vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United PanAm Financial Corp.
State: CA

Complaint narrative:
I am filing a formal complaint regarding an account being reported by XXXX XXXX XXXX that does not belong to me. 

I did not open, authorize, or enter into any agreement with this company. This account is fraudulent and is being inaccurately reported on my credit file. 

I have submitted multiple written disputes to XXXX XXXX XXXX throughout 2025 requesting proper validation of this alleged debt. My most recent written dispute was sent on XX/XX/year>. In those disputes, I clearly stated that I did not open this account and requested full validation, including a copy of the original signed contract or any documentation bearing my signature demonstrating authorization. 

To date, XXXX XXXX XXXX  has failed to provide competent evidence establishing that I am legally obligated for this account. They have not produced a signed agreement, proof of authorization, or documentation verifying that this debt belongs to me. 

Additionally, this account is currently being reported only with XXXX and does not appear on my XXXX XXXX XXXX  credit reports. This inconsistent reporting raises serious concerns regarding the accuracy, completeness, and reliability of the information being furnished. If this account were legitimate and properly verified, consistent reporting across consumer reporting agencies would be reasonably expected. 
Under the Fair Credit Reporting Act ( FCRA ), including but not limited to XXXX XXXX. XXXX ( b ), furnishers of information are required to conduct a reasonable investigation upon receiving notice of a dispute and to report information that is accurate and complete. Continuing to furnish information without proper verification especially after multiple written disputes may constitute negligent or willful noncompliance under XXXX XXXX. XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Ok I was having issues using my debit card make purchase and my card keep declined then when I call the fraud department about they transfer my call to get my card unblock because it was blocked and they asked me to verify my information to get in my account so I did and it went through then he turn around give me problems to do so so he freezes my account again and now I don't got no access to it and he told me to go to the bank after I told him I can't because I don't got no help and he still freezes my 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 explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TN

Complaint narrative:
I am being pursued for a {$4300.00} apartment debt from XXXX, MN, even though I moved out of the unit in XX/XX/year> and was no longer living there when the charges were incurred. My former partner remained in the apartment after I left, and the property management company initiated eviction proceedings against her. I obtained legal documentation showing I was removed and expunged from the eviction/collection case because I was not responsible for any balance after I moved out. Despite this, the landlord or collection agency is attempting to hold me liable for charges that occurred after my departure.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CO

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX XXXX. I am submitting this formal complaint regarding inaccurate and damaging reporting by the Department XXXX XXXX XXXX XXXX federal student loan accounts. 
I am disputing all reported derogatory and negative information associated with my student loans, including but not limited to : XXXX delinquency reporting in XX/XX/year> Any late payment reporting during XXXX  Reporting related to alleged missed payments following forbearance status Any adverse remarks connected to repayment status transitions These accounts were previously in forbearance. I was not properly notified that the loans had exited forbearance status and re-entered repayment. Due to the ongoing federal student loan policy changes and government transition during that period, I did not receive adequate notice that payments were due. 
The loans were reported as XXXX  days past due before I had reasonable knowledge that repayment had resumed. As soon as I became aware of the reporting, I immediately made substantial payments to bring the accounts current. 
The current reporting is inaccurate and does not reflect : Proper notice of repayment restart Administrative transition issues affecting federal loan servicing My immediate effort to cure the alleged delinquency My otherwise strong payment history This inaccurate reporting has caused significant harm to my credit profile and financial standing. 
I am requesting that the Consumer Financial Protection Bureau conduct a full investigation into Nelnets reporting practices during the XXXX repayment restart period and require : XXXX XXXX removal of all late payment and XXXX delinquency reporting related to this transition. 
XXXX Correction of the repayment status history to accurately reflect administrative forbearance/repayment transition. 
XXXX XXXX confirmation that the negative reporting has been removed from all credit bureaus. 
I have maintained responsible credit behavior across my accounts and take my financial obligations seriously. This reporting appears to stem from servicing and notification failures rather than consumer neglect. 
Please investigate this matter and ensure compliance with the Fair Credit Reporting Act ( FCRA ) and all applicable federal consumer protection laws. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIOis falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIOis 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 XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Shepherd Outsourcing, LLC
State: IA

Complaint narrative:
On XX/XX/year>, I recieved XXXX emails in the span of XXXX minute claining I have a debt. I replied to request a debt validation letter, and advised them XXXX emails in the span of a minute was excessive and harrassing and would be reported if they did not stop. 
Within XXXX minutes, another email was sent. 
These emails are also deceptively labeled " validation notice '' when they are not legitimate debt validation letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: MOHELA
State: MA

Complaint narrative:
Subject : Request for Removal of XXXX Delinquency Due to Bank Fraud and Account Access Issues I am submitting this complaint regarding a XXXX delinquency reported on my federal student loan account. 
The delinquency occurred during a period when my primary bank account experienced fraud. As a result of the fraudulent activity, my account was restricted and I temporarily lost access to funds used for scheduled payments. 
During this same period, I experienced repeated technical and login issues accessing my student loan servicing account, which made it difficult to manage billing, confirm payment status, or promptly arrange alternative payment methods. 
This was not a case of refusal to pay. The delinquency resulted from : Fraud affecting my linked payment account. 
Temporary disruption of access to funds. 
Technical/login issues accessing my loan account. 
Delays in resolving these combined issues. 
This is my only late payment, and I have otherwise maintained responsible repayment behavior. The account has since been brought current. 
Given that this delinquency resulted from fraud-related financial disruption and account access complications not unwillingness to pay I am requesting : XXXX. A review of the servicing circumstances during this period. 
XXXX. Removal of the XXXX delinquency from all credit reporting agencies. 
XXXX. Written confirmation of correction. 
This negative mark does not accurately reflect my payment history or intent. 
Thank you for your review.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am filing this complaint regarding inaccurate reporting XXXX  improper assignment of liability on a credit card account originally belonging XXXX  a deceased primary cardholder. 

I was added XXXX  this account solely as an authorized user. I never applied for, signed for, or consented XXXX  becoming a XXXX  account holder. 

Chase is now claiming that I was converted XXXX  a XXXX  account holder based on an alleged text message sent XXXX  a phone number that does not belong XXXX  me. The phone number referenced belonged XXXX  the primary cardholder. I did not receive any communication, provide any electronic authentication, sign any documentation, or give verbal authorization XXXX  assume joint liability. 

On XX/XX/year>, I formally requested documentary proof establishing my legal responsibility for this debt. XXXX  date, Chase has not provided : A signed agreement bearing my signature Electronic consent authentication records IP address or device confirmation Recorded verbal authorization Any legally binding documentation showing I agreed XXXX  become jointly liable Instead, I was informed that their internal investigation concluded the debt is mine. This response does not satisfy the requirement XXXX  provide verification of liability. 

Despite the lack of proof, Chase continues reporting this account as my responsibility on my credit reports, which is causing harm. 

I request that Chase : Provide valid, signed documentation establishing my legal obligation ; OR Immediately remove this account from my credit reports with XXXX XXXX XXXX XXXX 

A text message sent XXXX  a XXXX  partys phone does not constitute my legal consent or contractual agreement. 

I believe this reporting violates the XXXX XXXX XXXX Acts requirement for maximum possible accuracy. 

I am requesting prompt correction of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/2026 at around XXXX hackers called me, pretending XXXX  be Wells Fargo XXXX  letting me know that someone in Georgia XXXX trying to get XXXX transactions, XXXX for {$4000.00} from my checking account XXXX  XXXX for {$3000.00} from my savings account account. They provided me with the Wells Fargo customer service number on the call, they also send me authorization codes from Wells Fargo, which I had XXXX  read XXXX  them ( thats a procedure we always do ) XXXX  then they send these reverse payments XXXX  Cash App, stating Wells Fargo XXXX XXXX  Reverse Payment XXXX  said I had XXXX  hit pay XXXX  reverse it, which I did. The soonest they hung up on me XXXX  my XXXX  text me, if I changed the password, I realized that I just got hacked. I got message from Wells Fargo, if I realized a transaction XXXX  I hit no really quick XXXX  then we called immediately Wells Fargo XXXX  told them everything / filed a claim / fraud. After XXXX minutes with them on the phone for fraud, i called XXXX XXXX XXXX did the same. In that time it was still all pending but nobody stopped it, they said it takes time XXXX  investigate. I provided everything I had from the hackers to both, Wells Fargo and XXXX XXXX. XXXX  days later I got denied already from XXXX XXXX XXXX  a week later I got denied from Wells Fargo XXXX  the only information from investigation was that I authorized the transaction. We were left with {$120.00} on the end of the month XXXX when my XXXX  got paid on the XXXX XXXX  we had already arranged how do we pay some companies, Wells Fargo took it up on there own XXXX  move {$3000.00} from checking to saving XXXX  {$1000.00} from checking XXXX  credit, which means we lost another {$1000.00}. Apparently the hacker got cash advance {$1000.00} XXXX  moved it over XXXX  our checking account so now instead of helping us, the bank took that cash advance from our income XXXX  put it back in XXXX  the credit account. We are over XXXX  years with Wells Fargo XXXX  this is just unbelievable. We also got after all was canceled XXXX  new account established another email from the hacker, trying XXXX  get another {$2600.00} in saying we are in minus XXXX  have XXXX  straighten out the account before overdraft hits the next day, but I did call the bank right away XXXX  they said its not them sending me the email XXXX  my account XXXX  is not in minus.

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 2026-02-17 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: ND

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting XXXX  my credit file XXXX  is against my rights XXXX  fair credit act. Under XXXX XXXX XXXX - XXXX 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 2026-02-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/year>, I authorized a {$15.00} taxi fare in XXXX, XXXX. I was later charged {$300.00} by XXXX * XXXX. I did not authorize {$300.00}, did not enter a XXXX, did not sign a receipt, and was not provided a receipt. The taxi driver handled the card terminal XXXX  I did not see the {$300.00} amount displayed. 

I contacted Capital One immediately XXXX  submitted a signed written statement disputing the charge as an incorrect amount. Capital One closed the dispute, stating I did not provide a receipt, XXXX  refused XXXX  contact the merchant XXXX  obtain proof of authorization. I requested clarification on what documentation was missing XXXX  asked whether the merchant provided a signed receipt or proof of authorization, but was told the claim could not proceed without me providing a receipt that was never given to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
XXXX  whom it XXXX concern, I am writing you about my property I currently have a mortgage with ShellPoint mortgage XXXX XXXX. Box XXXX XXXX, XXXX  XXXX. Shellpoint, has filed for foreclosure on my home for a balance of {$18000.00} dollars on the date of XX/XX/year>! I tried hard XXXX  work with them on my balance, they are refusing XXXX  help me with a modification for the property. I am an XXXX XXXX year old senior who looking XXXX  keep my home. XXXX looking for some help on this matter XXXX  stop the foreclosure. I called Shellpoint, numerous of times. However, they are not willing XXXX  help me at this time. My house has been paid off since XXXX, I borrowed off the property in XXXX XXXX  fell ill, in XXXX XXXX  was hospitalized! Since then it has been extremely difficult financially. But, now I am Financially stable XXXX  make my monthly mortgage payment for my property. It is very important that I Keep my home that I had for ( 52 years ) Please assist me with this matter, because time is of the essence. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I settled with XXXX XXXX  in return they stated they would request for the debt account XXXX  be removed from all of the XXXX major credit bureaus. This has yet to happen XXXX  the negative account is still affecting my credit.

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 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX I utilized a Bank of America ATM to withdraw money. The ATM malfunctioned XXXX  kept my ATM card as well as others who used it. 
I went XXXX  get my card back XXXX  come XXXX  find out they destroy cards that are kept by the machine. I did not XXXX them permission XXXX  do so XXXX  my bank is nowhere close so I have XXXX  be inconvenienced XXXX  get have my bank send me a new card. In the meantime I must use my credit card for cash if I need it XXXX incure additional fees from using a credit card. 
They should have no right XXXX  destroy cards until individuals are given a chance XXXX  retrieve them or they should face criminal or financial penalties.

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 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Help my rights are being violated, XXXX XXXX. XXXX ( b ) of the FDCPA requires debt XXXX XXXX  cease collection activities XXXX  provide proper validation of the debt when requested in writing within XXXX  days of initial contact. The accounts Ive referenced are not XXXX  % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, XXXX  verification of your authority XXXX  collect you must cease all collection efforts XXXX  remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Medical Data Systems, Inc.
State: NY

Complaint narrative:
Received a medical debt for XXXX that is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant XXXX  XXXX XXXX XXXX ( b ) XXXX  XXXX XXXX XXXX, I am entitled XXXX  an accurate credit report. I request a review of these entries, XXXX  if they can not be verified as accurate, I ask that they be removed.

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 2026-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I recieved my payoff amount to refinance the car from Ally to XXXX XXXX. I sent them the check and told them I new there was going to be a small late fee because of the Ice Storm in Texas. I told them I would pay it but was told that the amount of the check was good to cover loan. After fighting with them for three weeks on the payoff of this car they said I still owe them XXXX dollars over the check that I was told was correct. Then they told me they mailed me the check back on XXXX the XXXX. It is the XXXX and I have still not received it back. Inam getting different stories every time I talk to Ally as well as they keep wanting me to wait and call back in a few days for a resolution. They knew last week when I called twice that the check had been sent back and I was never told. Horrible customer service as well as I have been charged interest every day that the account is still open and it is not fair to the customer to be treated this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding unauthorized Bitcoin transactions on my Cash App account totaling over {$36000.00}. 

On XX/XX/year>, I discovered that multiple XXXX transfers were made from my Cash App account without my authorization. I did not initiate, approve, or have knowledge of these transactions until I noticed the funds missing. 

This money represents nearly three years of savings, which I had been setting aside to expand my fabrics and sewing business. I planned to cash out my savings on XX/XX/year>, but instead found that the funds had been transferred out. 

I immediately reported the issue to Cash App Support and have been attempting to cooperate fully with their investigation. However, the process has been extremely delayed and stressful, and I have not received a clear resolution or reimbursement.

Company response to consumer: Closed with explanation