vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: NY

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 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I purchased a certified diamond from a jewelry shop. I took the diamond to a certified jeweler locally who stated the ring was not a diamond but a man made synthetic, the appraisal was false, the certification was stolen and the ring was worth less than {$10.00}. I notified Bank of America within 5 days of purchase and disputed the charge. They received a merchant response admitting that the ring was a fake yet paid the merchant and failed to refund to me for said fraudulent transaction where I not receive the merchandise sold.

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 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND 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 2026-02-25 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: VA

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 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 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have a Bank of America bank account and credit card. I got an email saying I needed to make a payment but it looked shady/ fraudulent so I went to the branch and spoke to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX and she looked into the validity of the email and said its fraud DO NOT PAY IT. Well a few weeks later I got another email and brought it in and was told again by her DO NOT PAY THIS IT IS FRAUD. Next I get a hit in my credit report for not paying my credit card bill. I never got a statement and knew I hadnt used the card to buy anything so I wasnt looking out for a statement so I went to a branch support supervisor person ; XXXX XXXX and she did research and said oh this email is accurate information and from boa because you recently signed up for overdraft protection that goes through this credit card ( because the other over draft protection I had for like 30 years was now defunct and they switched me to this ) so I explained that I would have paid it immediately if XXXX hadnt told me not to pay this because its fraud and she agreed so she said pay what you owe now Ill waive fees and have them fix your credit back to the original approximate XXXX that you normally had. She did this and my credit report was fixed. Great!! BUT after a few months they reinstated my late payment and brought my score down AGAIN and rescinded everything under the guise that it was accurate to put on my report that I was late. Well TECHNICALLY that is correct but I wouldnt have gotten a hit like this if XXXX ( A BOA EMPLOYEE ) hadnt told me NOT TO PAY BECAUSE ITS FRAUDI called bank o America several times to fix this they told me somehow the wrong code is being given to the credit bureau from boa instead of the correct code stating employee error so it wont get reported on my credit report but it NEVER CHANGES. THEY HAVE SAID THEY FIXED IT SEVERAL TIMES BUT ITS NEVER BEEN FIXED. Credit bureau keeps telling me it wont get changed because I was late and that is accurate. I went a few times to XXXX XXXX XXXX on XXXX XXXX and spoke to management ( XXXX ) and she tried to help but boa says they will change it but it NEVER GETS CORRECTED! Can you please help me out with this so it will be taken off my credit report as it should please? My phone is ( XXXX ) XXXX XXXX Thanks for your assistance in advance

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 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: LA

Complaint narrative:
Validation of Debt Request - PLAZA SERVIC - XXXXXXXX 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 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
I am filing a complaint regarding inaccurate and inconsistent reporting by IQ Data International. The account is being reported with inconsistent Date Opened between credit bureaus ( XX/XX/2025 vs XX/XX/2025 ). The balance ( {$3400.00} ) exceeds the reported High Credit ( {$3300.00} ), which indicates inaccurate reporting. I have not been provided with a signed lease agreement, payment ledger, or itemized accounting to support this debt. This appears to be a violation of the Fair Credit Reporting Act for failure to report accurate and complete information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, multiple unauthorized debit card transactions associated with XXXX XXXX were initiated against my Wells Fargo account in rapid succession. These transactions totaled approximately $ XXXX and were not authorized, approved, or initiated by me. Immediately prior to the unauthorized activity, I received a phishing text message impersonating XXXX XXXX. I believe my XXXX XXXX account and linked debit card information were compromised as a result of this phishing attempt. After discovering the unauthorized charges, I promptly reported the transactions to Wells Fargo and requested a fraud investigation under the Electronic Funds Transfer Act ( Regulation E ). I also took steps to secure my accounts. As of the time of this complaint, the unauthorized transactions were pending or unresolved, and I had not yet received provisional credit or written confirmation that I am not financially responsible for these fraudulent charges.

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 2026-02-25 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: DE

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 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 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened a dispute with Regions on XX/XX/XXXX, under the case XXXX for 3 transactions made with my debit card XXXX. I return the merchandize in person at the store on XX/XX/XXXX, under the store return/refund policy, the store accepted the return and issued a full refund receipt, voided voucher and email confirming the return. I sent all of these documents to the bank to support my case, even that the case was denied and reopened again. Finally the bank approved only 2 of the 3 transactions, something that doenst make sense if all are under the same reason with same evidence and documentations.

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 2026-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
I sent Midland Credit Management a written dispute and cease communication request instructing the company to stop telephone contact and communicate only in writing. After receiving my written notice, Midland Credit Management continued collection activity by placing repeated telephone calls without leaving voicemail messages and sending a collection email requesting payment arrangements. Post-notice contacts include : XX/XX/year> two telephone calls XX/XX/year> telephone call XX/XX/year> collection email requesting payment arrangements XX/XX/year> telephone call XX/XX/year> telephone call XX/XX/year> telephone call XX/XX/year> telephone call These contacts occurred after my written request limiting communication and after allowing reasonable time for the company to comply. The continued calls are disruptive and appear to disregard my written request to cease telephone communication. I am requesting that Midland Credit Management immediately cease telephone contact and comply with federal debt collection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: NY

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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The bank froze my bank accounts in XXXX, XXXX and demanded I visit a branch. On XX/XX/year> I visited but was told the manager was not available and to come again. This trip incurred a one night hotel stay, car rental from where I was to the closest branch plus gas out of my own pocket. On top I accumulated hours on the phone with representatives on my own time. I have hotel and rental invoices and gas receipts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account is not connected to me in any way and has been reported incorrectly.

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 2026-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: PERDUE BRANDON FIELDER COLLINS & MOTT LLP
State: TX

Complaint narrative:
I received this message - It is a scam- I have never been to XXXX. This phone number is associated with an unpaid XXXX of XXXX case. Your case has been sent to the XXXX XXXX law firm for collections, contact our office at XXXX to resolve this matter. XXXX XXXX XXXX XXXX XXXX apply. Reply HELP for help. Reply STOP to stop I have replied STOP but it keeps coming.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: FL

Complaint narrative:
They where charging me fees of overdraft fee and making money off my account when I didnt have funds in my account so the would charge me fees when I get deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Co LLC
State: MO

Complaint narrative:
In XX/XX/year> I procured insurance through my partner 's employer, XXXX ( a XXXX company ). On XX/XX/year> I visited XXXX XXXX XXXX and received routine services. On XX/XX/year> I spoke with XXXX to cancel coverage, with a XX/XX/year> effective end date. This was due to unexpected and exorbitant premium costs, due to receiving insurance through a non-marital. partner. The XXXX agent inadvertently entered a XX/XX/year> cancellation date. This required me to submit an appeal with XXXX to have the correct date of cancellation entered. On XX/XX/year> an appeal was submitted to XXXX XXXX On XX/XX/year> the appeal was APPROVED and the date of cancellation of coverage was moved to XX/XX/year>. I contacted XXXX XXXX dental on over XXXX occasions asking them to resubmit the claim to XXXX once the proper date of cancellation was captured. I was on the phone with both XXXX and a XXXX XXXX claims agent on XXXX occasions, where XXXX tried to assist the dental office in resubmitting the claim. Regardless of the advisement through myself or XXXX, this dental office continues to direct bill me for services. They have shown no due diligence in attempting to rectify this issue with the payer, XXXX. Both XXXX and I have provided information showing I held dental coverage with XXXX on the date of service but this provider refuses to make the necessary corrections in their records, and resubmit through insurance. This provider has now referred an unsubstantiated charge of {$460.00} to a debt collector, whom is contacting me for collection. Further the office refuses to provide any documentation that supports their charges or aligns with an Explanation of Benefits. These are predatory practices by this provider, which I am requesting be investigated by your office. I have attached documentation which supports the course of events described. Please let me know if more information is needed on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
Trying ri get payment lowered due to financial loss in 2023. This company and the one before it has been running me in circles with no real assistance or information norw proper person ro talk to. Ect. They are illegally trying to sale home at auction on XXXX XXXX 2026. They have continuously put me in depth regarding this as I am not able to make payments during the assistance cycle that had been on going

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 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MN

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I am filing this complaint against XXXX, XXXX, and XXXX for failing to properly investigate and delete inaccurate and unverifiable collection accounts that I formally disputed on XX/XX/year>. Despite my written disputes, the credit reporting agencies continue to report inaccurate, inconsistent, and conflicting account information in violation of the Fair Credit Reporting Act ( FCRA ). The accounts contain : Conflicting balances across bureaus Duplicate reporting Contradictory account statuses ( open/closed/collection/disputed ) Inconsistent dates of last activity Missing original creditor verification documentation These errors directly violate : FCRA 607 ( b ) Failure to assure maximum possible accuracy FCRA 611 ( a ) Failure to conduct a reasonable reinvestigation FCRA 609 ( a ) Failure to provide proper source documentation FCRA 1681n and 1681o Civil liability for noncompliance Specific accounts in dispute include : XXXX XXXX XXXX XXXX XXXX. XXXX ( Collection ) XXXX ( Collection ) COMENITY CAPITAL BANK Additional collection account reported as {$240.00} For example, XXXX is reported with conflicting balances across bureaus, including {$350.00} on some reports and {$0.00} on others, demonstrating a lack of reporting accuracy. Additionally, duplicate and contradictory status remarks appear on multiple collection accounts, indicating systemic reporting errors. I am requesting : 1.Immediate deletion of all unverifiable and inaccurate accounts. 2.Written confirmation of deletion. 3.Documentation of the method of verification used during reinvestigation. 4.Correction of any remaining inaccurate data. If these issues are not corrected, I will pursue further legal remedies under federal law. I have attached copies of my prior disputes and relevant portions of my credit report supporting these inconsistencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: CA

Complaint narrative:
A collection account is being reported on my credit file by FirstPoint Collection Resources for {$100.00} that I do not owe. After contacting the collection agency, I was informed the alleged debt is from XXXX XXXX ( XXXX ) for an auto insurance policy opened on XX/XX/year> for a XXXX XXXX. This account is fraudulent. The information used to open the policy does not match my identity. The account has the same date of birth but a different address, a different drivers license number, and a different last name combination than mine. I only have one last name. I did not open this account, authorize this policy, or receive any services related to this debt. This appears to be identity theft. I have requested debt validation and am filing an identity theft report. I am requesting that this fraudulent account be investigated and removed from my credit report.

Company response to consumer: Closed with explanation