vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Portfolio Recovery Associates , LLC, XXXX. XXXX XXXX XXXX, VA XXXX To Whom It May Concern, I am writing in response to your communication dated XX/XX/year> regarding the alleged debt referenced above. 

This letter is not an acknowledgment of any debt. I am requesting validation of this debt pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Please provide the following : 1. The amount of the alleged debt, including an itemized breakdown of principal, interest, fees, and any other charges.

2. The name and address of the original creditor.

3. Copies of any documents bearing my signature that show I agreed to assume this debt.

4. Proof that you are legally authorized to collect this debt, including your license to collect in my state, if applicable.

5. Proof that the statute of limitations has not expired on this account.

During the validation period, please cease all collection activities, including reporting this account to any credit reporting agencies. If the debt has already been reported, please note that it is disputed.

If you are unable to provide the requested documentation, please close your file and confirm in writing that this matter is resolved. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint narrative:
XXXX XXXX XXXX XXXX. XXXX XXXX In the Matter of : CONSENT ORDER USAA FEDERAL SAVINGS BANK, he Bureau of Consumer Financial Protection ( Bureau ) has reviewed the stop payment, error resolution, and deposit account re-opening practices of USAA Federal Savings Bank XXXX XXXX XXXX USAA, or the Bank, as defined below ) and has identified violations of the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C.

1693 et seq., Regulation E, 12 C.F.R. pt. 1005, and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5531, 5536. Under Sections 1053 and 1055 of the CFPA, 12 U.S.C. 5563, 5565, the Bureau issues this Consent Order ( Consent Or, Respondent has executed a Stipulation and Consent to the Issuance of a Consent Order, dated XX/XX/XXXX ( Stipulation ), which is incorporated by reference and is accepted by the Bureau. By this Stipulation, Respondent has consented to the issuance of this Consent Order by the Bureau under sections 1053 he following definitions apply to this Consent Order : a. Account Reopening Affected Consumer includes any consumer whose deposit account USAA reopened during the Account Reopening Redress Period without obtaining the consumers prior authorization and providing timely notice to the consumer. 
b. Account Reopening Redress Period includes the period from XX/XX/XXXX to XX/XX/XXXX. 
c. Automated Clearing House or ACH means the electronic network facilitating financial transactions that is administered by the 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 2026-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I was approved for federal student loan discharge under XXXX XXXX in XXXX and XX/XX/2025. Nearly one year later, the discharge has not been implemented. My servicer states they can not act without Department of Education instruction, and the Department states it is processing with no timeline. 

This constitutes administrative negligence and is causing financial and credit harm. I am requesting immediate supervisory review and enforcement action to compel implementation of my approved discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am writing regarding two collection accounts appearing on my credit report that I do not recognize, did not authorize, and do not belong to me. Discovering these unverified debts has been extremely distressing, especially as I have been subjected to repeated collection attempts through various communication platforms, including intimidating and coercive tactics. Being treated as though I owe debts that are not mine is deeply insulting and violates my rights as a consumer. This ongoing issue has caused significant emotional distress, anxiety, and sleepless nights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 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: AL

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 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
I dispute the following student loan tradeline as inaccurate and/or unverifiable : Dept. of EducatioXXXX / Aidvantage Balance Reported : approx. {$3000.00} Status/Ownership/Accuracy is disputed. 
Please reinvestigate under 1681i ( a ). If the furnisher can not verify accuracy with competent documentation ( original note, full payment history, lawful servicing/ownership ), you must delete or correct. You must adhere to maximum possible accuracy under 1681e ( b ). 
Case Law Support : Courts hold that credit bureaus must perform a real, reasonable reinvestigation and can not XXXX XXXX  a furnisher. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ( reasonable reinvestigation required ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ( maximum possible accuracy duty ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ( reinvestigation must be reasonable ) ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( CRA liability for unreasonable reinvestigation ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( inaccuracy can include objectively verifiable legal status issues ). Furnishers must also reasonably investigate disputes forwarded by a bureau. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Notice of Rights / Liability : I reserve my right to sue under 1681n1681o if inaccurate reporting continues after notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2026-01-12 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am submitting this dispute to Experian regarding the following accounts. I believe that the information reported on my credit report is inaccurate, incomplete, and should be corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). Below are the accounts I am disputing with Experian. 

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

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 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc.
State: TX

Complaint narrative:
To KICKOFF CEO XXXX XXXX, I am writing in formal dispute of the above-referenced account, which your company is reporting on my consumer credit report. This account was not opened by me and is the direct result of identity theft. 
I previously notified your company that this account was fraudulently opened. In response, your company improperly requested payment statements and referenced alleged late payments. I do not acknowledge this debt, as I did not authorize, open, or benefit from this account in any manner. 
Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and Fair Debt Collection Practices Act, you are required to conduct a reasonable investigation when identity theft is reported. Continuing to report this account after receiving notice of fraud constitutes inaccurate reporting and willful noncompliance. 
Enclosed is a copy of my government-issued identification. You may compare my verified signature against the signature used to open the account. They will not match. 
For additional context, I suffered a XXXX in XXXX, which required extended rehabilitation through XXXX. During this time, XXXX XXXX resided in my home as a personal aide. Without my knowledge or authorization, he opened accounts in my name. I am currently pursuing criminal charges related to this identity theft. 
I hereby demand immediate deletion of this account from all consumer reporting agencies to which you have furnished information. If this account is not removed, I will pursue all available legal remedies, including filing suit in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Precinct XXXX, Place XXXX ( XXXX XXXX ) for damages in the amount of {$630.00} plus court costs, as allowed by law. 
This letter serves as formal notice. Failure to comply will be documented as evidence of continued reporting of inaccurate information. 
Please provide written confirmation of deletion. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
XX/XX/year> denied to open my insight federal credit union using unverified information provided by chexsystems stating I have bad debt with, XXXX XXXX XXXX how does violating my privacy become legal.

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 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
My name is XXXX. I am submitting this complaint regarding PayPals repeated and sudden restriction of my business account, which has caused immediate financial and housing hardship for me and my minor daughter. 

I recently opened a PayPal XXXX account to receive legitimate client payments. On XX/XX/year>, I canceled an invoice and attempted to reissue it per client request. Immediately after, PayPal restricted my account without warning, preventing me from accessing my current funds and from receiving new payments from clients. 

I was told the review could take XXXX business days. I can not wait this long, as my daughter and I are currently homeless and living day-to-day, and we rely on this account to pay for safe lodging tonight. I have submitted all requested documentation and complied fully with XXXX procedures. 

This is the third time PayPal has restricted my accounts without cause. These repeated restrictions have disproportionately harmed me and my minor child, causing unnecessary financial and housing insecurity. 

I request : 1. Immediate access to my PayPal account funds.

2. Recognition of the urgent hardship this restriction has caused.

3. Steps from PayPal to prevent this repeated disruption in the future. 

This restriction is creating an emergency situation, and I am requesting that PayPal resolve this immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Tesla, Inc.
State: TX

Complaint narrative:
I purchased auto insurance through XXXX XXXX using the XXXX app. During an active policy period, my monthly premium increased significantly despite a clean driving record with no accidents or traffic violations and no material change in coverage. My premium increased from approximately {$240.00} in XX/XX/XXXX to approximately {$340.00} by XX/XX/XXXX, an increase of about XXXX XXXX within XXXX months. 

XXXX XXXX relies on continuous vehicle monitoring and automated alerts that appear to affect pricing. These alerts frequently trigger during normal and defensive driving, such as braking for vehicles turning ahead or swerving to avoid potholes and roadway hazards. These alerts can not be meaningfully disabled and appear to be treated as negative factors affecting premiums. 

XXXX XXXX does not clearly disclose how these automated alerts are scored, how they are weighted, or how they directly affect pricing. In addition, complete itemized billing history and clear explanations for premium changes are not readily accessible in the XXXX app, requiring me to rely on credit card transaction records to understand what I was charged and when increases occurred. 

I contacted the company seeking clarity on billing and pricing but was unable to obtain transparent explanations. As a consumer, I am unable to meaningfully understand, verify, or challenge how my data is used to calculate recurring insurance charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am filing a complaint regarding Wells Fargo Banks decision to close my checking account, which I believe is unfair and not based on wrongdoing. 
I opened my Wells Fargo account in early XXXX. Since opening the account, I filed several transaction disputes. Each dispute was filed for legitimate reasons, including not receiving items I paid for, receiving incorrect products, or sellers failing to respond or provide refunds. I followed XXXX XXXX own instructions to contact the bank when merchants were unresponsive. 
Every claim I filed was truthful and made in good faith. Wells Fargo required a waiting period of approximately XXXX days to investigate each claim, and the claims were found to be valid. At no time was I informed that the claims were fraudulent, improper, or made incorrectly. 
Despite this, Wells Fargo informed me that they intend to close my account on XX/XX/XXXX. I was told this decision was based on the number of claims filed, even though all claims were legitimate and approved. I believe I am being penalized for properly using the dispute system Wells Fargo provides to protect consumers. 
I am concerned that this closure may negatively impact my banking history, despite there being no fraud, dishonesty, or misuse of the account on my part. I respectfully request that Wells Fargo provide a clear written explanation for the closure and reconsider the decision, given that I acted according to bank policy and consumer protection guidelines. 
I am requesting assistance from the CFPB to review this matter and help ensure I am not unfairly penalized for exercising my consumer rights.

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 2026-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: W&A Intermediate Co., LLC
State: MO

Complaint narrative:
On XX/XX/XXXX My dermatologist waived the balance due of {$36.00}. On XX/XX/XXXX I was sent a debt collection letter from XXXX XXXX XXXX. It said I had until XX/XX/XXXX to dispute. 
On Friday, XX/XX/XXXX, at XXXX pm, I received a call from a business I had never heard of : WAKEFIELD AND ASSOCIATES, Phone # XXXX. I let it go to voice mail. Unfortunately, they did not leave a message. 
Then, XXXX minutes later, at XXXX pm, my daughter received a call from the same number and name. She answered the call and they started out by asking her Can you hear me? Then asked for me. She told them they had the wrong number. They then asked if she was related to me. She hung up on them. 
Then, XXXX minutes after that, at XXXX pm, my son got a call from this same number and name. He answered and it was the same thing. They said they are handling a business matter for me. He hung up on them. How Deceptive is this statement!!! I then called this XXXX company to see what kind of scam they were trying to pull and what right did they have calling my children. I spoke with XXXX and she would not talk to me unless I verified my name and number to her first. I refused, because I still did not know what kind of scam this was. I asked to speak to her supervisor. This time I spoke with XXXX. She again couldnt talk to me without me verifying my name on their recorded line. I told her there was no way I was going to say my name when I didn't even know what this was all about. And that they had no right harassing my family members and I have never had any business matters with XXXX and XXXX. Then she brought up the name XXXX XXXX XXXX and that XXXX had merged with them ( apparently in XXXX of XXXX. ) I would not talk with her anymore and said I just wanted their names so I could report them and their harassment, deceptive practice and unethical business to the CFPB. According to the XXXX letter, I have until XX/XX/XXXX to dispute. XXXX and XXXX. had no business calling me or harassing my kids.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I called on XX/XX/26 to report my debit card, along with my entire wallet and phone were stolen from the gym. They took the whole bag and got my card. They took my TD Debit card and withdrew/made debit charges for the ENTIRE account, they left me over drafted at XXXX. I called to dispute after i got my new phone and they told me they would investigate and provide me provisional credit. I never received the credit and i got a mail on XX/XX/26 that my claim was denied because they believed there was no aggression or depletion of my account. The reason makes absolutely no sense as they emptied the ENTIRE account, which was about almost {$2000.00}. I called to speak to someone to escalate my issue and get it to the right team and the rep said she can only re-file the claim and like the first time. I told them if that goes to an escalation team or how it can reach a supervisor to assure my claim gets properly looked at as it was a lot of money. She told me that it does not get escalated and all we can do is refile and hope they approve the claim. I thought that was absurd. My debit card was clearly stolen and the thief got a hold of my PIN and took about XXXX from my account, this matter needs to be escalated. My credit card company of XXXX XXXX had the same issue with a smaller amount but they gave me credit and approved me within 5 days, what gives?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I am submitting a formal complaint regarding the handling of the {$300.00} Capital One 360 checking bonus. 

I opened my account in XXXX and made XXXX {$500.00} deposits within the promotional time period. I called Capital One twice to confirm eligibility, and both representatives told me I qualified and would receive the bonus, once by XXXX, and again by early XXXX. 

I relied on this information. A manager even opened a claim for me confirming that I met the requirements. 

I have now received a message stating that I am not eligible due to the deposits not being considered direct deposits. This contradicts the information I received multiple times from Capital One representatives. 

This situation is the result of repeated incorrect guidance provided by Capital One. I am requesting that the {$300.00} bonus be honored or that an equivalent goodwill credit be issued, given the documented misinformation. 

Please escalate this for a full review by your customer service resolution team. 

Thank you.

Company response to consumer: Closed with monetary relief