vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: AL

Complaint narrative:
I am disputing the collection account reported by The CBE Group , Inc. regarding an alleged debt from XXXX XXXX ( account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account was recently added to my credit file and has not been properly validated. The reporting raises multiple concerns regarding accuracy and compliance with the Fair Credit Reporting Act ( FCRA ). First, The CBE Group has not provided any documentation from the original creditor, nor any assignment or transfer records demonstrating their legal authority to collect this debt. Reporting a debt without proper validation violates FCRA 623 ( a ) ( XXXX ), which requires furnishers to report disputed information as such and ensure accuracy. Second, there is a discrepancy in the reported amounts. The original amount owed is listed as {$190.00}, while the current balance is {$190.00}. There is no explanation or documentation supporting this increase, which raises concerns about improper balance calculation and inaccurate reporting in violation of FCRA 1681e ( b ), requiring maximum possible accuracy. Additionally, there is no documentation showing that I have a contractual obligation with the collection agency, nor evidence that this account has been verified through a reasonable investigation as required under FCRA 611 ( a ). Based on these issues, this account is being reported inaccurately and without sufficient verification. I am requesting : XXXX. Full validation of this account, including original creditor documentation and complete account history XXXX. Documentation of any assignment or transfer of the debt to The CBE Group XXXX. An explanation and breakdown of the balance discrepancy XXXX. The method of verification used to report this account If this account can not be verified with complete and accurate documentation in compliance with the FCRA, it must be deleted immediately from all credit reporting agencies. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
In XX/XX/XXXX, NetCredit approved a fraudulent installment loan for {$10000.00} without my knowledge or consent. I never applied for this loan and never received any funds. I discovered this account in XX/XX/XXXX when a debt collection agency contacted me. When I contacted NetCredit, their representative confirmed the email address on the account does not belong to me. NetCredit approved this loan using fraudulent contact information that did not match my actual records. No billing statements or emails were ever sent to my real address because the application used a different email and mailing address to conceal the account from me. NetCredit failed to adequately verify the identity of the applicant before approving a {$10000.00} loan. This negligent verification process enabled identity theft and caused significant harm including damage to my credit report, weeks of dealing with debt collectors, and emotional distress. I have filed an FTC Identity Theft Report and a police report with local law enforcement. An active criminal investigation is underway. NetCredit has since opened a fraud investigation. I am requesting the CFPB investigate NetCredits identity verification practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Live Oak Financial, Inc
State: GA

Complaint narrative:
Attempts to collect a debt were made for a invoice I paid over XXXX months ago that was paid before due date. Creditor AND insurance company verified with collector that there is no debt and I am paid in full. Creditor also told me they are not affiliated with the debt collector. Collector still continues to send me emails at XXXX in the morning at least once a week, as well as letters to my house. I have spoken to collector multiple times, including on a joint call with the collector, creditor 's billing department, and insurance, and my account still remains unresolved. Collector informed us to call back within a week after they escalated to their supervisor, and we have called multiple times and both the main line and collector 's personal line go to voicemail. The collector gave me his personal line again and told me to " keep this between us ... as to not confuse others ... keep it private between us. '' They have my full SSN and date of birth and required I give it to them to verify my account before they would speak to me about it.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I contacted CFPB because wells fargo did indeed add fees to my account. They lied about it in their statement. How did a XXXX credit limit go up to over XXXX dollars in charges.

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 2026-04-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: WLCC
State: CA

Complaint narrative:
I took out a payday loan with Enable Loans in XXXX of XXXX. I later sent emails revoking all ACH and EFT Authoizations, as well as all Voluntary Wage Assignments. As of today, XX/XX/XXXX, their affiliate, XXXX XXXX, has sent fraudulent and unenforceable wage demands to my employer twice. I have sent multiple emails to both companies asking them to cease and desist all communications with my employer, and those demands have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I have had this XXXX XXXX Navy Federal Credit Union card for some years, I recently lost my job due to the federal jobs and programs. I called to get an extension hoping to save my card, shorty after the card was cancel. The reason NFCU is give me is that the was upon its expiration and was decided not to renew. It has been a long journey dealing with NFCU XXXX behaviors and not offering certain services to me, and being very XXXX in their interaction with me. They waited for the perfect opportunity to cancel my card, I have reported NFCU practices over and over again and nothing has been done or looked into the practices this company commits on a daily bases.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: DE

Complaint narrative:
Your Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : FORMAL DISPUTE - REQUEST FOR INVESTIGATION & DELETION To Whom It May Concern, I am formally disputing several inaccurate, incomplete, and unverifiable items reporting on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to ss 168le ( b ), 168li, and 1681c. You are reporting accounts that contain inconsistencies, missing required data, and/or lack proper validation. I demand a reasonable investigation and deletion of any information that can not be verified. The following accounts are disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Charge-Off {$870.00} These accounts appear to be : Unverified and/or not properly validated Reporting inconsistent dates and/or balances Missing complete payment history and required documentation Potentially re-aged or inaccurately reported Under FCRA 168li, you are required to conduct a reasonable investigation within 30 days. If you can not verify these accounts with original documentation, they must be permanently deleted. Additionally, if any furnisher fails to comply with FCRA {$620.00} obligations, continued reporting constitutes willful noncompliance. I request : Immediate investigation of all disputed accounts Verification with original signed contracts and full account history Permanent deletion of any unverifiable accounts Updated credit report reflecting corrections Failure to comply may result in complaints filed with the CFPB, FTC, and Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
I disputed an account being reported and collected by this company. I requested full validation of the alleged debt, including the original agreement, complete account history, and proof of ownership. The company marked the account as verified but did not provide any documentation to support the validity of the debt. Simply confirming information internally does not constitute a reasonable investigation under the Fair Credit Reporting Act. This account remains unverified and is being reported inaccurately on my credit report. I have made a good faith effort to resolve this issue directly, but the company has failed to provide the requested documentation. I am requesting that the company either provide full documentation supporting the validity of this debt or immediately delete the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was a robbery victim in XXXX XXXX XXXX XXXX with a documented history of XXXX that was known by Wells Fargo Bank due to documentation of XXXX XXXX on recorded calls to the bank. Wells Fargo refused to help me in XXXX and threw me out of the bank. In XX/XX/XXXX my phone was stolen and I went to wells Fargo for help. I was XXXX XXXXXXXX XXXX once again thrown out the bank. I agreed to leave but asked the banker to call the cops and secure my account. He refused and said to just leave. I did but in a XXXX XXXX ran up to XXXX XXXX females asking for money - no intention of taking anything. I just wanted to get the banker to care and call the cops. I was wrongfully arrested for XXXX - no weapon, didn't touch anyone or take anything. It was all to get the banker to help me. After XXXX months of fighting the case, I pled to XXXX XXXX, which just means that I approached in a XXXX XXXX. I admit I was XXXX XXXX XXXX and there was a language barrier. Wells Fargo subsequently did close my account but I feel that both myself and the XXXX females I approached are entitled to financial compensation since it was the XXXX time I was a crime victim and my bank refused to help me knowing that I have 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 2026-04-07 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and 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 explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am filing an urgent complaint against Capital One for restricting access to my online banking and effectively denying me access to my own money due to their internal system errors and administrative failures. Following a legal name change, I correctly requested that Capital One update my name across all of my accounts. While my primary active accounts were updated, Capital One failed to update my name on an old, closed credit card account. This failure on their end created a backend demographic mismatch in their system, which has completely locked me out of my online banking profile. I have spent over XXXX hours on the phone and have been bounced between at least XXXX different representatives. During XXXX transfer to their XXXX XXXX department , a representative acknowledged the mismatch and was about to force the update to fix my profile, but the call was disconnected, and Capital One 's phone system has made it impossible to route back to that department. Instead of fixing their digital error, the escalations department is now demanding that I mail a physical letter containing my sensitive identifying documents to their " General Correspondence '' XXXX XXXX XXXX XXXX to request the name update. It is entirely unacceptable and an unreasonable burden to demand I wait weeks for physical mail processing to regain access to my daily checking/savings funds because Capital One 's XXXX systems can not properly execute a master profile merge. I am requesting immediate intervention from Capital One 's XXXX XXXX XXXX to bypass frontline customer service, correct this backend mismatch today, and restore my online banking access so I can access my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On Sat XXXX, I received notification that there was suspicious activity on my XXXX acct. so I XXXX XXXX XXXX customer service phone and called that number to resolve. I was told that I needed to update my card info in my XXXX wallet and do a few mock transactions in order for XXXX to be able to differentiate between me and the hackers trying to use my acct. Because of this explanation and the fact that I thought I was talking to XXXX customer service, I approved the first transactions on my phone notification because I did not think they were fraud at first. I was told these transactions would not post to my acct and were just for informational purposes to locate where I was versus where the hackers were trying to use my info. Four transactions have now posted to my checking acct through Pay pal for a company called XXXX. The amounts are as follows : {$490.00} {$190.00} {$150.00} {$30.00} I called PayPal to dispute these charges and they said it may take up to 20 days to resolve. The email address listed for XXXX said its an invalid address upon trying to contact them and there is no phone number listed. I am trying to resolve this with my bank. Clearly I got scammed. PayPal, has now been closing my disputes in favor of XXXX. Even tho there is no way for me to contact XXXX and cancel these transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for a Capital one Venture One travel credit card in XX/XX/2026. I followed an online link on my phone after XXXX travel credit card capital one- All 3 cards presented and all of the info ( even the fine print ) about their benefits does not specify what type of credit card you will be receiving ( eg visa mc ). I have perfect credit and was preapproved for all three cards. I moved forward with the one that best met my needs ( or so I thought ). Only when I received it did i realize it was a XXXX card. We are headed to XXXX and I would have never applied for the card at all had it been made clear receiving a XXXX issued card was an option. I am guessing somewhere in very fine print way into the process this may be stated but it was not at all clearly disclosed even several steps into the process. I am sad to have applied at all and then having to cancel the card immediately after opening because of their deceptive advertising. Now my credit will be negatively impacted for no reason other than Capital Ones lack of transparency

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing a formal complaint regarding an ATM cash deposit error involving my business checking account with Chase Bank. On XX/XX/year>, at approximately XXXX XXXX ( Sunday ), I deposited {$3100.00} in cash ( all in {$20.00} denominations ) at the drive-through ATM located at XXXX XXXX XXXX XXXX XXXX, Texas. The ATM is attached to the brick side of the Chase branch building. During the transaction, the ATM malfunctioned, shut down, and displayed an error message. It printed a receipt instructing me to call a phone number but failed to credit the deposited funds to my business checking account. I immediately contacted Chase the same evening, around XXXX XXXX and filed a claim with the fraud department. Despite promptly reporting the issue, the missing funds have not been credited to my account. Additionally, I visited the same branch in person the following Monday to seek assistance. However, I was informed that the branch could not help or expedite the matter and that I would need to rely solely on the number provided on the ATM receipt. This situation is unacceptable, as it involves a significant amount of business funds that were properly deposited but not credited due to an apparent ATM malfunction. I am requesting a full investigation of this incident and immediate credit of the {$3100.00} to my account. I expect prompt resolution of this matter, as the delay is negatively impacting my business operations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: MI

Complaint narrative:
Hi XXXX, Thank you for letting us know, and I'm very sorry to hear that happened. We reached out to our regional manager and confirmed that in order to break a lease, we would require a 60-day notice to vacate and the lease break fee is equal to one month of rent, for you that is {$1300.00}. Since you had a move-in special of {$640.00} for XXXX rent, that would need to be paid as well. So altogether, {$1900.00} would need to paid at the time of giving notice. The 60-day notice starts on whichever day you turn in your notice ( if you would like it to start today, please be sure to email back your notice to vacate before midnight tonight ). You would be responsible for rent and utilities during the 60 days. Please let us know if you have any questions, the above comment from the Ast. property manager from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I formally dispute American Expresss conclusion that I benefited from this account. This account was opened and/or used without my knowledge or authorization. Any alleged benefit is the result of fraudulent use of my personal information. I did not authorize, access, use, or receive any goods, services, or financial gain from this account. I have already filed an identity theft report with the Federal Trade Commission and submitted supporting documentation. American Express has not provided verifiable proof that I knowingly participated in or benefited from this account. Under the Fair Credit Reporting Act ( FCRA ) and applicable federal law, the burden is on the furnisher to prove the debt is valid and authorized. I am requesting : The method of verification used All documents bearing my signature IP logs, application data, and transaction records Proof of delivery for any goods/services allegedly received If this information can not be provided, this account must be removed immediately from all credit reporting agencies. I am also requesting this matter be escalated for further investigation as identity theft.

Company response to consumer: Closed with non-monetary relief