vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consolidation Capital
State: NH

Complaint narrative:
I discovered in XX/XX/year> that Consolidation Capital was reporting or attempting to collect approximately {$1900.00} that I do not owe. 
I have never received any contract, billing statements, payment history, or proof this account belongs to me. 
On XX/XX/year>, I filed CFPB Complaint XXXX requesting debt validation. 
The company failed to respond. 
As of XX/XX/year>, CFPB shows No company response. 
Despite this, the account continues to appear as active debt, damaging my credit. 
I have never been provided : Original creditor documentation Chain of assignment Account statements Payment history Proof of ownership of the alleged debt The company is reporting or collecting without substantiating the debt and ignored a federal complaint. 
This constitutes unlawful collection activity and inaccurate credit reporting. 
I am requesting full validation or immediate deletion.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute the XXXX XXXX XXXX account reported on my credit file. This account is inaccurate. I returned the equipment and have proof of return, and therefore I do not owe this debt.

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 2026-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
The XXXX credit card was open on XX/XX/year> without my consent and knowledge. The debt amount is {$31000.00}. Please help me to remove the fraudulent opened account from the all credit bureaus reports ( XXXX XXXX XXXX XXXX. It is doesnt allow me to get a new cards for myself, to lease a new car or buy a small house. Please help me to resolve this problem. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Dear sir My Fund is with Bank of America and this Fund Wire Transfer process more than {$120000.00} spent and some Blockage Coming this reason I have Requested This Fund load in a ATM card and send it via courier company through Courier charges and XXXX XXXX fee, Non Inspection Permit fee, and XXXX XXXX fee, Insurance fee, Yellow tag fee, All sent Daily asking multiple type of fee And sent, But not yet received Some time XXXX XXXX XXXX XXXX XXXX will be delivered to me, another time told me XXXX courier service then told me XXXX is better this type of stupidity doing XXXX XXXX knows its Hold in XXXX XXXX hold for XXXX Clearence fee not paid, I have sent all the fee to XXXX XXXX XXXX directly, But he eats my money and not paid I don't know why he is doing this? 
Why he is coming for Deliver this ATM card, because He asked me to give some money to him as BRIBE I have told once start first Withdraw then give you little money That's why He doing Fraudster work Finally send me a Fake Stop order from XXXX notice and asking again money This Fund Transfer process time XXXX, XXXX, XXXX all clearance taken fee also paid through XXXX XXXX and a courier delivery How XXXX involve its Fake, But in between he said this Fund we will invest in XXXX And He will be little more invest also But He came to XXXX and inform me I will deliver your ATM card immediately But Not yet received Orr came for delivery of this, also CFPB is a government agencies Before my multiple complaints are there And I want to do this complaint also But my account can't login, He asked me earlier why you complaints given CFPB, my hope is He has tried to login my email through now block showing multiple login attempt My earlier complaints through XXXX, this new email through again wrote this Please take action against this person and Recovery of my Fund And lost money {$120000.00} plus courier purpose {$890.00} his phone No is communication With me XXXX Bank of America Resolution Specialist office also contact me But they are not taking any action against their CEO XXXX This is the main reason Kindly please action against this complaint Thanks

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 2026-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BMO Bank N.A . 
Executive Customer Relations / Fraud Investigations / Legal Compliance Re : Identity Theft Losses, Wrongful Reversal of Provisional Credits, and Formal Demand for Full Reimbursement Customer : XXXX XXXX This letter serves as a formal legal demand for immediate reimbursement of all funds lost as a result of confirmed identity theft and BMOs improper reversal of provisional fraud credits.

BMO has already acknowledged in writing that my identity theft claim is valid and that my account activity was fraudulent and compromised. Despite this admission, my statements show numerous Reverse Provisional Credit entries where BMO initially credited unauthorized transactions and later removed those credits, re-debiting my account and forcing me to absorb substantial losses.

Under the Electronic Fund Transfer Act ( Regulation E ), the Truth in Lending Act, and applicable federal and California consumer protection laws, BMO is legally required to : conduct a reasonable and documented investigation provide written findings prove authorization before re-debiting funds permanently reimburse all unauthorized transfers, fees, and losses Reversing provisional credits without proof of authorization is non-compliant with federal banking regulations and exposes BMO to liability for actual damages, statutory damages, and attorneys fees. 

For reference, the following claims have been opened and documented : Primary BMO Claim XXXX XXXX  BMO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, BMO recently issued a cashiers check in the amount of {$15.00}. This payment is wholly insufficient and does not represent reimbursement of the documented fraud losses, which exceed {$70000.00}. 

This check has not been cashed and will not be negotiated. It is expressly rejected and does not constitute settlement, accord and satisfaction, or waiver of any claims. 

A nominal payment does not satisfy BMOs statutory obligations to fully reimburse unauthorized transactions.

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 2026-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, I needed to update my address with Coinbase to my address in XXXX XXXX XXXX, NY. In order to do so, I was asked to close my perpetual account with Coinbase, which I was unable to do due to a very small balance outstanding that could not either be transferred out or forfeited on my end. 

I contacted Coinbase help desk to help close my perpetual account, saying that I am willing to forfeit the small amount in it in order to update my address in compliance with the law. The have also opened a case ( Case XXXX XXXXXXXX ) for me. 

However, it has been many back and forth without really solving the problem. The small balance remains outstanding in my perpetual account, which prevents me from closing the account and to update my address. 

It has caused significant problems for me and I want this to be resolved as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
Summary of the Issue : My bank denied my Regulation E dispute and reversed the provisional credit even though the merchant provided no proof that I authorized the transaction. The bank relied on the merchants internal noshow fee explanation and generic terms instead of obtaining actual evidence of my consent. The bank also failed to provide a written determination or the evidence it relied upon, which violates Regulation E and the Electronic Fund Transfer Act ( EFTA ).

Key Facts : The card used for the disputed transaction was lost at the time of the charge. I informed the bank of this. 
During the month of the disputed transaction, the physical card was not used in any store for any legitimate transaction. All legitimate transactions were online only. 
The merchant had physical possession of this card XXXX time for a single, onetime payment months earlier. 
I never authorized the merchant to store my card information, nor did I sign or acknowledge any agreement permitting future or recurring charges. 
For my most recent appointment with this merchant, I used a different card ( my XXXX credit card ), yet the merchant charged the lost card instead. ( In the documents that the merchant sent to the bank, they stated that they used the last card that was used " FALSE STATEMENT " their own documents show it. ) XXXX transactions do not provide merchants with full card numbers and do not authorize cardonfile storage. The only way the merchant could have charged this card is by manually copying or retaining the card information without my consent. 

Banks Failure to Investigate : The bank did not obtain : XXXX. A signed authorization form, XXXX. A digital acceptance log with timestamps, XXXX. A contract or agreement I acknowledged, XXXX. Any transactionlevel evidence showing I approved the charge. 

Instead, the bank relied solely on the merchants internal noshow explanation and boilerplate terms, which do not constitute authorization under Regulation E. 

Procedural Violations : I emailed the bank on XX/XX/XXXX with additional information, and the bank never responded. I emailed them on XX/XX/XXXX and XX/XX/XXXX, they never responded. 
The bank left only a voicemail stating they can not recover the charge and that I should contact the merchant, which is not a legally sufficient response under Regulation XXXX. 
The bank has not provided a written determination or the evidence it relied upon, as required by law. 
The bank attempted to shift responsibility to me to seek a refund from the merchant, which is prohibited under Regulation E. 

Requested Resolution : I am requesting that the CFPB require the bank to : Reopen the investigation, Obtain actual proof of authorization from the merchant, and Restore the funds to my account if no such proof exists. 

This transaction was unauthorized, and the bank failed to conduct a reasonable investigation as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: LEXISNEXIS
State: CA

Complaint narrative:
The XXXXXXXX XXXX XXXX  was open on XX/XX/year> without my consent and knowledge. The debt amount is {$31000.00}. Please help me to remove the fraudulent opened account from the all credit bureaus reports ( XXXX XXXX XXXX XXXX. It is doesnt allow me to get a new cards for myself, to lease a new car or buy a small house. Please help me to resolve this problem. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Can't resolve this XXXX  years now mortgage marked pd XXXX  years later

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate, unverified, and potentially unlawful credit reporting by LVNV FUNDING LLC and XXXX, XXXX XXXX  concerning a reported balance of {$630.00}. 

This account is being reported without proper verification of its accuracy, completeness, or legal enforceability. I have not been provided any documentation establishing a valid contractual obligation bearing my signature, nor competent evidence substantiating the amount being reported. Additionally, neither LVNV FUNDING LLC nor XXXX, XXXX or XXXX has verified that this account is being reported in compliance with Metro 2 guidelines, nor have they confirmed the correct date of first delinquency, as required for accurate reporting.

I disputed this account in good faith and requested verification pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). Despite these disputes, the account continues to be reported without evidence demonstrating that a reasonable investigation was conducted, constituting a violation of FCRA 611 ( 15 U.S.C. 1681i ).

Further, as a debt collector, LVNV FUNDING LLC is subject to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). By continuing to report and attempt to collect an unverified debt, LVNV has failed to provide validation upon request as required under FDCPA 809 ( 15 U.S.C. 1692g ) and has potentially engaged in false, deceptive, or misleading representations regarding the character, amount, or legal status of the alleged debt, in violation of FDCPA 807 ( 15 U.S.C. 1692e ). 

XXXX, XXXX and XXXX  continued reporting of this account without ensuring maximum possible accuracy further violates its obligations under FCRA 607 ( b ).

As a direct result of this inaccurate and unverified reporting, I have suffered harm including damage to my credit profile, adverse impact to my creditworthiness, increased difficulty obtaining credit on favorable terms, and ongoing emotional and financial stress. The continued reporting of this account exposes me to potential denial of housing, transportation, and other essential financial opportunities. 

I respectfully request that the Consumer Financial Protection Bureau require LVNV FUNDING LLC and XXXX  XXXX, XXXX to take one of the following actions immediately : 1. Provide full and complete validation of this account, including proof of legal obligation, an itemized accounting of the alleged balance, confirmation of Metro 2 compliance, and the verified date of first delinquency ; or 2. Delete this account immediately from my credit file.

I further request written confirmation of the resolution and disclosure of any corrective actions taken to prevent continued inaccurate or unlawful reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Coradius International LLC
State: CO

Complaint narrative:
I am filing this complaint against my former apartment management company XXXX XXXXXXXX XXXX XXXX ( for inaccurately reporting a {$520.00} debt to collections agencies ( currently American Coradius International LLC , last collection letter received on XX/XX/XXXX ) and credit bureaus starting in XXXX, despite the debt being invalid or erroneous. I repeatedly contacted the leasing office multiple times via phone and email to correct and resolve the issue, but received no response or resolution. This false derogatory mark has appeared on my credit reports, causing me to pay approximately {$4000.00} in excessive interest fees on other loan applications over the past three years due to damaged credit. Additionally, I have received frequent harassing collections calls every week, and I believe the company improperly shared or sold my personal privacy information to third parties without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
To Whom It May Concern, This letter is being sent in response to your reporting and/or communication regarding an alleged debt that you claim I owe.

Pursuant to the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g * *, I am requesting * * full validation and verification * * of the alleged debt. Please be advised that this is * * not a refusal to pay * *, but a request for proper documentation.

Please provide the following : 1. The * * name and address of the original creditor * * 2. The * * amount of the alleged debt * *, including an itemized breakdown of principal, interest, fees, and charges 3. Copies of any * * signed contract, agreement, or application * * bearing my signature 4. Proof that you are * * legally authorized to collect * * on this debt, including assignment or purchase documentation 5. The * * date of last payment * * and the * * date the debt was incurred * * 6. Proof that the debt has been * * accurately reported * * to the consumer reporting agencies Until this information is provided, you must * * cease all collection activity * *, including reporting or verifying the account to any consumer reporting agency, as required by * * 15 U.S.C. 1692g ( b ) * *.

If you are unable to provide the requested validation, I request that this account be * * removed from my credit report * * and that I receive written confirmation of the deletion. 

Please provide the requested documentation in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Deposit cash on Atm and didnt show up on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
All of my private info was made easily available and I have since had so much different fraud activity and accounts on my record and have not been able to even open a simple bank account due to so much fraud due to this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
To Whom It May Concern, This letter is being sent in response to your reporting and/or communication regarding an alleged debt that you claim I owe. 

Pursuant to the XXXX XXXX  Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g XXXX XXXX I am requesting XXXX XXXX full validation and verification XXXX XXXX  of the alleged debt. Please be advised that this is XXXX XXXX not a refusal to pay XXXX XXXX, but a request for proper documentation. 

Please provide the following : XXXX. The XXXX XXXX  name and address of the original creditor XXXX XXXX XXXX. The XXXX XXXX amount of the alleged debt XXXX XXXX, including an itemized breakdown of principal, interest, fees, and charges XXXX. Copies of any XXXX XXXX  signed contract, agreement, or application XXXX XXXX bearing my signature XXXX. Proof that you are XXXX XXXX legally authorized to collect XXXX XXXX  on this debt, including assignment or purchase documentation XXXX. The XXXX XXXX  date of last payment XXXX XXXX  and the XXXX XXXX  date the debt was incurred XXXX XXXX XXXX. Proof that the debt has been XXXX XXXX accurately reported XXXX XXXX  to the consumer reporting agencies Until this information is provided, you must XXXX XXXX cease all collection activity XXXX XXXX including reporting or verifying the account to any consumer reporting agency, as required by XXXX XXXX 15 U.S.C. 1692g ( b ) XXXX XXXX 

If you are unable to provide the requested validation, I request that this account be XXXX XXXX removed from my credit report XXXX XXXX and that I receive written confirmation of the deletion. 

Please provide the requested documentation in writing. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Remove the XXXX  account immediately from my credit report

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 2026-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a bank account with Bank of America I had funds in the account then it got sent to the closure department. I had funds in my account but never received them.

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 2026-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding an alleged debt reported by Midland Credit Management in the amount of {$230.00}. While this account is no longer appearing on my credit reports, I dispute the validity and accuracy of this alleged debt and am requesting verification. 

I have never been provided competent documentation showing that I am legally obligated to pay this debt, including any signed agreement, itemized statement, or proof of the original obligation. I am concerned that this account may be inaccurately re-reported in the future, which could adversely affect my creditworthiness, financial opportunities, and peace of mind. 

I request that Midland Credit Management provide full verification of this debt pursuant to the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), including : XXXX. The name of the original creditor and account number. 
XXXX. A detailed, itemized statement of the alleged debt, including principal, interest, fees, and any other charges. 
XXXX. Documentation establishing that I am legally obligated to pay this alleged debt. 
XXXX. Verification that the account is being reported in compliance with XXXX XXXX reporting guidelines, including the correct date of first delinquency, accurate account status, and correct balance. 
XXXX. Confirmation that this debt is not being reported to any credit reporting agency unless properly verified and compliant with XXXX XXXX standards. 

Until verification is provided, I request that Midland Credit Management cease all collection activities related to this alleged debt.

Company response to consumer: Closed with explanation