vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
CREDIT COLLis falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLis a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/, I placed an online order for {$1200.00}. Within 2 minutes of purchase, I contacted the merchant to cancel due to an ordering error. At the time of cancellation, the charge was still pending and had not settled, and no product had been delivered or accepted. The merchant issued a partial refund on XX/XX/, but retained approximately {$120.00}, stating in writing that the deduction was to cover processing fees. The merchant provided no documentation showing that processing fees of this amount were actually incurred. The merchant also stated the fee was reduced from 15 % to 10 % as a gesture of goodwill, demonstrating the amount was discretionary rather than based on actual costs. I disputed the remaining charge with Citi and provided supporting evidence, including the merchants email and screenshots showing the charge was pending at the time of cancellation. Citi denied the dispute and did not provide evidence that the merchant substantiated the claimed processing fees or that such fees were actually incurred. I am requesting reversal of the remaining balance and waiver of any associated interest or fees, as no product was delivered and no substantiated processing costs were incurred.

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 2026-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
On XX/XX/year>, COLLECTION MANAGEMENT, a debt collection agency, reported a debt allegedly owed to XXXX XXXX XXXX XXXX XXXX to the credit bureaus. I did not authorize this company to contact me regarding this matter. Their actions violate my rights as a consumer under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act. I am formally requesting that they cease all communication with me immediately and remove any reporting related to this alleged debt from my consumer credit report. Also violates XXXX XXXXXXXX XXXX This statute protects patients ' privacy by limiting who can access their medical records and information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NE

Complaint narrative:
I sent a letter to midland credit management via email stating that I needed a validation of debt and to stop contact if they cant provide such information to me. They did not reply, this was sent to them on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX they sent me an email stating they purchased my debt and now I owe them. And thats all they sent me for XXXX account even though they purchased XXXX accounts, never sent a dunning letter, a cure default nor a validation of debt to me upon my request for the XXXX accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
On XX/XX/2025, COLLECTION MANAGEMENT, a debt collection agency, reported a debt allegedly owed to XXXX XXXX XXXX XXXX XXXX to the credit bureaus. I did not authorize this company to contact me regarding this matter. Their actions violate my rights as a consumer under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act. I am formally requesting that they cease all communication with me immediately and remove any reporting related to this alleged debt from my consumer credit report. Also violates Florida Statute 456.057 This statute protects patients ' privacy by limiting who can access their medical records and information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
this account was opened by way of fraud then sold to this company. i have tried to resolve this with this company to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: OK

Complaint narrative:
On XX/XX/year> I tried to use my Wells Fargo Visa card XXXX pay a vendor. At XXXX XXXX of sale the credit card was rejected. The vendor showed me the rejection. I didn't take the time XXXX call Wells Fargo at that point. I paid the vendor by another method. On XX/XX/year> I noticed online that the charge was on my Wells Fargo Visa. This was a charge I did not approve this as it was rejected. I filed a dispute with Wells Fargo on XX/XX/year>. Wells Fargo refuses XXXX reverse the unauthorized charge because I cant prove that I paid the vendor. See attached rejection of the dispute. My complaint is with Wells Fargo. It was their posting of the unauthorised charge that created the issue. I did not sign anything or enter a pin or any other method of approving the charge. This is fraud by Wells Fargo.

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 2026-02-19 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: Block, Inc.
State: IN

Complaint narrative:
I had XXXX orders I got at XXXX, I cancelled both because I wanted to pay with my gift cards, XXXX cancelled my orders and said the bank should refund my money that it was on a temporary hold because it was cancelled they said they cancelled the orders and it was up to cash app to refund my money because they had a temporary hold on my money. XXXX is the one I ordered from, cash app has the temporary hold. I have called XXXX they released the hold but cash app hasn't and cash app won't put my money back on my card. The XXXX amounts was XXXX and XXXX. I would really like my money added back to my card. The date for both of those was XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received XXXX separate envelopes from Wells Fargo bank in the mail. On XX/XX/year> I opened the XXXX envelope from Wells Fargo which was a Wells Fargo VISA XXXX card purchase limit of {$5000.00}. The XXXX Wells Fargo envelope contained a XXXX credit card with a purchase limit of {$8000.00}. I do not have an account with Wells Fargo. I did not apply for any type of credit card or any types of account with Wells Fargo. I immediately called the number XXXX listed on the back of the VISA Debit card. I spoke to XXXX on XX/XX/year> around XXXX and explained to him the issue and that I need to file Fraud for Identity Theft. He stated that this was an active account that he did close out the account. He could not give me a reason or explanation as to HOW this happened. How was an account authorized, approved and opened in my name with all my personal information that I had no knowledge. He gave me a case XXXX XXXX and transferred me to XXXX for the XXXX Wells Fargo which was the XXXX XXXX XXXX since it was a RETAIL active account. Again explaining this serious issue, and answering personal questions to identify myself, XXXX stated he closed the XXXX account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Here is your final resolution request within XXXX characters : I am requesting full resolution of the identity theft affecting my accounts with XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, and XXXX. This includes reimbursement of unauthorized transactions, closure and deletion of all fraudulent accounts, removal of associated balances, late payments, inquiries, and complete correction of my credit reports. I request written confirmation that these accounts are classified as identity theft and permanently blocked from re-reporting. Due to the severity and multi-institution impact, I also request documentation necessary to support an application for a new Social Security number if ongoing misuse can not be fully resolved. I expect prompt investigation and full compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Meta Payments Inc.

Complaint narrative:
Since XX/XX/year>, Meta Platforms , Inc. and the XXXX XXXX XXXX ( XXXX ) have engaged in Procedural Fraud and Bad Faith to block my access to justice regarding case No. XXXX. On XX/XX/year>, I initiated arbitration under the Consumer Rules to recover my withheld funds. On XX/XX/year>, Metas counsel ( XXXX ) committed Procedural Misrepresentation by intentionally misclassifying me as a Business entity to avoid consumer protections and impose predatory fees ( $ XXXX ). On XX/XX/year>, after 38 days of waiting, the XXXX Case XXXX ( XXXX ) acted in collusion with Meta 's counsel by administratively closing my case based solely on the Respondent 's fraudulent request. This action is a direct violation of XXXX XXXX XXXX ( XXXX ), which mandates that only an XXXX a XXXX XXXX decide jurisdictional disputes. This coordinated obstruction has effectively hijacked the arbitration process, turning Metas mandatory arbitration clause into a deceptive trap to prevent individual consumers from seeking legal remedies. This is a clear " Denial of Justice '' and a violation of the Consumer Financial Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: OR

Complaint narrative:
I requested information from patenaud XXXX felex regarding the original loan from national collegiate XXXX how i owe them money. They would not provide the information. They proceeded XXXX garnish my wages until i settled for XXXX a month. I still dont believe that i ever actually borrowed from them. I remember enquiring about consolidation with XXXX XXXX but then said never mind XXXX thought i was done with them. Then 2013 i was sued XXXX then garnished XXXX had. O choice but to settle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
XXXX XXXX XXXX is reporting a small insurance-related collection account that I am attempting to resolve. I have requested validation and attempted to negotiate resolution, but the company has refused to remove the account despite full payment being offered. As the collection agency controls reporting, I am requesting assistance in resolving this matter in a fair and accurate manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: NE

Complaint narrative:
I didnt get a XXXX letter, cure default nor a validation of debt from this company nor did I get anything from them, I just noticed them on my credit report. I also never opened an account with said XXXX XXXX on XX/XX/year> because I live in a state that this company does not operate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Bureaus, Inc.
State: NJ

Complaint narrative:
Ive received calls for months from XXXX XXXX, from XXXX XXXX. They only call and start to ask me for my XXXX or SS to verify them I refuse to give them my information and they wont mail me anything of the supposed debt. Ive asked them to send me something by mail never have. Now theyre calling other people, my ex boyfriend called me today saying he received a call for me from XXXX XXXX XXXX to me this is a scam and now theyre googling anyone associated to me. I am fed up of the calls, I called them today to complain of the calls they refuse to stop and they keep asking me to verify my DOB or SS to them I attached a few of the voicemails and the XXXX sent to my ex boyfriend which this is now causing a huge ordeal to me with that person. Ive erased all their daily voicemails these are a few Ive forgotten.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: FL

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 ) 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 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank, over an XXXX period from XX/XX/year> through XX/XX/year>, allowed {$45000.00} of fraudulent charges from XXXX on my Citibank/XXXX XXXX XXXX credit card account, without tripping any algorithm or its fraud early warning system. I was not in XXXX and had not given my credit card to anyone in XXXX or loaned my card to anyone. The fraud was finally caught and the account was closed on XX/XX/year>. Citibank refused to expedite a new credit card. I receive the new card and within XXXX days it was compromised again because of something Citibank said was the failure to close certain back doors in their security system on XX/XX/year> so the perpetrator was given the new credit card details. That account was closed on XX/XX/year>. Citibank again refused to expedite a new credit card so I did not have a functioning credit card for almost the entire month. I asked for an audit of the accounts and a credit for the membership fee given that this was Citibank 's fault and not mine. Citibank has not provided the requested audit and has refused to credit my membership fee or any portion of it. They have also sent a letter containing XXXX non-functioning phone numbers as the purported contact numbers should I need to follow up, which I do; but the false numbers prevent me from doing so.

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 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am writing XXXX file a formal complaint against Bank of America regarding persistent XXXX harassing debt collection phone calls. I have been diagnosed with XXXX XXXX XXXX, XXXX my condition has severely worsened recently. I have clearly informed the bank through XXXX separate written letters that these constant phone calls are significantly exacerbating my medical condition XXXX causing acute emotional distress. Despite my formal requests XXXX switch XXXX " Written Communication Only, '' the bank continues XXXX call me daily. This harassment has forced my physician XXXX increase my medication dosage XXXX manage the resulting trauma.

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 2026-02-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
HELLO, I AM A CURRENT VICTIM OF IDENTITY THEFT. PLEASE DO NOT ALLOW ANY CREDITORS NOR BANKS TO OPEN ACCOUNTS UNDER MY NAME. MY REAL ADDRESS IS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX AND MY REAL PHONE NUMBER IS XXXX. ANY OTHER ADDRESS OR NUMBER ADDED TO MY CREDIT FILE PLEASE CONTACT ME VIA TEXT OR EMAIL. ALL OF MY CREDIT REPORTS ARE FROZEN ON ALL XXXX BUREAUS AND THERE IS A FRAUD ALERT ON MY ACCOUNT FOR XXXX YEAR. THANK YOU. THIS IS ALSO A FRAUD AS I DID NOT APPLY FOR A LOAN NOR AM INTERESTED IN GETTING A LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
I am writing XXXX formally document XXXX escalate my complaint regarding my loan payout XXXX the unprofessional conduct I have experienced from your representative, XXXX XXXX. On XX/XX/year>, I spoke with XXXX XXXX regarding my loan payout. During that conversation, he refused XXXX allow me XXXX speak with a XXXX or XXXX, which prompted me XXXX file a formal complaint on XX/XX/year> ( Complaint ID : XXXX ). On the morning of XX/XX/year>, I received a return call from XXXX XXXX in reference XXXX the complaint. Unfortunately, this call did not result in a resolution. The only offer presented was a {$100.00} reduction of the balance, which does not adequately address the issue with my loan payout. When I again requested XXXX speak with a supervisor or higher-level representative, XXXX XXXX XXXX XXXX he does not report XXXX anyone XXXX refused XXXX escalate the matter. He further stated that he was not going in circles, referencing prior requests for a XXXX, XXXX then disconnected the call. I find this behavior highly unprofessional XXXX unacceptable. Refusing escalation, misrepresenting reporting structure, XXXX terminating a call when a customer is requesting assistance is not appropriate customer service conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: GA

Complaint narrative:
I am disputing this account as inaccurate XXXX request full validation, including the original signed agreement XXXX complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant XXXX the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled XXXX receive verification of the debt you claim I owe. I dispute the validity of this debt XXXX, as such, I am exercising my rights under the FDCPA XXXX 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. XXXX that you are licensed XXXX 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