting a full investigation, removal of any inaccurate information reported to the credit bureaus, and written confirmation of the results. This fraudulent account has negatively impacted my credit profile and should not be attributed to me. I request that Navy Federal correct its records and remove all related derogatory reporting immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Novo Platform Inc.
State: MD

Complaint narrative:
On XX/XX/year>, I filed a dispute with Novo regarding seven unauthorized transactions totaling {$2100.00} on my card ending in XXXX. The charges, all from merchant XXXX ( XXXX ), posted between XX/XX/XXXX and XX/XX/year> and were not authorized by me. My account was compromised. The individual amounts were {$1000.00}, {$330.00}, {$200.00}, {$500.00}, {$50.00}, {$30.00}, and {$10.00}. Numerous additional XXXX charge attempts on the same dates were declined, further evidencing the compromise. I reported the fraud promptly. I requested a provisional credit and was told Regulation E does not apply because this is a business account. I then requested a courtesy credit and was told Novo does not provide one. I asked for an expected investigation timeline and was told there is no exact timeframe, but that the team is allotted up to 120 days. Being deprived of {$2100.00} in stolen funds for as long as 120 days, with no interim relief, is an unreasonable hardship for clearly documented fraud that I reported immediately and have fully cooperated on. Resolution Requested 1. A provisional or courtesy credit of {$2100.00} while the investigation is pending. 2. A firm expected completion date for the investigation. 3. Confirmation of whether the card networks zero-liability fraud policy applies to these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
" I have full access to my logged-in Robinhood account, but I can not withdraw my funds because the system demands an SMS text verification code sent to my landline. XXXX front-line support has closed my case XXXX XXXX XXXX XXXX XXXXXXXX separate times XXXX XXXX XXXX XXXX without a resolution. They are holding my cash hostage by refusing to provide a voice callback option, ID upload link, or an alternative verification bypass. '' In short, RH has seized over {$15000.00} without a court order in sync of being deliberately ignorant of the one-time-code XXXX method not working on landlines or free XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc.
State: WA

Complaint narrative:
My complaint is regarding CBE Debt Collection group. The first text message came in on XX/XX/year>. It said that I owed for a XXXX bill. I don't have, nor have I ever had XXXX. The second was XX/XX/XXXX. I clicked the link and it had a name of Twilla S. That is definitely not my name. I called the company and informed them they had a wrong number. The XXXX text came in on XX/XX/XXXX. I called again and told them they had the wrong number and to quit texting me. XXXX text came in on XX/XX/XXXX. XXXX text message came in on XX/XX/XXXX. I don't owe this debt, it is not my debt and I have repeatedly asked them to quit contacting me. This is harassment and it needs to stop!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Consumer : XXXX XXXX Email : XXXX Subject : Wells Fargo Credit Card Dispute Services Not Received I am filing a complaint regarding a disputed charge on my Wells Fargo credit card ending in XXXX. On XX/XX/year>, I purchased airline travel through XXXX. The transaction included a charge of {$720.00} from XXXX XXXX XXXX and a charge of {$100.00} from XXXX, plus additional fees, for a total of approximately {$880.00}. Although my credit card was charged, I never received an airline ticket, ticket number, itinerary, booking confirmation, or any proof that the reservation was successfully issued. Because I never received the ticket, I was unable to use the travel service that I paid for. I disputed the charges with Wells Fargo. During the dispute process, Wells Fargo replaced my credit card. However, the disputed amount has reappeared on my account statement. Wells Fargo has never provided me with a written explanation of the investigation, the evidence reviewed, or the reason why the disputed charges were reinstated. I have not received any determination letter regarding the outcome of the dispute. I am requesting that Wells Fargo provide a complete explanation of the investigation, including any evidence showing that a valid airline ticket was issued and delivered to me. If Wells Fargo can not demonstrate that the travel service was provided, I request that the charges totaling approximately {$880.00} be removed from my account. Thank you for your assistance. Sincerely, 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 monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TClub Inc
State: VA

Complaint narrative:
Money taken, never delivered avoid this service I used Abound to transfer money to XXXX and it has been an awful experience. They debited my US account three weeks ago and promised the funds would reach the XXXX account within 5 days. It is now three weeks later and nothing has been credited. Every time I check the status, it just says the transfer will complete in the next few days and it has shown that same message for two weeks straight. Nothing changes. Customer service has been completely unresponsive. I have sent multiple emails and received no reply. At this point they have taken my money and failed to deliver it as promised, with XXXX communication. I would strongly warn anyone against using this service for international transfers. If this happened to you, heres what actually helps : 1. Dispute the charge with your bank. They debited your account and didnt deliver the service, so you may be able to file a dispute or chargeback to get your money back. 2. File a complaint with the CFPB ( Consumer Financial Protection Bureau ) at consumerfinance.gov. They handle international money transfer complaints, and companies tend to respond quickly once a regulator is involved. XXXX. Keep all records screenshots of the next few days status, your debit confirmation, and every unanswered support email. Youll need them for any dispute.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: NV

Complaint narrative:
I purchased a vehicle for {$18000.00} financed through American Credit Acceptance. I have made nine payments totaling {$5300.00}, though not all were on time. The current payoff amount is still approximately {$19000.00}. By the end of the loan I will have paid roughly {$40000.00}. When I spoke with the dealership, they admitted that I would have to pay about three years of payments before any of my money starts reducing the principal balance. No one disclosed this to me when I bought the car. I was never told that my payments would go almost entirely to interest for years while the principal barely moved. I am requesting a full accounting of how every payment has been applied and an explanation of the loan terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My last BOA statement for XXXX, XXXX indicated that I owed {$2500.00}. I sent two checks {$1900.00} & {$660.00} to pay the owed amount. However, using my XXXX XXXX " bill pal '', I realized that the {$660.00} check was sent using my old BOA credit card number instead of the new card. Thinking that this error might cause a problem, such as a late payment charge, I contacted BOA and had them electronically withdraw {$660.00} from my checking account on XX/XX/XXXX. I called BOA the next day and they assured me that the {$660.00} was applied properly to the right account and there was no problem. Since my bill was paid by the first two checks, I asked them to reverse my payment of {$660.00} back into my account, to which they agreed. On XX/XX/XXXX the {$660.00} was returned to my account. However, BOA told me that I still owed {$660.00} since the {$660.00} check was retrurned to my bank for which they provided no reason. I contacted my XXXX XXXX and they assured me that no check was returned and everything was fine. I called BOA for an explanation of their lies but they kept insisting that they were correct. I then cancelled my credit card since I did not wish to continue with a bank so deplorable in their dealiongs. Needless to say, I have no intention of paying the {$660.00} they are requesting. Can you please assist me in this matter?

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