vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt.

This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation.

Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

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 — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/2025, My card was used fraudulenty to make purchases with a number of companies without my knowledge, I put in a claim with Wells Fargo on XX/XX/XXXX, XXXX through out the investigation I received some credit back and a return of some funds. I called twice through out to check up on the status, I waited the 90 days for it to be completed. I put a claim in for a transaction for XXXX XXXX for the amount of XXXX , and this is the claim im having an issue with because Wells Fargo claims the transaction Fell off and the funds were put back into my account but because it fell off I can no longer see the transaction or the money returned into my account. Im not sure why they can not show the money returned. I just want to make sure this was fair for me and the money was truly returned. 
The images shared contain my bank statement from the month of XX/XX/2025 showing the missing transaction of XXXX XXXX  and also missing the Credited amount, or money sent back to my account, The other image is the claim I put in with the amount of XXXX $

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: GA

Complaint narrative:
Im unaware of the debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide certified mail with receipt displaying my signature if not, please delete account as soon as possible from my report or I will have to take legal action.

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 — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I signed up for XXXX XXXX XXXX ( XXXX ) but never used it. On XX/XX/year>, I texted/app-submitted cancellation : Submitted cancellation today, end date wrong ( XX/XX/XXXX ), never used address/mail/services. Close immediately, waive notice, confirm no extra charge. No reply. 
XX/XX/year> : Sent 3 escalation emailsignored. 
XX/XX/year> : They emailed : Your agreement will end on XXXX XX/XX/year>. At this point, your service will no longer be active. We will also discontinue your complimentary lounge membership. ( Proof attachedshows they knew I canceled but still billed. ) XX/XX/year> : Formal dispute email with proofignored. 
Then : Auto-bills rose to {$310.00}, rejected {$150.00} settlement, collections ( Caine & Weiner ) threatened credit reporting but refused validation. Bank blocked charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXXXXXX ] [ XX/XX/year> ] [ XXXX XXXX XXXX XXXX XXXX XXXX [ XXXXXXXX XXXX XXXXXXXX RE : Account Number [ XXXX ] To Whom It May Concern, I am writing to formally dispute the validity of the alleged debt referenced above. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

Be advised that this is a formal demand for validation, not a mere verification of my identity. To satisfy your legal burden of proof, you are required to provide the following : Itemized Proof of Debt : A complete breakdown of the alleged debt, including the original principal, and an itemized list of all interest, late fees, and collection charges added.

The Original Agreement : A copy of the signed contract or agreement between myself and the original creditor.

Chain of Title : Legal documentation proving that your agency has the authority to collect this specific account ( e.g., a Bill of Sale showing the transfer from the original creditor to you ).

License Verification : Evidence that you are legally licensed to collect debts in the state of [ Your State ].

Regarding Credit Reporting ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : As a furnisher of information, you are legally prohibited from reporting any information to credit bureaus that you knowor have reasonable cause to believeis inaccurate. Because I am formally disputing the accuracy and existence of this debt, any continued reporting of this account to XXXX, XXXX, or XXXX without first providing the requested validation will be documented as a willful violation of the FCRA.

You must cease all collection activity immediately until you have provided the requested documentation. If you can not provide this evidence within 30 days, I expect you to close the file and remove all references to this account from my credit reports. 

Sincerely, XXXX 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 — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
b"On XXXX XXXX I was contacted by someone who said they were from the fraud department at Chase Bank.  The person's name was XXXX XXXX and she said they suspected at inside job at Chase and needed my help to catch the person.  She called from a Chase number, XXXX XXXX.  I was to transfer XXXX from my checking account to another account, account number XXXX.  I was told that the funds would be put back in may account by XXXX  the following day.  I went to the bank and transferred these funds.  The teller did not question this large amount.  The following day, XXXX XXXX I was contacted by XXXX  again to do the same thing from my savings account.  The amount for this was XXXX.  The account number to transfer to was XXXX.  Again I went to the bank and did this and the teller did not question this large amount.  The following day I realized this was fraud and called Chase to confirm that.  They said they couldn't help retrieve any funds because I actually went in and transferred the funds myself.  I am out a lot of money and really need it back. XXXXXXXX  also walked me through accessing my XXXX  account and put in two requests with no money to help catch the person.  I did this and then two days later I had XXXX  withdrawals, one for $XXXX  to XXXX XXXX the other for $XXXX  to XXXX XXXX XXXX."

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: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year> I created a new cash app account, and after the moment I completed setting it up my account I was blocked from being able to use any of its functions. On XX/XX/year> I make a complaint asking them why my account was frozen and they proceeded to tell me that I was locked out of my account until further investigation. So as of yesterday XX/XX/year> cash app sent me a email stating that I would no longer be able to use my account due to the fact that I used my app for gambling purposes. And there's absolutely no way that could be possible because I've been in prison for the past 5 years. So I feel at very best that someone stole my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX Ny XXXX ] [ XX/XX/year> ] [ midland credit management XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX [ XXXX mi XXXX RE : Account Number [ XXXX ] To Whom It May Concern, I am writing to formally dispute the validity of the alleged debt referenced above. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). Be advised that this is a formal demand for validation, not a mere verification of my identity. To satisfy your legal burden of proof, you are required to provide the following : Itemized Proof of Debt : A complete breakdown of the alleged debt, including the original principal, and an itemized list of all interest, late fees, and collection charges added. The Original Agreement : A copy of the signed contract or agreement between myself and the original creditor. Chain of Title : Legal documentation proving that your agency has the authority to collect this specific account ( e.g., a Bill of Sale showing the transfer from the original creditor to you ). License Verification : Evidence that you are legally licensed to collect debts in the state of [ Your State ]. Regarding Credit Reporting ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : As a furnisher of information, you are legally prohibited from reporting any information to credit bureaus that you knowor have reasonable cause to believeis inaccurate. Because I am formally disputing the accuracy and existence of this debt, any continued reporting of this account to XXXX XXXX XXXX XXXX  without first providing the requested validation will be documented as a willful violation of the FCRA. You must cease all collection activity immediately until you have provided the requested documentation. If you can not provide this evidence within 30 days, I expect you to close the file and remove all references to this account from my credit reports. Sincerely, XXXX XXXX ] I want the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Hello, My payment went up from {$1200.00} in XXXX to {$2000.00} in XXXX almost {$770.00} My tax went from {$3300.00} in XXXX to {$3500.00} XXXX I have called XXXX XXXX line and found out : I was charged {$5600.00} in XXXX, when my XXXX XXXX assessment was {$3400.00}. I am charged {$2200.00} more. I need immediate refund. This is what caused my mortgage payment go {$1400.00} ( all of XXXX ) from {$1200.00} ( XXXX ). 

In XXXX im set to pay {$3900.00} in XXXX and that is already more than county assessed tax {$3500.00}. 

source : https : //www.polkcountyiowa.gov/county-assessor/ I am assuming I have been charged twice for taxes in past years. 
This is formal notice to dispute all additional charges happened in XXXX and XXXX and need immediate refund.

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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX, I purchased an international airline ticket from XXXX XXXX for travel from XXXX to XXXX. The charge of approximately {$640.00} was placed on my Citi XXXX XXXX XXXX credit card. 

Due to a significant snowstorm impacting travel conditions, I contacted XXXX XXXX on XX/XX/year> to request cancellation and to inquire about available weather waivers or refund eligibility. The representative informed me that no refund or credit would be issued and did not provide a clear explanation of the applicable fare rules or any review of potential policy exceptions. 

I attempted to resolve this matter directly with the airline but was not provided meaningful assistance or escalation. I believe the merchant has not properly evaluated refund eligibility under its published policies or applicable consumer protections. 

I am requesting that the credit card issuer review this dispute and determine whether the charge should be reversed if the merchant is unwilling to provide appropriate relief. 

Confirmation : XXXX - XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: CA

Complaint narrative:
XX/XX/XXXX. 

CASE XXXX XXXX XXXXXXXX with Capital One To Whom it May Concern, Hello, I have been actively disputing a charge on my account since XX/XX/XXXX. On XX/XX/XXXX I ordered two items from MLB.Shop.Co ( order number XXXX ) and I used XXXX to purchase on my credit card. Only one item was successfully delivered to me. The other item was marked off as damaged and sent back to the sender. They informed me when the sender received the package back they would refund me. I got a message that it was received by the sender on XX/XX/XXXX and I never received my refund. I reached out to the merchant XXXX multiple times and they stated to wait XXXX business days. After that they stated they that could not refund me because the item was delivered. Even though, the item was delivered to an address that is NOT mine. I finally decided to dispute this case with Capital one but I keep being told I am responsible, because the package was delivered. I have been in the process of disputing this with capital one since XX/XX/XXXX, and each update they kept requesting more information which I sent through as evidence. Finally after I called in on XX/XX/XXXX, they said I needed to send through a progressive letter for the dispute, which I was never informed of. I sent that through XX/XX/XXXX and then reopened the case again, then the dispute was closed again. Finally I called in today, XX/XX/XXXX only to be told that my progressive letter had to signed thats why they could not accept it. I re-submitted it signed and then the dispute was closed again. I called again to be told that I had passed the deadline to dispute the charge and I even reached out to XXXX who told me that I passed the deadline for a refund as well. In all, the package was never delivered to me or my address, the package was delivered back to the sender and to a different address than mine and a different state than mine. I provided proof of this with its tracking number. The tracking number of the returned item with UPS is XXXX XXXXXXXX and it clearly states, the package was returned to sender on XX/XX/XXXX and received by sender on XX/XX/XXXX in XXXX, MI XXXX by a XXXX. This package was sent to an address that is not mine and received by a person that is not me. I reached out to the merchant again on XX/XX/XXXX and they refused to refund because the package is marked as delivered. I would greatly appreciate any assistance on this refund. I am only asking for the full refund of the one item and shipping that was not sent to me which is {$69.00} not the full amount of the charge which was {$220.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: WA

Complaint narrative:
XX/XX/year> Cash App allowed a {$260.00} with international fee, and tariffs totaling {$260.00} to go out of my account to a XXXX. I have never purchased from. Nor have I ever used my Cash App card to ever purchase anything out of all the years I have had the card XXXX XXXX they they do not accept Cash App ( XXXX ) XXXX - XXXX. 

I plead with Cash App to stop the transaction. Cash App refused and illegally release my money to scammers. I never authorized this payment not ordered from this company. 

XXXX states they do not have any such payments of activity. Or knowledge of the transaction. 

I filed dispute with Cash App and Cash App quickly denied, I reached out again with full evidence, I would find out Cash App denied again without informing me. I found an appeal. 

Cash App release my money to someone who used XXXX name and no denied to payment back my money illegally released and sent out. 

A long company placed XXXX in my XXXX that was a scam. There was two attempts to send the {$270.00} out but it declined as a scam. I found out it was a scam. And did not send the money out. Somehow. Cash App allowed a false XXXX to get into my account and take out {$260.00} without authorization. XXXX is of my own money and the rest needs to be returned to XXXX. 

Cash App is doing everything to refuse refunding my money. 

Not only that Cash App attempted to close my account according to the representative. I appealed that as well. My account still has a {$7.00} balance. 

I feel that the attempt is out of retaliation that I am reporting Cash App

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: SG and Associates
State: NC

Complaint narrative:
I was told I owe {$3000.00} dollars to XXXX XXXX XXXX but they couldnt provide which one. Then asked me to pay the amount before it goes to court and garnish my wages.

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding Wells Fargos misleading information, repeated delays, and unprofessional handling of our lienholder authorization request, which was required to ship our vehicle from Hawaii to the U.S. mainland. 

We first contacted Wells Fargo last Wednesday. Since then, we have received constantly changing timelines, including 24 hours, 48 hours, and 23 business days, with no clear explanation. It has been extremely difficult to reach any responsible representative, and there was no clear point of contact. 

We relied on these assurances and traveled to Hawaii to proceed with shipment. However, Wells Fargo continued changing its explanations, stated that more time was needed without justification, and made direct communication impossible. As a result, we were unable to obtain the required documents and were forced to return without completing the shipment, causing financial loss and emotional distress. 

We are also under pressure from the shipping company to adjust our schedule, but Wells Fargos lack of transparency makes planning or contract revisions impossible. 

In addition, the representative named XXXX was rude and dismissive, frequently interrupted us, and claimed to be the manager when we asked how to file a complaint. She showed no willingness to help. 

We only received automated document requests and no meaningful feedback after submitting them. There was no accountability or case ownership. 

We request a full investigation and immediate resolution, clear written guidance, and improvements to prevent similar harm to other consumers. 

Sincerely, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
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: NC

Complaint narrative:
I had XXXX. From my EOB I do not owe anything. They charged me {$300.00} without my permission. Capital One says I have to pay this, even though I never agreed with the charge. I have an EOB from my insurance company showing info not owe anything

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: eCon Credit LP
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Untimely response