vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. 

This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. 

Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

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 2026-02-09 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: TN

Complaint narrative:
I submitted a complaint regarding an alleged account serviced by Plaza Services , LLC that I dispute as not belonging to me. I did not open, authorize, or benefit from this account. 
On XX/XX/year>, Plaza Services provided a response through the CFPB. I reviewed their response and submitted formal feedback indicating that the company did not address all of my issues and did not do what they stated they would do. In my feedback, I reiterated that the account is not mine and requested complete validation, including proof of authorization and identity verification. 
Despite my dispute, Plaza Services has not produced documentation demonstrating that this debt is legally attributable to me, because it is not my account. No signed agreement, proof of identity verification, or other substantiated evidence tying this account to me has been provided. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), a furnisher must conduct a reasonable investigation and either verify the accuracy of the information with evidence or correct/delete the account if it can not be substantiated. Plaza Services has not met this obligation. 
Despite my feedback clearly stating that the matter remained unresolved, the CFPB closed the complaint. I am submitting these comments to document that the issue remains unresolved, the account continues to be disputed, and the company has failed to comply with its obligations under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC Bank closed my checking account and removed {$42000.00} via a transaction labeled XXXX Claims XXXX on XX/XX/year>. 

The bank refused to honor a cashiers check, transferred the funds internally, and my account now shows a XXXX balance, but I never received the money. 

PNC has not provided a refund check, reissued the cashiers check, or given written notice explaining the disposition of the funds. 

I am requesting immediate release or refund of the {$42000.00} or a written explanation identifying the department holding the funds and the legal basis for withholding them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: NJ

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 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NH

Complaint narrative:
XX/XX/year> - Trouble Accessing Funds/ Identity Verification My Coinbase account displays a corrupted legal name that I did not enter ( XXXX XXXX XXXX XXXX  ). Automated identity verification repeatedly rejects valid government ID. Coinbase chat and phone support have been unable to resolve this and attempted screen sharing. I am requesting manual identity correction by compliance so I can withdraw my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 2026-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I am filing a complaint against Westlake Financial Services for providing conflicting, misleading and mishandled instructions regarding the release of my vehicle from reposession. 
On XX/XX/XXXX, I made a {$200.00} payment to my account as I knew that I was behind on XXXX payments. XXXX acknowledged receiving this payment but never applied it to my account before repossessing my car on XXXX  at XXXX XXXX. Later that day, I spoke with an agent who told me that I would need to pay the amount of {$970.00} in order for me to get my car back. Being that I am going through financial hardship, he was able to lower this payment down to {$470.00} to which I paid immediately over the phone and was told that it would be processed and I'd be able to pick it up on XXXX. Subsequently, today on XX/XX/XXXX, I was told that I will have to wait XXXX business days for my request to be sent to the tow yard. I then spoke to a supervisor who gave conflicting information to what the agents have been telling me. The supervisor stated that my entire account must be fully current before release. These shifting requirements have forced me to make repeated calls to XXXX to clarify what's actually needed, causing unnecessary stress, confusion, and delay. Had I not personally followed up, I would still be waiting with no clear solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Premier Auto Sales, Inc.
State: IN

Complaint narrative:
Got a car loan from a but here pay here company called premier auto upon getting the car first week had fuel problems and fuel fumes in car while driving got it fixed and issue still happen explain to complany to cancel loan I explained I was going thru a scheduling conflict to bring car back cat was in garage waiting for them to come pick up after they said they'll cancel loan they never picked up vehicle until I went to work with vehicle before dropping off when I got work doing the same day they came a repo the car from my job without warning they also reply to my review with my personal name and information to the public on XXXX reviews very un professional and XXXX violation ease help they still have me as a repo and delinquent on my credit if you look at it you said only had car for 2 weeks before first payment was even do I had them cancel loan before second down payment was due the car was a bad car no muffler and was custom straight piped which violates emissions in other states I visit like Illinois

Company response to consumer: Untimely response
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JDJ Investments, INC.
State: LA

Complaint narrative:
They reported the wrong original amount they reported XXXX when Its XXXX I paid that amount in full but they still reported the wrong original balance as XXXX and the bureaus wont do anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I was contacted by this debt collector 2 days ago about a debt they say I owe. I told them I do not owe the debt and based on the age of the debt they should no longer contact me regarding this debt. I was contacted today about this debt after requesting no more communication in which the lady told me they do not have to cease communication and told me what I should have done 10 years ago. She was talking over me, and I hung up. I called back to get the name of the company to file a complaint and the gentleman who answered the phone raised his voice and told me they are not required to cease communication. He gave me what I believe to be false information as well as telling me my bankruptcy was not discharged from XXXX XXXX XXXX, which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I am filing this complaint regarding a charge-off account being reported on my credit report that is inaccurate and/or has not been properly verified. 
I previously disputed this account with the credit bureaus, yet it continues to be reported without adequate verification or correction. Under the Fair Credit Reporting Act ( FCRA ), all information furnished to the credit bureaus must be accurate and verifiable. I have not received sufficient proof that this account is valid, that I am the responsible party, or that the balance and reporting details are accurate. 
If this account can not be properly verified, it must be removed from my credit reports immediately. 
I am requesting the following : A full investigation into this account. 
Proper validation and documentation proving the debt is accurate and belongs to me. 
Immediate correction or deletion of the account from all credit reporting agencies if it can not be verified.


Failure to comply with the FCRA and other applicable consumer protection laws may result in further complaints or legal action. 
I expect a timely response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
NATIONAL CREDIT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT SYSTEM 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 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I don't live in Utah, never been there. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, I did live with my granddaughter in XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, but I moved back to my XXXX XXXX address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. But I don't know who made a credit card application for me in Utah. And it's affecting my credit score. You can contact me at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: Alorica Inc.
State: CA

Complaint narrative:
Systems & Services Technologies Inc. took over a loanI had with XXXX XXXX. The monthly payment is {$260.00}. On XX/XX/year> they withdrew the payment amount twice. I immediately contacted them and forwarded a copy of my bank statement releflecting the duplicate withdrawal. I did not receive the repayment until XX/XX/XXXX. I asked if I could wire the monthly payment as there have been problems in the past. There response was a letter dated XX/XX/XXXX advising me that the recurring ACH payment has been cancelled. 
What recourse is availlable to me? And am I entitled to a " reverse '' payment penalty for the 10 days I did not have access to my funds? 
My account number is XXXX and my name is XXXX XXXX. 
Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of a charged-off account on my credit report. I believe the account listed below is being reported incorrectly and does not reflect the accurate status of the account under the Fair Credit Reporting Act ( FCRA ). I request that you investigate the following account and make the necessary corrections to my credit report. 

CHARGED OFF Account Name : Bankruptcy Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00}

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 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I was alerted via text pertaining to transaction fraud, I selected N for no. Navy federal phone number calls me, tells me they will ensure nothing else will happen. Calls me back to do reverse credit on my funds because my account might have been compromised. As I wait for reverse credit to return, the call with the impersonator ended. When I called back, using the same number, the representative told me there was no notes in the system pertaining to my incident. I filed fraud claim with that person who informed me that people have been hacking their systems. As of XX/XX/year>, NFCU deemed the claim as invalid and labeled me a participant in the crime that happened to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/year>, I received multiple emails claiming that I had enrolled in and been approved for a new credit card account from Citi Bank. I had not submitted an application or requested to open any new credit account. These emails also stated that I was enrolled in a travel rewards membership program, for XXXX XXXX which I did not initiate. 

On the same day, I accessed the travel rewards account referenced in the email for XXXX XXXX and discovered that a phone number that does not belong to me had been added to the profile. I removed the unauthorized number immediately. 

On XX/XX/year>, I received a second suspicious email instructing me to call a phone number to secure my account. When I called the number provided, the automated system did not match the company named in the email. Instead, it redirected me to a message related to a completely different credit card provider for XXXX. This confirmed that the communication was fraudulent and part of an ongoing phishing or identitytheft attempt. 

On XX/XX/year>, I contacted customer support and the fraud department of the financial institution involved. I have not received a resolution, confirmation, or any followup regarding the fraudulent application, account activity, or the phishing communications. 

My actions included : * Reporting the initial fraudulent emails * Removing unauthorized information from the associated rewards account * Attempting to contact the companys customer support and fraud department * Calling the phone number provided in the second suspicious email to verify its legitimacy ( it was fraudulent ) No corrective action has been taken by the company so far, and the fraudulent activity appears to be ongoing.

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 2026-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Aqua Finance, Inc.
State: CA

Complaint narrative:
I sent a written Final Notice of Liability & Demand for Settlement on XX/XX/XXXX with a 15-day response deadline and explicit instruction that all communications be in writing. The deadline passed on XX/XX/XXXX with no written response. Instead, Aqua Finance continued calling me, including on XX/XX/XXXX and XX/XX/XXXX. This constitutes improper collection activity while the account is in dispute and failure to honor written-only communication. I am requesting regulatory intervention and written resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Burke Moore Law Group, LLP
State: GA

Complaint narrative:
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requested full validation of the alleged debt on XXXX XXXX and XXXX XXXX to please provide the following documentation to verify that this debt is accurate, enforceable, and legally owed by me : 1. Proof of Ownership A complete copy of the bill of sale or assignment agreement from XXXX XXXX XXXX XXXX showing that XXXX XXXX XXXX XXXX XXXX purchased and now owns the specific debt referenced above. 
2. Full Accounting A detailed statement showing how the amount of {$8800.00} was calculated, including the breakdown of principal, interest, and fees from inception to present.

3. Original Contract or Agreement A copy of the original signed credit agreement or account application bearing my signature.

4. Payment History All account statements or records from XXXX showing all charges, payments, and interest applied. 
5. Verification of Authority Documentation showing that you are licensed to collect debts in the State of Georgia.

6. Verification of Reporting Confirmation of whether this account has been, or will be, reported to any credit reporting agencies, and if so, the date of such reporting. 
They did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Im not sure when all of this happened but there was a total amount of {$310.00} chase chose to charge back my card. These purchases were unauthorized. My card was stolen in XXXX while on vacation, they canceled my card and sent me a new one. These purchases were unauthorized, and my card was pickpocket and still in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
BULL CITY is falsely reporting on my credit. I have never had any accounts with them. Per my research BULL CITY 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