vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 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: IDAHO CENTRAL CREDIT UNION
State: OR

Complaint narrative:
I am filing a complaint regarding improper withdrawals totaling {$3600.00} made by XXXX for rent payments tied to an apartment lease that I was never approved for and never occupied. I applied to rent at XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, AZ XXXX. My application was not approved. I never signed a lease, never became a leaseholder, and never took possession of the unit. Despite this, XXXX withdrew {$3600.00} from my debit card for rent payments in XX/XX/XXXX and XX/XX/XXXX. XXXX states that because I linked the property to my account and had autopay enabled, their system processed payment once the property confirmed rent was due. However, I was not an approved tenant and had no valid lease obligation. There was no legal basis for rent to be owed under my name. The apartment property has confirmed I was not a leaseholder and has refused to issue a refund to me because I am not a tenant. XXXX has refused to issue a refund because they claim the property must refund them first. As a result, both parties acknowledge I am not a tenant, yet neither will return the {$3600.00} withdrawn from my account. XXXX authorized and processed the withdrawal of funds for a non-existent rental obligation. I did not receive housing services, did not occupy the unit, and had no valid debt for the months charged. I am requesting a full refund of {$3600.00} and regulatory review of XXXX practice of processing automated rent payments where no valid lease obligation exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: LA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA 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 2026-03-02 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: One Technologies, LP
State: OK

Complaint narrative:
Singed up for a trial for {$1.00} for a week for credit motioning and review service with scoresense.com and they wont cancel or respond to my emails they just keep trying to charge my card even after I canceled the card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: NV

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
About a month ago, my grandfather sent me {$2000.00} though via XXXX. As well as he sent to other family members some money here and there at a significantly lower amount. A little short after doing that he accidentally forgot that he sent that to me so he decided to call his bank and issue a fraudulent hold on it. XXXX ended up just freezing my account and saying I owe XXXX {$2000.00} and since then it has taken every single XXXX anyone whos ever sent me which I need for bills rent etc. that Im now behind on which is affecting my credit. Soon as I found that I got a hold of my grandfather he immediately apologized and has been working around the clock for a month now every single day to figure out what happened. He can not get a hold of XXXX whatsoever and they do not even try to help. There small chat services do not do anything. He got a hold of his bank and his bank reversed the payment so everything was gon na go through just fine. However, he figured out that his bank did reverse that fraudulent payment so everything will be smooth and clear. But XXXX has his money and now its charging me debt. They essentially stole his money and put me in debt. We both have been reaching out to XXXX every single day for this past month trying to call and doing chat services with Little to zero no avail. He has been in contact with me 24/7 about this as I have been to him as well. There has been absolutely and I mean absolutely ZERO!!!!!!!! updates on this and emails and any sort of conversation conversations even as i have reached out about this on whether or not where is the money? Why is it frozen? Why isnt this handled whos talking to who whats going on? They simply have his money and theyre charging me debt for it. I cant seem to get a hold of anybody. Ive spoke with my bank as he has spoke with his and my bank never was even credited for that money so therefore XXXX does have it and theyre refusing to give it back to me after he reversed the fraudulent thing and or they wont even give it back to him. Regardless there is absolutely zero communication about this and its been over a month with {$2000.00} floating around. And I need that for my bills Im already behind and it is incredibly insanely frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: DE

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Company / Collector Involved : Credence Resource Management Collection agency reporting alleged debt on behalf of T-Mobile Type of Product : Debt collection / Credit reporting -- - Complaint Description I am filing a formal complaint regarding an alleged telecommunications debt that is being improperly reported to consumer credit reporting agencies despite being unverifiable and based on inaccurate consumer information. I am a former T-Mobile 5G Home Internet customer. My account was fully closed nearly XXXX years ago, all equipment was returned, and I had no remaining balance. In XX/XX/year>, a collection agency alleges that I owed {$55.00}, which they claim increased to {$99.00} due to late fees and collection fees. I was never notified of any balance, delinquency, or intent to send the account to collections. I formally disputed the validity of this debt with the collection agency. During that dispute, the collection agency stated that they are unable to provide proof of original billing or notice from the original creditor, and that they can only provide proof of their own collection notice. Separately, T-Mobile has stated that once an account is sent to collections, they have no access to the account records and can not provide billing statements or notice documentation. Additionally, I discovered that the collection agency had an address on file for me that I have not lived at for approximately XXXX years. As a result, any alleged notices were not reasonably calculated to reach me, and I was deprived of a meaningful opportunity to dispute the alleged debt prior to credit reporting. As a result : - The collection agency can not validate the debt using original creditor documentation - The original creditor claims no access to records - The collection agency used outdated and inaccurate address information - The debt is therefore unverifiable, yet continues to be reported This conduct violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). -- - Requested Resolution - Immediate deletion of the collection account from all consumer credit reporting agencies- Written confirmation that the alleged debt is invalid and closed - Cessation of all collection activity -- - Preferred Contact Method Written communication only -- - XXXX XXXX XXXX Old XXXX XXXX XX/XX/XXXX FL XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: PROVIDENT FUNDING ASSOCIATES
State: CA

Complaint narrative:
In preparing to pay off my mortgage in XX/XX/year>, Provident Funding issued a payoff statement that included {$600.00} in reconveyancerelated recording fees, including a {$300.00} charge for an Appointment of Successor Trustee. This extra fee is required only because my loan was transferred to Provident and they chose not to work with the original trustee named in my Deed of Trust. I did not request or cause a trustee substitution. Between XXXX and XX/XX/year>, I contacted Provident multiple times to ask why I was being charged for a servicerinitiated trustee change. Provident stated that they use a thirdparty vendor as their preferred trustee and claimedwithout providing documentationthat sending the reconveyance to the original trustee would be even more costly. I requested all documents they relied on to make this determination, including any policies, cost comparisons, or communications supporting their claims. Provident responded that the only document they could provide was the Deed of Trust and refused to adjust or credit the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am submitting this complaint regarding a fraud claim that was denied by Wells Fargo. I do not agree with their decision and I am requesting a full and thorough review of my case. On XX/XX/year> I was the victim of a scam and did not knowingly authorize these transactions. I was manipulated, threatened, and misled by a third party and believed I was engaging in a legitimate situation at the time. I felt pressured and feared for my safety and the safety of my child. As soon as I realized the activity was fraudulent, I reported it to Wells Fargo immediately and filed a claim. Despite this, my claim was denied without what I feel was a fair or complete investigation. I have documentation and proof showing that I was scammed, and I have also filed a police report regarding the threats and fraudulent activity. However, Wells Fargo never requested any of this information from me during their investigation. They also did not provide me with a clear explanation or evidence supporting their decision to deny my claim. I am requesting that Wells Fargo provide written documentation of how their investigation was conducted and the basis for determining that these transactions were authorized. The amount I lost is approximately {$21000.00}. This loss has caused significant financial hardship and emotional distress. I am a single parent with a child to care for, and I currently have nothing left due to this scam. I trusted my bank to protect me as a consumer and to conduct a proper investigation in cases of fraud. I am requesting that this claim be reopened, that my documentation and evidence be reviewed, and that the matter be escalated to a higher-level fraud or executive escalation team. I also request a detailed written explanation of the investigation and findings. Thank you for your time and assistance in ensuring that this matter is handled fairly and in accordance with consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
Here is a clear, structured complaint you can submit to the CFPB : I am submitting this complaint regarding Navy Federal Credit Union and a charged off personal loan account associated with my name. I previously received a written settlement offer in XX/XX/year> in the amount of XXXX. I am attempting to resolve this account ; however, I have been unable to obtain current account information or payoff instructions from Navy Federal. I have attempted to contact Navy Federal by phone but have not been able to reach a representative who can provide the current balance, confirm ownership of the debt, or confirm whether the prior settlement offer remains valid. The balance is not accessible through my online account. I have also sent written correspondence requesting : The current total balance A breakdown of principal, interest, and fees The date of last payment Confirmation that Navy Federal currently owns the debt Written confirmation of whether the XX/XX/year> settlement offer remains valid As of the date of this complaint, I have not received a response. Navy Federal continues to report this account to the credit bureaus, yet they are not providing clear information necessary for me to resolve the debt. I am attempting in good faith to pay or settle this account but can not do so without accurate payoff information and written confirmation of terms. I am requesting that Navy Federal : Provide a written statement of the current balance and full payoff amount Confirm whether the prior settlement offer remains valid or provide current settlement terms Provide clear instructions for remitting payment Ensure accurate reporting to all credit bureaus I am seeking a timely written response so that I may resolve this matter. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
The vehicle was wrecked. Santander got the car back. I had gap insurance, but they didnt use it. They wanted me to continue to pay for the vehicle even though the got it back and wouldnt let me file the gap claim. Now they want to do a civil case for the vehicle that they have possession of.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Subject : Request for Clarification Payment Deferral and Improper Late Fee Message : Dear Bank of America XXXX XXXX XXXX, My mortgage loan ( Property : XXXX XXXX XXXX XXXX, XXXX, GA XXXX ) is backed by Fannie Mae. I was evaluated and approved for a Payment Deferral due to a documented financial hardship. According to the program terms : Missed payments were to be deferred to the end of the loan term Payments were not to be required as a lump sum upfront However, the Loan Solution Center portal currently reflects : A demand for full payment of the deferred balance An improperly applied late fee When I spoke with a Bank of America representative, they acknowledged that : The computer marked something inaccurately, which opted me out of the program There have been communication errors on their side regarding my Payment Deferral I respectfully request : XXXX. Confirmation that my Payment Deferral was fully executed XXXX. Removal of the improperly applied late fee XXXX. The date the deferral was applied to my loan XXXX. An explanation for the current full payment demand XXXX. Any corrective actions necessary to reflect the proper terms of the Payment Deferral in my account I have not attached supporting documentation at this time, but I can provide it if needed. Please respond in writing so that I may maintain proper records. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX : XXXX Email : 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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: DE

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 XXXX XXXX XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation