vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Consumer Finance, My name is XXXX, I visited XXXX XXXX XXXX XXXX XXXX location XXXX XXXX XXXX, XXXX CA XXXX. ( XXXX ) XXXX. 

I visited the bank to make a withdraw with a bank teller.

After my visit I noticed that my account was over drafted the exact amount I had just withdrawn.

I revisited the same branch location and interacted with the exact person I had just interacted with during my transaction.

The bank teller I spoke with was a XXXX XXXX wearing
XXXX XXXX XXXX XXXX XXXX XXXX.

She informed me that she would be unable to rectify the problem and gave me a phone number to call.

The teller also informed me that I could not bank with XXXX XXXX XXXX XXXX or any banking institutions until I paid the overdraft amount in full plus fees, that I was on a " Blacklist ''.

My account should not have been able to go negative due to Overdraft Protection.

I would like to speak with someone who could assist.

Thank you for your time. 

Best Regards, 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 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on XX/XX/XXXX, i opened a claim to bank of america about a atm transaction i never made and it led to more transactions. i received the money credited for and now it being taken back because it wasnt approved. i dont think this is fair because like i said i never made those transactions

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 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: HI

Complaint narrative:
The company Im writing about is for Cash App. The complaint is due to money management and access to my accounts. My complaint is due to the fact that Cash App doesnt have more security features. They need to have more options for security features and verifying the identity of the individual attempting to add remove or modify any personal information within the Cash App profile for example an email was added to my Cash app to take out money without verifying its identity or revealing the entire email address after being attached to my account if it is so my email address that I attach it needs to be revealed to me hiding the privacy of an email being attached to my own account is preposterous. My issue is the fact that theres an email that I got attached to my Cash App account and I want to know the email no privacy is needed for my own accounts. Cash App needs to disclose all information as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: MI

Complaint narrative:
I applied for an apartment, signed a lease, and paid an application fee, but I never received keys, never moved in, and never took possession of the unit. The tenancy never commenced. Despite this, the property and the collection agency are attempting to collect rent as a debt. Since no tenancy began, no rent was owed and the alleged debt is invalid.

PRO COLLECT INC. is reporting a {$7100.00} collection related to an apartment lease where no tenancy ever commenced. I never received keys, never moved in, and never took possession of the unit. The account lacks proof of possession, a rent ledger, mitigation of damages, or any move-in documentation.

Despite this, the collector continues to report the debt as valid and open. Additionally, PRO COLLECT INC. is inaccurately listed as the original creditor, which is false. I have disputed this account with the credit bureaus, yet it continues to be reported without proper verification. Continued reporting of this unverified and invalid debt violates the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

I am requesting immediate deletion of this account from all credit reporting agencies.

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 2026-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverifiable information this company is reporting to the credit bureaus under the account referenced above. 

I previously disputed this account directly with the credit reporting agencies. Despite my dispute, the company continues to report information that appears to be inaccurate, incomplete, and not properly verified. 

To date, the company has failed to provide documentation sufficient to validate the accuracy of this account, including a complete payment history, the original contract or agreement bearing my signature, and documentation establishing the companys legal authority to report this account. 

Reporting unverifiable or incomplete information violates the Fair Credit Reporting Acts requirement that furnishers ensure maximum possible accuracy. Without proper validation, the continued reporting of this account is misleading and harmful. 

I am requesting that this matter be fully investigated and that the account be corrected or removed from my credit reports if it can not be verified as accurate and complete.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
I am filing a complaint regarding the improper handling of an unauthorized Buy Now Pay Later transaction. 

Affirm approved financing for an XXXX purchase that I did not authorize, place, or receive. XXXX has confirmed that an order exists but is not associated with my XXXX account and can not be disclosed to me because I am not the purchaser of record. This indicates that an unknown party used my financing credentials without my consent. 

Despite this, Affirm closed my dispute as valid without providing documentation identifying the item ( s ), proof of borrower authorization, or proof of shipment or delivery. Affirm continues to hold me financially responsible for a transaction made by another party.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of a charged-off account currently appearing on my credit report. 
The account in question is reported as charged off and written off. After reviewing my credit file, I believe this account is being reported inaccurately and/or incompletely, and I am requesting full verification pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 
Specifically, I am disputing the following : The accuracy of the account balance The completeness of the account history The reporting of the charge-off status The accuracy of the date of first delinquency Please provide competent evidence that this account is being reported correctly, including but not limited to : A copy of the original signed contract or agreement A complete payment history Documentation showing the correct date of first delinquency Proof that you were provided accurate information by the furnisher If you are unable to verify this information within the time allowed by law, I request that this account be deleted from my credit file. 
Please investigate this matter promptly and notify me in writing of the results of your investigation. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done XXXX XXXX  by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
I reviewed my credit report and seen some collections from accounts I didnt open

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
The companys response is inaccurate, incomplete, and fails to comply with its obligations under the Fair Credit Reporting Act. 

The account was not opened in XX/XX/year> as reported. XXXX XXXX XXXX records show the device associated with this alleged account was purchased in XX/XX/year>. Additionally, XXXX  and warranty coverage began prior to my purchase date, which proves the device had been previously activated and was not new at the time of sale. 

These facts directly contradict the reported account origination date and raise material questions regarding the accuracy of the debt, the validity of the account, and the Date of First Delinquency being furnished to consumer reporting agencies. 

Despite being placed on notice of these discrepancies, XXXX Receivables failed to conduct a reasonable investigation. There is no evidence the company verified the XXXX, activation history, or origination details with the original creditor, as required under 15 U.S.C. 1681s-2 ( b ). 

By continuing to report this tradeline without resolving these clear inconsistencies, the company is furnishing information that is inaccurate or can not be verified, in violation of the FCRA. 

I am requesting that this inaccurate tradeline be corrected immediately or deleted in full. If the company is unable to substantiate the accuracy of the account with competent evidence from the original creditor, deletion is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I am a Texas resident being harassed for a debt by Westlake Financial ( Account # XXXX ) for services that were never fulfilled by the merchant, Byte  ( XXXX XXXX ). Byte permanently ceased all at-home operations on XX/XX/year>, which constitutes a material breach of contract and a total failure of consideration.

Under the FTC Holder Rule ( 16 CFR Part 433 ), Westlake is subject to all claims and defenses I have against the seller. I have formally disputed this debt and revoked consent for telephonic contact, yet Westlake continues to place automated collection calls to me at XXXX XXXX and XXXX XXXX daily. This continued collection for a void debt is unconscionable under the Texas DTPA and violates the Texas Debt Collection Act. I demand a full refund of all payments made, plus statutory interest and damages, totaling {$6000.00}. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am reaching out to whoever the XXXX has Ruined my credit! I cant even purchase a hamburger for XXXX sakes! I am completely disgusted about the collections on my credit report. I have reached out to the F.T.C., the O.C.C., the Attorney General as well. I have been caught up in a data breach and it has been XXXX ever since. XXXX asking for these collections to be removed! I do not make them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX overnight santander consumer usa repossessed a XXXX XXXX XXXX that they financed. Prior to the repossession I did not received a letter stating that they would be repossessing the vehicle. However, on XX/XX/XXXX at XXXX pm Santander Consumer Usa emailed a letter stating that the vehicle has been assigned for repossession and may be picked up soon. Which was after the repossession took place. 

Today is XX/XX/XXXX and I have not gotten an further communications from Santander Consumer usa. They still have an open loan on my credit file although they've repossessed it. On XX/XX/XXXX The customer service representative at Santander Consumer Usa said that they would send a letter in XXXX  days regarding the sale of the vehicle at an auction. 
He also gave a location of the vehicle to retrieve belongings but after calling the location I found out that the car had been moved to a different location and was no longer there. 

It has now been almost XXXX month since they repossessed the vehicle. I never received a Right to Cure notice. And still have not received a letter for sale as the rep stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I sent off a certified copy of a cease and desist letter to Midland credit management yet they still tried to contact and have me pay for something thats been charged off on my account and my credit report yet they kept calling me for days as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am reporting an unauthorized debit card transaction of {$130.00} that occurred on XX/XX/XXXX, at a XXXX XXXX in Oregon ( XXXX ). 

I live and work in California ( CA ). On the day of the transaction, my XXXX XXXX timeline ( attached ) proves that I was at my workplace in XXXX, CA from XXXXXXXX XXXX XXXX XXXX XXXX  and remained in XXXX, CA for the rest of the evening. It is physically impossible for me to have been in Oregon to make this purchase. 

I have the physical card in my possession, which indicates this was a " cloned card '' or " skimming '' case. Citibank initially issued a provisional credit but reversed it on XX/XX/XXXX, stating the investigation was complete. Despite my clear evidence of being in a different state, the bank has failed to protect me. I am requesting a full refund and a proper re-investigation of this fraud.

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 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have multiple Capital One credit cards successfully linked to my online profile. 
My Capital One Savor card is active and usable but will not attach to my online banking profile despite multiple support calls. 
Capital One has acknowledged the account exists but refuses or is unable to manually attach it. 
I am requesting a backend correction so the account is properly linked to my existing profile.I have tried and they will not fix- I need to pay the bill by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Account XXXX # XXXX I'm unaware of this 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 # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FirstPoint Collection Resources
State: LA

Complaint narrative:
I am filing this complaint regarding FirstPoint Collection Resources. They are reporting and attempting to collect a debt that is the result of identity theft. 

The account is listed as originating from XXXX XXXX XXXX XXXX in the amount of {$850.00}. I did not open, authorize, or benefit from this account. I have never had an account with XXXX XXXX XXXX XXXX. 

I have filed an Identity Theft Report and am providing supporting documentation. Under the Fair Credit Reporting Act Section 605B, this fraudulent account must be blocked and removed from my credit reports. 

FirstPoint Collection Resources is attempting to collect a debt I do not owe and is reporting inaccurate information. I am requesting immediate deletion of this account from all credit bureaus and written confirmation that collection activity has ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OH

Complaint narrative:
Jefferson Capital Systems , LLC Attn : Compliance Department Re : Account Number : XXXX To Whom It May Concern, I am writing to formally demand that Jefferson Capital Systems , LLC immediately cease and desist all communication with me regarding the above-referenced account.

Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), you are hereby notified to stop all telephone calls, letters, emails, and any other forms of contact with me. You may only contact me to confirm that you are complying with this request or to notify me of specific legal action, if any.

Be advised that any further contact after receipt of this notice will be documented and may be considered a violation of federal and applicable state law. I am prepared to pursue all legal remedies available to me. 

This letter is not an acknowledgment of any debt, nor is it a promise to pay. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I am filing this complaint regarding an unexpected and unexplained interest charge assessed by Wells Fargo, and Wells Fargos failure to provide a professional, transparent, and adequate resolution, despite multiple escalation attempts. 

I have consistently paid my credit card balances on time and in full across multiple banks and maintain a very high credit score. I was therefore shocked to see an unexpected interest charge generated in XX/XX/XXXX, which appeared on my XX/XX/XXXX statement, even though I made my payment by the due date ( the XXXX of each month ). 

Immediately after discovering the charge, I called the phone number on the back of my card to seek clarification and request a reversal : 1. First contact : The initial customer service agent said she understood I explained I've paid, but stated she did not have authorization to reverse the full interest. She transferred me to secondary support and advised that a supervisor would follow up within two business days. No follow-up occurred. 
2. Second contact ( escalation ) : I had to call again and was connected to an escalation representative who was impatient, dismissive, and unprofessional. She stated she could not reverse the interest, interrupted me, told me to stop explaining, and said she did not want to waste time on the call. Her tone was as if I wish to this courtesy refund, I should wait for additional business days for follow-up calls, without providing any concrete resolution or explanation. 
3. Third contact ( complaint management office ) : I was later contacted by another agent who stated that, despite working in the complaint management office, he also could not reverse the interest charge. He advised me to contact the Wells Fargo banking account department and said I would receive written documentation explaining how the interest was calculated.

4. Written response received : When I received the mailed response, it failed to include : Any transaction dates Any statement balances Any payment posting dates Any numerical breakdown or formula explaining how the interest was calculated The letter provided no verifiable evidence supporting Wells Fargos conclusion and did not substantively explain how the interest was generated. 

Despite Wells Fargo claiming that a complete investigation had been conducted, the response was deemed insufficient, inconclusive, and lacked supporting documentation. I was repeatedly transferred between departments without accountability, effectively treated as a soccer ball being passed back and forth, rather than being provided a clear, professional, and competent resolution.

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