vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
I dispute this account in its entirety and assert that it is not mine. I have no knowledge of this alleged debt and have never entered into any agreement with this company or any related party. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting full and complete validation of this debt. This includes, but is not limited to, the original signed agreement, a complete payment history, and documentation establishing that I am legally obligated for this account. To date, no sufficient evidence has been provided to substantiate this claim. Reporting unverified or inaccurate information to credit reporting agencies is a violation of federal law. If this account can not be properly validated, I demand that it be deleted immediately from all credit reporting agencies. Any continued reporting of this unverified debt must cease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I closed my Wells Fargo account on XX/XX/XXXX as part of the Bilt Rewards migration. As part of the migration, WF transferred $ XXXX of balance to my XXXX account on XX/XX/XXXX, but subsequently took a payment of $ XXXX as part of the automatic payment setup. On XX/XX/XXXX, I received an email from WF informing me of a credit balance of $ XXXX as of XX/XX/XXXX and I should contact them for a refund. I made contact on XX/XX/XXXX and was told the issue would take XXXX business days to resolve. On XX/XX/XXXX I followed up, since no payment was received. At that point a case was created by Wells Fargo and my contact was logged. On XX/XX/XXXX, I followed up again and was told that the case was submitted for approval and funds would be released via check. On XXXX XXXX, I made contact again and was received by XXXX different agents across different departments. They had completely different narratives. I was told by XXXX agent that the case was approved on XX/XX/XXXX and that I would receive a check no later than XXXX XXXX. Another agent informed me that the case had not even been submitted for approval and they would expedite. They had promised a callback on XXXX XXXX but no callback was received.

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 2026-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: PA

Complaint narrative:
discovered a collection from Waypoint Resource group on my report in XXXX XXXX this account had already been removed by another credit company die to unable to verify it belonged to me. It was then sold to Waypoint. Waypoint never contacted me. I tried contacting via the information provided on the credit report. The phone number does not work, and I sent a request via mail to provide proof on XX/XX/XXXX. I sent an email to XXXX also requesting this. I found that on the internet with another number. I reached out on the other number and was told a letter was sent XX/XX/XXXX, but I have informed delivery via XXXX and verified nothing from them came in XX/XX/XXXX. The rep repeatedly contradicted himself by saying they did and then didn't send me information to my email but was unable to tell me what email it was sent to. I requested they send me proof of the debt, and they insisted it be sent via email. I stated they must send to my address by law, and I do not agree to email contact. This company has violated multiple laws in their process of attempting to collect a debt that's not mine.

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 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Capital Services, LLC
State: FL

Complaint narrative:
I received a call from XXXX on my work phone stating that shes from Structure settlement and is attempting to collect a debt. I have never conducted business with this company nor heard of the company Structured Settlement before. I do not appreciate being called on my work phone regarding my personal matters, especially if I never authorized or gave my work number to a debt collector as way to contact me. Receiving personal phone calls at work puts me a jeopardy of disciplinary actions at work. I need this company to cease contacting me.

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 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
They are saying I have a light bill with an energy company but I was evicted out my home XX/XX/XXXX and I have been homeless ever since. This bill was opened XX/XX/XXXX date reported XXXX XXXX. This isnt my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I was hospitalized in XXXXXXXX XXXX XXXX, and was incapacitated from managing my credit accounts. Not only that but I was under the assumption my Bank of America account had no balance as I submitted a payment of $ XXXX right before being hospitalized to settle my balance from the prior month. When I finally had been out of the hospital in late XXXX I had found out my account was closed and a balance of over {$200.00} was remaining. I can not check the source of these charges or expenses because I can no longer log into my Bank of America account. These charges are more than likely fraudulent and I have no way of disputing them now. Despite this I requested just today to pay the balance in full if my account would be reinstated since it should not have been closed. They refused to allow the account to be reopened and instead insisted a pay the fraudulent balance in full.

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 2026-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding my auto loan financed through Santander Consumer USA. At the time of purchase on XXXX XXXX, 2023, I was charged approximately {$3000.00} for a vehicle service contract along with additional add-on products. Although I was initially provided with some paperwork at the time of sale, those documents were later lost during a move. After that, I attempted to obtain copies of my full contract package, including all add-on agreements and service contract details. The selling dealership was no longer available to assist, as the business closed within about a year after my purchase. I then requested documentation from Santander Consumer USA, but I did not receive the service contract and related documents until approximately XXXX months after my request. Because of this delay, I did not have access to the terms, coverage, or instructions for using the service contract during the time it was active, and I was unable to use the warranty. The warranty has now expired without providing any benefit. In addition, I still have not been provided all add-on contracts associated with my loan, and I do not have a complete contract package. There is also a discrepancy in the documentation. The Retail Installment Sales Contract lists the selling dealer as XXXX XXXX XXXX, while the service contract lists a different entity, XXXX XXXX, with no clear disclosure or explanation of the relationship between these entities. I attempted to verify XXXX XXXX through California business records and was unable to locate it as a registered entity, which creates confusion regarding who sold the service contract and who is responsible for it. Santander Consumer USA previously responded to my complaint by apologizing for the delay and providing partial documentation, but they did not address the financial loss of the service contract, the fact that I was unable to use the warranty, the missing add-on contracts, or the inconsistency in the entities listed. Due to these issues, I am requesting removal or refund of the approximately {$3000.00} service contract, a full review of all add-on products and charges for proper disclosure and validity, and consideration of reducing or waiving any remaining balance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Valor Intelligent Processing, LLC
State: CO

Complaint narrative:
Keep getting toll bills for cars that are clearly not mine. The vehicle in the photos does not match the car the plate belongs too

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SUNCOAST CREDIT UNION
State: TN

Complaint narrative:
On XX/XX/year> I made my monthly transfer from my XXXX XXXX XXXX account to my Checking account at Suncoast FCU to pay a Loan. We have been doing this via mobile check XXXX for years the same amount XXXX {$400.00} However this XX/XX/year> mobile deposit was returned from Suncoast FCU saying the funds were not available. The regions checking clearly had more than enough funds to transfer. And in fact the bank statements clearly show that the funds were withdrawn. Yet Suncoast says its a Regions Problem and XXXX says its a Suncoast problem and we have been defrauded of {$400.00} between the two banks and both accounts owned by me. As for the delay in filing this complaint, my wife was diagnosed with XXXX and I've had to turn my attentions to her and her treatments. now bills are piling up and we really could use our funds that were lost by these institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: January Technologies, Inc
State: FL

Complaint narrative:
I am submitting this complaint regarding a {$7800.00} loan issued through Affirm for an online business coaching program operated under multiple names, including XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX. In XX/XX/XXXX, I enrolled in this program based on promises of structured mentorship, consistent support, and a 90-day income guarantee. Almost immediately, it became clear that the program did not deliver what was advertised. Onboarding was misleading, support was inconsistent, and the content did not match the representations made during enrollment. I requested a refund and disputed the charges directly with the company, but these attempts were denied. The debt was then sent to collections, negatively affecting my credit. The account has been transferred between multiple collection agencies. It was initially placed with XXXX XXXX XXXX XXXX, and has since been transferred to XXXX. As of XX/XX/XXXX, the company is no longer operating. Their websites and online platforms are inactive, and I have no access to any purchased materials or services. This debt is therefore invalid, as it : Was misrepresented at the time of sale Failed to deliver promised services Created serious security concerns during participation Can not be accessed or verified because the company no longer exists

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
To Whom It May Concern : I am formally disputing the reporting of 30-day late payments associated with the above-referenced unsecured installment loan. Your reporting reflects inconsistencies, including : Balance discrepancies ( {$5000.00} vs. {$5100.00} ) Past Due reporting of {$320.00} despite current status elsewhere Conflicting Date Opened ( XX/XX/XXXX vs. XX/XX/XXXX ) Inconsistent reporting of late status across bureaus These inconsistencies call into question the reliability and accuracy of the data furnished. Pursuant to 15 U.S.C. 1666b ( a ), creditors must credit payments as of the date received. If payments were received but not properly credited as of receipt date, reporting a 30-day late constitutes inaccurate billing and reporting. I demand the following documentation : 1. Complete payment history from origination to present. 2. Date each allegedly late payment was received. 3. Date each payment was credited. 4. Any internal notes reflecting payment disputes. 5. The original signed loan agreement and payment schedule. Case Law In XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court recognized that TILA violations arise when creditors fail to comply with statutory billing protections. The Truth in Lending Act is a strict liability statute, meaning compliance is mandatory. If you can not produce documentary proof that payments were not received and properly credited under 15 U.S.C. 1666b, you must : Remove all late payment history from this account OR Delete the tradeline entirely due to unreliable reporting. Please provide written confirmation of correction or deletion within 30 days. 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 explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I receive a scheduled systematic deposit into my Capital One checking account from my XXXX XXXX SIMPLE IRA on a monthly basis. My payment on XX/XX/year> is shown as being sent and deposited on XXXX XXXX 's side, but Capital One claims to have never received these funds. I have had this systematic payment in effect for quite a while, and have not made any changes to my banking information at that time. Upon investigating, XXXX was able to provide a trace number for this transaction, XXXX, which Capital One claimed to be unable to locate. I am at my wits end, as the trace number provided should serve as evidence of the transaction being processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
My account with AAFES / Military Star was previously placed with XXXX XXXX XXXX ( XXXX ) for collection. On XX/XX/year>, I submitted a complaint through the CFPB regarding an incorrect balance on this account. On XX/XX/year>, I received a written response from XXXX confirming that the account has been closed in their office and returned to AAFES. Throughout this period, significant payments were made toward this account through : Federal tax refund offset in the amount of {$4600.00} Wage garnishments totaling {$3800.00} These payments appear to meet or exceed the original balance of the account. However, AAFES has not provided any documentation confirming : A complete payment history How these payments were applied The current remaining balance Whether the account has been paid in full I have requested this information but have not received any response or documentation. At this time, there is a serious lack of transparency regarding the application of payments and the accuracy of the remaining balance. I am requesting : A complete and detailed payment history, including all tax offsets and wage garnishments The current and accurate remaining balance A full explanation of how all payments have been applied Written confirmation if the account has been paid in full A refund of any overpayment, if applicable If there is any remaining balance, I request a full breakdown of all charges, including any added fees or interest. This matter requires immediate clarification and resolution.

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 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
I am filing this complaint regarding a loss of over {$9000.00} associated with my Robinhood account following a documented case of unauthorized activity. On XX/XX/year>, I was contacted by individuals impersonating Robinhood support and informed that my account had been compromised. These individuals demonstrated access to highly sensitive personal information, including my full Social Security Number and a copy of my drivers license, and referenced multiple suspicious login attempts from different locations. This created the appearance of a legitimate and urgent account security issue. During this incident, significant activity occurred on my account, including the liquidation of my holdings and the movement of funds. This was not normal or intended account activity, and I believed at the time that I was responding to a legitimate security situation involving my account. Shortly after, the funds were removed without my knowledge or authorization. I did not authorize the removal of my funds, and I did not share my password, authentication codes, or recovery phrase with any third party. I reported the incident to Robinhood, participated in a phone investigation, and provided all requested documentation, including a police report. After completing their investigation, Robinhood stated the following : Robinhood was able to find enough evidence to support the claim of potential unauthorized account activity. However, it was determined that the account activity did not meet the criteria for reimbursement. Despite acknowledging unauthorized activity on my account, Robinhood has refused to reimburse any portion of the loss. I am requesting that Robinhood reconsider this determination. Given that the firm has already confirmed unauthorized activity, I believe this situation warrants reimbursement of some kind. This situation has resulted in a significant financial loss, and I am seeking a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/26 Dispute initiated with XXXX Results Debt " Remains '' Report Number XXXX XX/XX/26 Debt Validation Request sent to Furnisher " Rent Recoveries Solutions '' Furnisher did not provide requested documents to establish this debt XX/XX/26 Request to Experian to re-investigate - Results Debt " Remains '' Report Number XXXX XX/XX/26 Experian provided results- " Remains '' Report Number XXXX XX/XX/26 Method of Verification Request sent to Experian- pending

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 2026-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have always prioritized meeting payment deadlines, so it's concerning to find an error indicating a late payment on my account. This mistake is causing unnecessary stress, and I kindly request that you correct it promptly by updating my records accordingly.

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 2026-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I reviewed my updated credit report hoping to see the deletions and corrections of what I previously submitted. I sent a complaint explaining the violations and reasons why it should be removed. Hence these accounts remain despite my prior disputes with the credit bureaus. The bureaus refusal to remove accounts resulting from identity theft is a blatant violation of FCRA 605B and demonstrates willful noncompliance. I demand immediate deletion of these fraudulent accounts, corrective disclosures, and enforcement action to hold the bureau accountable for its unlawful conduct. I demand immediate reinvestigation, deletion of unverifiable accounts, and full compliance with federal law.

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