vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-20 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: SC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 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 entry is inconsistent with my verified financial history.

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 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> I attempted to cash a check with XXXX XXXX. They refused to as the name did not match my account. I then deposited into my Wells Fargo account via mobile deposit. They check cleared within 24hrs as it was a Wells Fargo XXXX XXXX On XX/XX/year> I received the check back from XXXX XXXX as a reversal. I also received the same notice from my bank Wells Fargo. Two weeks after I made the deposit they debited my account. They said XXXX XXXX had my money. XXXX XXXX never cashed my check they simply said they could not cash it. Wells Fargo took the money from my account and claims to have returned it to my employer. I have checked with my employer and they have received nothing from Wells Fargo. They provided me proof Wells Fargo cashes the check. When I told Wells Fargo this, they refused to give me proof as to what account it was returned to. This escalated to their corporate office and I spoke to them. He said all they could offer was my overdraft reversal of {$70.00}. That leaves the question of where is my money? Why would the reverse the overdraft if they were not responsible? I am left with out {$300.00}. My employer says what else do they want? We have provided them with a phone number to call them, proof check was cashed and they still say they returned the money but refuse to tell me to where. This is going on two months. I have spent over six hours on the phone being transferred from person to person. I have made two in branch appointments to clear this matter. Each time I am provided with different information. Wells Fargo states the funds were returned to the issuer. They refused to confirm in writing to whose account they were sent to. XXXX XXXX says we never cashed the check we simply returned it. Wells Fargo credited my account for two weeks before they decided to reverse it and now refuse to tell me where the money was returned to. According to my employer the check cleared on XX/XX/year> from their account as its a Wells Fargo check. Problem is it took XXXX XXXX a week to return. Therefore causing confusion. XXXX XXXX provided proof they did not cash the check. Wells Fargo did according to records. Yet they removed the money from my account, returned overdraft fees and wont tell me what account it was returned to in writing. When I went in branch they even tried to redeposit to no avail.

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 2026-02-20 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: OH

Complaint narrative:
To Whom It May Concern : This letter serves as a formal CEASE AND DESIST and DEMAND FOR DEBT VALIDATION pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). 

You are hereby ordered to CEASE AND DESIST all forms of communication with me, my family, or my place of employment regarding the alleged debt referenced above. 

Your agency has no verified legal right to collect, report, or pursue action on this account without proper and complete validation of ownership and legal assignment of this debt.

You are currently in violation of federal law by continuing to report this account to the credit bureaus without substantiating your right to collect. If you can not prove full ownership or legal right to collect this debt, you are knowingly furnishing inaccurate and unverifiable information, which is a direct violation of the FCRA ( 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) ).

I am formally demanding the following documentation within 15 calendar days from the date of this letter : The original signed contract or application bearing my signature showing liability for this debt.

The complete chain of title or assignment of debt, including all transfers and dates from the original creditor to your agency.

A copy of the bill of sale or purchase agreement showing your agency legally owns this debt.

An itemized statement of all amounts claimed to be owed, including principal, interest, fees, and charges.

Your debt collector license number and the state ( s ) in which you are licensed to collect.

Your surety bond information, as required by law in certain jurisdictions.

If you are unable to produce the above documentation in full, you are legally required to immediately remove this account from all consumer reporting agencies and cease any collection efforts. Further, if you do not legally own the debt, I demand that you return le account to the original creditor and permanently cease any further action on this matter.

Be advised that continued failure to validate, coupled with continued furnishing of false information to credit bureaus, constitutes willful noncompliance under 15 U.S.C. 1681n and is subject to actual, statutory, and punitive damages, as well as attorney fees and court costs.

I am documenting all violations and reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general 's office, and seek relief through litigation if necessary.Let this serve as your final warning. Failure to comply within 15 calendar days will result in further legal Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 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: BTH Management
State: LA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Steel River Systems, LLC
State: FL

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 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 2026-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/year>, I received two PayPal XXXX and XXXX payments of {$1100.00} each ( total {$2300.00} ) for concert tickets I was selling. Before transferring the tickets, I contacted XXXX customer service to confirm the pending payments were legitimate and secure. I specifically asked whether I was cleared to transfer the tickets and whether the funds were guaranteed. The representative told me the pending status was normal, that the payment was secure, and that I could proceed with the transfer. 

Relying on that guidance, I transferred all four tickets the same day. 

On XX/XX/year>, XXXX notified me that both payments were sent via eCheck and had been declined by the senders bank due to insufficient funds. On XX/XX/year>, XXXX confirmed both eChecks officially failed and were cancelled. 

I contacted XXXX again and received inconsistent information about seller protection. I was initially told I would be covered, and later told I would not receive any protection. 

I relied on XXXX recorded representations when transferring valuable property and suffered a {$2300.00} loss as a result. I am requesting reimbursement due to detrimental reliance on XXXX guidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint due to repeated inconsistent and harmful handling of my credit accounts by Capital One, despite a flawless payment history and XXXX delinquencies. 

I have never had a late payment not on this account or any account in my credit history. My credit reports reflect no XXXX-day delinquencies, ever. 

Capital One has provided multiple conflicting explanations regarding the closure of my accounts : 1. I was told my spending activity was not consistent with policy.

2. I was later told the closure was due to a business decision. 
3. In response to a prior CFPB complaint ( Case XXXX XXXXXXXX ), Capital One referenced an alleged hardship communication dated XX/XX/2019 I did not request hardship assistance. 
I was never enrolled in a hardship program. 
I was never on a payment arrangement. 
I was never XXXX  days past due. 

These explanations are materially inconsistent with one another. 

After closing my accounts, Capital One continued sending me pre-approval and approval solicitations for new credit products. Relying on one such approval in the past, I opened a new account. That account was immediately shut down shortly after opening. 

This sequence caused measurable harm to my credit profile due to : A XXXX  inquiry A new account opening Immediate closure Reduced available credit Impact to utilization and average age of accounts Credit score reduction Despite this prior experience, Capital One continues to send approval and pre-approval solicitations. 

If I am not eligible for Capital One credit products due to internal determinations, then continued solicitation is misleading and exposes me to repeated potential harm. 

If I am eligible, then immediate shutdown following approval is inconsistent and harmful. 

A consumer should not be encouraged to apply for credit, incur a XXXX  inquiry, and then have the account revoked shortly after approval. 

I am requesting the following : 1. A clear, singular written explanation reconciling all prior reasons provided for account closure. 
2. Full documentation of any internal risk determinations, including account notes and classifications. 
3. Confirmation of whether I am eligible for Capital One credit products.

4. Removal of any internal flags inconsistent with my spotless payment history.

5. Reinstatement of my prior credit limits and accounts under original terms OR issuance of replacement accounts reflecting equivalent limits and positive history, without requiring a new XXXX  credit inquiry. 

This is not a request for new credit. It is a request to be made whole following inconsistent and harmful account practices despite a perfect payment history. 

I am seeking fair, transparent, and consistent treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I was contacted regarding an alleged debt referenced as XXXX in the amount of {$500.00}, allegedly owned by or associated with XXXX. I do not recognize this debt and was not provided any written notice prior to being contacted. I requested validation of this alleged debt, but to date, no documentation has been provided identifying the original creditor, the basis of the debt, or proof that the collection company has legal authority to collect. 
In addition, despite my request for validation and my request that the company stop calling me, I have continued to receive repeated and successive phone calls, including calls outside of normal business hours. I am unclear whether this account has been placed on my credit report, as I have not received proper notice or documentation explaining the debt. 

This conduct violates the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : 15 U.S.C. 1692g ( a ) Failure to provide proper written notice and validation of the debt 15 U.S.C. 1692g ( b ) Continuing collection activity after a validation request 15 U.S.C. 1692c ( c ) Continuing to contact me after I requested the calls stop 15 U.S.C. 1692d Harassing behavior through repeated or excessive phone calls If this account has been reported or is later reported to consumer reporting agencies without validation, it would also violate the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation after dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: MD

Complaint narrative:
I misunderstood my repayment start date and believed it began XX/XX/XXXX, but it was XX/XX/XXXX. I have never gotten any email or letters from them until it was too late and then put my account in delinquent. I have now contacted them and started a new plan, and I have now brought my account current and set up automatic payments to ensure this does not happen again. I respectfully request a one-time goodwill adjustment to remove the late payment reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CHARLES SCHWAB CORPORATION, THE
State: LA

Complaint narrative:
On XX/XX/year>, a merchant ( XXXX XXXX, XXXX, Louisiana ) applied a separate 3 % processing fee to my debit card transaction. The purchase itself was authorized, but the additional surcharge was applied to a debit card. Card network rules prohibit surcharging debit card transactions. 
I filed a dispute with Charles Schwab XXXX for the surcharge portion of the transaction only ( {$0.00} ). I clearly explained that I was not disputing authorization of the purchase itself, but rather an improper fee added to a debit card transaction. 
Schwab denied the dispute, stating that the fee was charged by the merchant and posted prior to payment. I contacted Schwab and requested a re-review under incorrect dispute classification, explaining that this concerns a prohibited debit card surcharge and should be evaluated as an improper fee rather than an authorization or pricing dispute. 
I resubmitted the claim and provided documentation including the receipt showing the debit card transaction, the surcharge line item, and merchant signage indicating the fee is applied to card transactions. Schwab again issued a final denial and indicated they have no recourse. 
My concern is that Schwab failed to properly evaluate this dispute under the correct classification for an improper fee involving a debit card surcharge and instead treated it as a pricing/authorization matter. 
I am requesting that Schwab reopen and review this dispute under the proper classification for an invalid or improper fee and provide a written explanation of how debit surcharge disputes are evaluated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: OH

Complaint narrative:
I never consented to the release of my medical information to this debt collector. Because the medical account contains private information, it should not be reported on this account because you are infringing on my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately. 

If you want to avoid getting dragged into a civil lawsuit where you may have to pay for damages, for something you did not even intentionally do, I suggest you delete the illegal collection accounts from my credit report today. 

You see, NATIONAL RECOVERY AGENCY, has furnished a collection account on my credit report without validating this debt with me beforehand. In fact, the following debt collectors never sent me a dunning letter ( which is mandatory to validate a debt ) within 5 days of the accounts getting reported ( which is also the initial communication ). Therefore, the accounts listed below must all get deleted from my credit report under 15 USC 1692g. 

However, there is one way you can leave the items on my credit report unscathed. And in order to do this, you must produce proof a dunning letter was sent to my address ( within 5 days of the account getting furnished ). If you can not produce the requested information, then, by law, you must delete the collection items off my credit report by my next report update. 

The only reason I am aware of these accounts are because they were in my credit report. If I got a dunning letter beforehand I wouldve, without a doubt, disputed the debt and never let this criminal debt collectors get away with this disgusting act. This is the reason, I intend to litigate immediately if these items are not removed from my report. I can not stand it when people try to take advantage of others which is obviously what is being done to me. 

So, if you want to free yourself from the heinous acts of the debt collectors in this complaint, simply delete the accounts below and I will drop my claim :

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
Issue Summary : American Express application system repeatedly failing to retrieve credit data despite a high XXXX score and fully lifted credit freezes. 

Description of what happened : I am writing to report a persistent technical failure in the American Express credit evaluation process. 

On XX/XX/year>, I applied for an American Express XXXX XXXX credit card. My application was declined with the reason that no XXXX  score could be found. This is factually incorrect as my current XXXX  score is XXXX ( as verified by XXXX ). 

Before and after the application, I confirmed that I had successfully lifted the credit freezes on both my XXXX and XXXX reports. 

Since XX/XX/XXXX, I have contacted American Express customer service three times. During each call, the representatives ( overseas support ) simply repeated that they could not access my XXXX score. They demonstrated no ability or willingness to investigate why their system is failing to sync with the credit bureaus, nor would they escalate the matter to a US-based underwriter for a manual review. 

I believe there is a significant identity-matching or data-synchronization error within the American Express system that is preventing it from correctly pulling my legitimate credit file. This technical obstacle is unfairly denying a highly qualified consumer with significant US assets and a top-tier credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
Subject : Request for XXXX XXXX XXXX XXXX and Capital One Complicity To Whom It May Concern, My name is XXXX XXXX, account holder with Capital One and renter through XXXX. I am requesting a formal investigation and intervention due to : Fraudulent and deceptive billing practices by XXXX, including unsupported mileage and rental charges, contradictory statements regarding voided contracts that were charged, and improper toll billing, were only reversed after extensive dispute efforts. 

Procedural negligence and complicity by Capital One, accepting one-sided merchant documentation without technical proof, and executing a forced offset before the dispute was properly resolved. 

Despite repeated documentation submissions and official dispute entries, neither entity has provided objective evidence to substantiate contested charges. This dispute has resulted in financial loss, emotional distress, and time burden. 

I request : A regulatory inquiry requiring production of verified technical documentation for disputed charges. 

Enforcement action to restore my account balance to its original positive state prior to the offset. 

Corrective orders to both XXXX and Capital One to cease improper practices and adjudicate disputes fairly. 

If unresolved, I intend to pursue civil legal actions for fraud and complicity in jurisdictions as applicable. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation