vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: AL

Complaint narrative:
HWARFIELD is falsely reporting on my credit. I have never had any accounts with them. Per my research HWARFIELD is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Validation of Debt Request XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Validation of Debt Request XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Validation of Debt Request XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 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: CIG FINANCIAL LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding add-on vehicle protection products that were financed into my auto loan during the purchase of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AutoNation XXXX XXXX XXXX XXXX XX/XX/XXXX. During the purchase, two vehicle protection products were sold and financed into the loan : Platinum Vehicle Protection Plan {$7300.00} Vehicle Care Protection Plan {$1700.00} These products were presented as providing comprehensive protection similar to bumper-to-bumper coverage for the vehicle. However, the contract booklet and governing terms for these products were never provided to me despite multiple written requests after the purchase. Shortly after taking possession of the vehicle, several mechanical and safety issues occurred. When attempting to utilize the protection plans, AutoNation later claimed that the coverage had already been exhausted after minimal claims. Because the contracts and coverage terms were never provided, it was impossible for me to review the limitations or determine how the coverage could have been exhausted so quickly. I have repeatedly requested the governing service contract documentation but AutoNation has not provided it. These add-on products totaled {$9100.00} and were financed into the vehicle loan, yet the protections represented at the time of sale have not been honored. I am requesting that the Consumer Financial Protection Bureau review this matter as a potential issue involving add-on financial products sold with an auto loan where the governing terms and disclosures were never provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: FL

Complaint narrative:
On XX/XX/year> I XXXX XXXX contacted each credit bureau in regards to this inaccurate information. ( Self / Lead - Acct. # XXXX - Balance {$0.00} ). Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within 30 days of receipt of this letter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filing this new complaint because Capital Ones response to my previous case ( Case : XXXX ) contains a factual impossibility. Capital One claims they 'charged off ' my account on XX/XX/year>. However, XX/XX/year>, was XXXXXXXX XXXX XXXX a federal banking holiday where the Federal Reserve and all major banking systems were closed. My payment posted on XX/XX/XXXX, the very first business day that banking systems were operational. Under the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate information. It is physically impossible for a legitimate 'Charge-Off ' to occur on a federal holiday for an account that was settled the first moment the banks reopened. I am requesting a full deletion of this inaccurate and predatory tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Request for Debt Validation and Investigation To Whom It May Concern, I am submitting this complaint regarding a debt that has been reported under my name and that I formally dispute. I am requesting full validation of this alleged debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). I have not been provided sufficient documentation to verify that this debt is accurate, that the amount claimed is correct, or that the reporting party has the legal authority to collect on this account. Specifically, I am requesting : XXXX. The name and address of the original creditor XXXX. A copy of the original signed agreement or contract XXXX. A complete payment history, including how the current balance was calculated XXXX. Documentation showing the reporting partys legal right to collect this debt XXXX. Proof that the debt is within the statute of limitations Until proper validation is provided, I request that all collection activity cease and that this account not be reported to any credit reporting agencies. If it has already been reported, I request that it be marked as disputed immediately. I also request that your agency investigate this matter and require the reporting party to provide proper documentation or remove the account from my credit report. Thank you for your attention to this matter. I expect a written response regarding the outcome of this investigation. Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$520.00} {$120.00} {$220.00} {$450.00} My phone was stolen and compromised they got into all my information.i did a police report and sent it to chime as they requested but still denied my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing this complaint regarding inaccurate reporting to XXXX. I previously disputed this account with XXXX and requested verification of the information being reported. The reporting bank has failed to provide proper documentation verifying the alleged debt or account ownership. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), consumer reporting agencies and furnishers of information must maintain accurate and verifiable records. Despite my request for verification, the account continues to be reported without proper evidence that I authorized or owe the alleged balance. I am requesting that the bank either provide verifiable documentation proving the accuracy of this account or immediately request deletion of the record from XXXX. Reporting unverified information is a violation of the Fair Credit Reporting Act and causes significant harm to my ability to open a bank account and participate in the financial system. Resolution Requested : Immediate deletion of the XXXX entry or full documentation verifying the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/year>, XXXX unauthorized cash withdrawals totaling {$1600.00} were made from my account at approximately XXXX PM and XXXX PM at or near XXXX XXXX XXXX, XXXX, NJ XXXX. I did not authorize these transactions and was not present at that location. At the time the withdrawals occurred, I was traveling northbound on the XXXX XXXX XXXX and arrived at my wifes workplace parking lot at approximately XXXX PM. My timeline and location data are inconsistent with the transaction location ( I'll update proof of travel ). I reported the activity to JPMorgan Chase within hours of discovery. On XX/XX/year>, I received a denial letter stating that the transactions were processed according to the information provided or were authorized. The letter did not describe the investigative steps taken or the evidence relied upon to reach that conclusion. I requested escalation and specifically asked whether ATM XXXX footage was reviewed. I was informed that I would need to obtain a subpoena to access video footage, effectively shifting the burden onto me despite the banks obligation under Regulation XXXX to conduct a reasonable and good faith investigation. To date, Chase has not provided documentation of : The investigative procedures performed The authentication analysis conducted Whether XXXX footage was reviewed The basis for concluding the transactions were authorized beyond noting that a PIN was used I have since filed a police report for unauthorized withdrawals, and supporting documentation will be provided upon availability. I am deeply concerned that my claim was dismissed without a documented, thorough investigation. The manner in which my dispute was handled gives the appearance of inconsistent treatment and raises concerns about whether similarly situated customers would have received provisional credit or a more comprehensive review before denial.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Request for Debt Validation and Investigation To Whom It May Concern, I am submitting this complaint regarding a debt that has been reported under my name and that I formally dispute. I am requesting full validation of this alleged debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). I have not been provided sufficient documentation to verify that this debt is accurate, that the amount claimed is correct, or that the reporting party has the legal authority to collect on this account. Specifically, I am requesting : XXXX. The name and address of the original creditor XXXX. A copy of the original signed agreement or contract XXXX. A complete payment history, including how the current balance was calculated XXXX. Documentation showing the reporting partys legal right to collect this debt XXXX. Proof that the debt is within the statute of limitations Until proper validation is provided, I request that all collection activity cease and that this account not be reported to any credit reporting agencies. If it has already been reported, I request that it be marked as disputed immediately. I also request that your agency investigate this matter and require the reporting party to provide proper documentation or remove the account from my credit report. Thank you for your attention to this matter. I expect a written response regarding the outcome of this investigation. Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo charged me XXXX XXXX monthly service fee on XX/XX/year> when I had made a cash deposit to meet the daily minimum balance which should not require any processing time.

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 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY

Complaint narrative:
I have been attempting to close my TD Bank account for over 18 months. I no longer reside in the United States and I no longer have access to my XXXX XXXXXXXX phone number, which prevents me from accessing my online banking due to two-factor authentication. I sent two written requests to close the account and provided all required documentation. I did not receive formal confirmation of closure. There is a remaining balance of over {$500.00} in the account. I previously provided instructions for the transfer of these funds. Despite multiple phone attempts and written communication, TD Bank has failed to properly assist me, close the account, or provide a clear resolution. I have been unable to access my own funds or obtain confirmation that the account has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
this is a follow up to complaint XXXXXXXX XXXXSynchrony card We agreed to 0 % for XXXX months with our purchase. I asked if it was a true 0 % or retro interest after XXXX. We were told it was true 0 %. The salesman came back and said the lender, Syncrony, wanted XXXX months and we okayed. I have since learned from a XXXX employee that the policy has always been true 0 % for XXXX months, but anything over became a retro interest loan. This was never disclosed. I would never have agreed to that. I worked finance, I know the difference.

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 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC
State: TN

Complaint narrative:
Validation of Debt Request - QUALIA ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Validation of Debt Request- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
I asked them to please stop contacting me about the debt and that I would contact them when I am able to make the payment. They kept calling from one number so I blocked it. A week or so later, they called me again repeatedly from a different number from which I ended up blocking that number from my phone also. They did this a third time and today I got a call from a XXXX area code ( they usually didn't call from a XXXX area code so I didn't think it was them ). I picked up the phone call from the XXXX area code and the lady on the phone asked if I was available, I asked where she was calling from. She said I am trying to contact XXXX XXXX in regards to a business matter. I asked where she was calling from and she then again said that it was for a business matter. I put her on hold so I can google the phone number quick but she hung up. Upon my google search of the phone number, I didn't see anything come up for the collection company. I then decided to call the number back to see if it would give me a " Thank you for calling XXXX XXXX' kind of introductory automated message and it did. It said thank you for calling Sunrise Credit Services. So that is when I realized the lady was refusing to disclose where she was calling from in order to keep me from turning down the call. She refused to disclose where she was calling from after I kept blocking the numbers to avoid further communication. This method is deceptive.

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 2026-03-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I disputed a debt that is not owed with Transunion. The history XXXX continued to charged my credit card after i had canceled their service and ported my phone number to XXXX. I disputed the charge with them and they said I wouldn't owe anything. Now i have a collections so instead of keeping their word sent my account to collections. my credit card and XXXX have already refunded me and removed this from my report on XXXX. Please help me to do the same with Transunion and any other bureau with this false 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 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
On XX/XX/year>, my PayPal account was compromised by an unauthorized third party logging in from XXXX, XXXX ( XXXX : XXXX : XXXX : XXXX ). Following this breach, a series of rapid, unauthorized transfers and purchases ( including multiple XXXX transactions ) were made, totaling {$10000.00}. PayPal 's own internal security system recognized this breach and successfully blocked several automatic payments on XX/XX/year>. Despite PayPal 's system acknowledging the fraudulent activity, when I reported the remaining {$10000.00} as unauthorized, PayPal 's automated system instantly denied my claim, incorrectly stating the activity was 'consistent with my history. ' I formally appealed this decision and, as instructed by PayPal 's own denial email, requested the documentation and evidence used to deny my claim. PayPal responded with another automated email, completely ignoring my evidence of the XXXX XXXX and explicitly failing to provide the requested investigation documents. I am filing this complaint because PayPal allowed a massive security breach, ignored its own internal fraud flags, and is now withholding investigation documents in an attempt to stonewall an appeal for over {$10000.00} in stolen funds.

Company response to consumer: Closed with explanation