vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: WA

Complaint narrative:
I recently had a late payment with Westlake Financial and they proceeded to call me roughly 30 times in 3 days. This is beyond harrasment and this company needs to be shutdown for improper and illegal customer service tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: 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 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I have contacted company to request information re : debt. I never received explanation or proof of debt owed. There was debt accrued by ex-spouse which may release me of financial responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for the Capital One Quicksilver credit card through a referral link shared by a family member. The referral link was confirmed as valid the referring family member successfully received their {$150.00} referral bonus. At the time of application, the offer page clearly stated the following terms : " Earn a one-time {$200.00} cash bonus once you spend {$500.00} on purchases within 3 months from account opening. This one-time bonus is available by clicking the " Apply Now '' button on this page, and may not be available if you navigate away from or close this page. Existing or previous cardmembers are not eligible for this product if they have received a new cardmember bonus for this product in the past 48 months. '' I met all stated eligibility requirements : - I have never previously held a Capital One Quicksilver card. - I have never received a new card member bonus for this product within the past 48 months. - I spent {$500.00} on qualifying purchases within the first three months of account opening. Despite meeting these conditions, Capital One refused to issue the {$200.00} cash back bonus. I contacted Capital One by phone and was escalated to a supervisor named XXXX. He confirmed I was not eligible for the bonus but was unable or unwilling to provide any specific reason for the denial. I find this outcome unacceptable. I made a financial decision applying for and actively using this credit card in direct reliance on the advertised bonus terms. I am requesting that Capital One honor the {$200.00} cash back bonus as advertised, or provide a clear written explanation citing the specific eligibility criterion I allegedly failed to meet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Carter-Young, Inc.
State: AL

Complaint narrative:
CARTER-YOUNG is falsely reporting on my credit. I have never had any accounts with them. Per my research CARTER-YOUNG 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: VA

Complaint narrative:
Validation of Debt Request - MIDLANDCRE - 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 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
This debt does not belong to me. I do not owe this debt. This company is trying to collect a debt I do not owe nor have I ever done business with this company.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Credit card was opened under my name back in XXXX. It was opened as a XXXX XXXX XXXX, although I never have had XXXX XXXX banking. The debt collection is for {$690.00} and Ive contacted transunion multiple times about the account. Ive also contacted the debt collector about fraud on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX I attempted to purchase a XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for {$9.00} on a website : " XXXX ''. I authorized a merchant " XXXX XXXX '' to debit my USAA bank account {$9.00} but never received a confirmation email for the purchase. After a few weeks, I realized I never received the product. On XX/XX/XXXX I checked my bank account and a different entity " XXXX XXXX XXXX XXXX XXXX '' debited my USAA account for the {$9.00} and the charge went through on XX/XX/XXXX. However, I then saw 13 additional transactions by " XXXX XXXX XXXX XXXXXXXX XXXX '' totaling {$5800.00} that also went through on XX/XX/XXXX. I neither initiated, nor authorized these additional charges. I received no products or services from the company. I called USAA to report the fraudulent charges. I explained that a merchant that I did not authorize ( " XXXX XXXX XXXX XXXX XXXX '' ) charged me multiple times for a product I authorized " XXXX XXXX '' to debit my account for. The USAA representative entered two separate disputes : One for the {$9.00} charge and one for the additional charges totaling {$5800.00}, but I only attempted one transaction with the company, so all of these charges were for the same product - the baby carrier. While the first dispute was resolved and USAA returned {$9.00} because we did not receive the item ordered - USAA denied the dispute for the {$5800.00}, which was all charged for the same purchase and for which we never received any good or service. USAA has provided insufficient evidence that the merchant legitimately charged our account and claims that these charges are all authorized. I have requested to speak to the investigators and have been denied that request multiple times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
They are threatening to put a lien on a vehicle I do not own and are trying to claim I fraud them when I did not. I have lost my job and have medical issues such as XXXX. Im living off of unemployment for now They are refusing to send me a copy of the debt owed and will not give me the information on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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 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 2026-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Credit Bureau Services of Iowa Inc.
State: IA

Complaint narrative:
I have tried to work with the XXXX XXXX. Even though they have this information incorrect. It was approved by my XXXX dental insurance I have the claim and they failed to submit this amount. So they had accepted the amount insurance would pay XXXX. XXXX instead they changed it to XXXX. Then turned it over to a place called credit Bureau services of Iowa. Inc. XXXX, Iowa XXXX phone is XXXX I have requested to dispute this several times. Failed to provide proof. Then past XXXX days I have called to dispute I was told I would have to wait to dispute due to the person is gone for a week. I told them I have tried to dispute or get documents with showing what the dates and service they have! I was told I would have to wait. I have been served a notice now to collect stating I'm not on XXXX. I have been on XXXX since XXXX yet they are trying to take money from me claiming I'm not on XXXX. They know this. I have tried to get the state to get insurance to look at claim. They approved this but failed to send check. The original college I had work done refuse to work with me about this amount incorrect. I gave up. Now they are trying to collect by legal means. They amount has no dates no service nothing. I have requested this when they first got this debt. Today I was told they would try to get proof of debt. I let them know I was filing a complaint. They would not let me dispute it again. I can email or how ever you want get this information to you. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
National Credit Adjusters XXXX XXXX XXXX XXXX XXXX, KS XXXX To Whom It May Concern : This letter serves as a formal notice that I am disputing the above-referenced account pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, and the Fair Credit Reporting Act, 15 U.S.C. 1681. I am requesting full validation of this alleged debt. Specifically, I am requesting : XXXX. A copy of the original signed contract or agreement bearing my signature. XXXX. Documentation showing you are the legal owner of this debt, including a complete chain of assignment from the original creditor to National Credit Adjusters XXXX. An itemized statement of the amount claimed, including principal, interest, fees, and charges. XXXX. The name and address of the original creditor. Under the FDCPA, you are required to cease collection activity until proper validation has been provided. Additionally, under the FCRA, you may not report or continue reporting inaccurate, incomplete, or unverified information to any credit reporting agency. If you are unable to provide the requested documentation, you must immediately cease collection efforts and notify all credit reporting agencies to which you have furnished this information to delete this account from my credit file within XXXX days. Failure to comply with federal law will leave me no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I also reserve the right to pursue any and all legal remedies available to me. I expect your written response within XXXX days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: DC

Complaint narrative:
I was enrolled in the XXXX income-driven repayment plan and placed into administrative forbearance related to federal XXXX litigation. Without written notice or consent, Nelnet transitioned my account into XXXX XXXX ( XXXX ) using the 15 % discretionary income formula. A payment of {$940.00} was generated with a due date of XX/XX/year>. I filed a Federal Student Aid complaint ( Case XXXX XXXXXXXX ) before the due date disputing the transition from XXXX to XXXX and requesting administrative forbearance while the issue is under review. Despite this, Nelnet did not provide written clarification of the plan change, did not provide a payment calculation breakdown, and did not apply administrative forbearance. Instead, the XX/XX/XXXX payment has now been marked past due and the account reflects a total amount due of {$1800.00} as of XX/XX/year>. I requested written confirmation of : My lawful repayment plan status ( XXXX vs. XXXX ) The legal basis for transitioning my plan The calculation used to determine the billed amount Confirmation that no adverse credit reporting would occur during the dispute Nelnet has not provided these items in writing and instead requested that I call by phone. This billing occurred while the matter was under federal review and without opportunity to recertify income. I am requesting immediate administrative forbearance, correction of any improper delinquency coding, and written clarification of my repayment plan status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
On XX/XX/year>, my paycheck of {$1800.00} was deposited into a SoFi bank account that does not belong to me ( fraudulent account ending in XXXX ). The account was added to my payroll without my authorization. I reported this as fraud to my employer immediately. My employer ( XXXX ) confirmed that they submitted a direct deposit reversal request to XXXX, but I have not received any confirmation or timeline from XXXX regarding the return of funds. I regained access to my payroll account, changed my password, enabled two-step authentication, and removed the unauthorized account. Despite these actions, the stolen funds have not been returned. I am requesting that XXXX investigate this unauthorized deposit, provide written confirmation of the reversal request, give a timeline for when funds will be returned, and comply with my rights under Regulation XXXX, including provisional credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I discovered an unauthorized withdrawal in the amount of {$680.00} from my checking account with Chase Bank. I did not authorize this transaction and did not withdraw these funds. When I contacted the bank, I was informed that someone went into a branch location and withdrew the money in person. I have not given permission to any individual to access my account or withdraw funds on my behalf. I have attempted to resolve this matter with the bank multiple times, but the issue remains unresolved and the funds have not been returned to my account. I filed a police report regarding this unauthorized withdrawal on XX/XX/year>2025, and can provide documentation if needed. During my most recent call to customer service, the representative was very rude and unprofessional. She stated that my case was closed. When I asked for her name, she provided the name XXXX, but refused to provide her badge or employee identification number and then hung up the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: OK

Complaint narrative:
I was just sitting in my home relaxing when I noticed I had gotten an email from cashapp about suspicious transactions and that I needed to verify my identity to unrestrict my account. I did the verify process and got my account unrestricted. Only to find out that someone in a different state had gotten access to my cashapp account and they had sent {$660.00} of my money to themselves. The hacker/scammer also took out a {$400.00} loan from cashapp in my name and also sent that to themselves. I never gave permission to anyone or anything to log into my account and or to send money anywhere or to anyone. I disputed all XXXX transactions with cashapp and all XXXX disputes were declined even though I have all the evidence from cashapp itself that i wasnt the one who made those transactions and even though I have a current police report and current bank fraud report. Cashapp has refused to reimburse me at this time

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: SC

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 non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: OPORTUN FINANCIAL CORPORATION
State: GU

Complaint narrative:
I am trying to close my account with Oportum. I provided my name, email and phone number to my current account. They refuse to close it until I send my primary banking account statements which I use to transfer funds into this account, my license and a utilities bill statement. I told them this information seems excessive for a closure request and they are refusing to close my account with out it. The company did not require any of this information to open the account so it seems unnecessary for them to have it just to cancel my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: CA

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXXXXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S CXXXXe XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation