vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I sent a letter through certified mail to Midland Credit Management requesting them to validate the debt within 30 days or remove the collection from my credit report at the credit bureaus on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX ( Debt Collector ) XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX | XXXX Date : XX/XX/XXXX TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : FORMAL DISPUTE ACCOUNT AUDIT REQUEST XXXX XXXX To the Dispute Departments of XXXX XXXX, and XXXX : I am writing this formal letter to dispute the accuracy of the account being reported under the name XXXX XXXX, Account Number XXXX. I am exercising my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and the Truth in Lending Act ( 15 U.S.C. 1601 ) to demand a full investigation and verification of all reported data for this account. Specifically, I am disputing the reported balance of {$430.00}. Under the Truth in Lending Act ( TILA ), any entity reporting a debt must be able to provide the original consumer credit disclosures and a complete accounting of how this balance was calculated, including the original principal, interest, and any added fees. I am challenging the legal right of this collector to report this specific amount without providing the underlying contract and the " Chain of Title '' from the original creditor. Furthermore, under FCRA Section 611 ( 15 U.S.C. 1681i ), you are required to conduct a " Reasonable Investigation '' into this item. I am disputing the " Date Opened '' listed as XX/XX/XXXX, and the status of " Collection Chargeoff ''. If this account number and the associated financial data can not be verified with 100 % accuracy via the original signed promissory note and a full accounting of all interest accruals, this item must be deleted from my credit report immediately. Please provide a written response within 30 days detailing your findings and the " Method of Verification '' used. I am prepared to escalate this matter via the XXXX portal if your agency fails to comply with federal accuracy standards. Sincerely, ( Signature ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
I acquired a car loan well the vehicle was totaled I had insurance and gap insurance it paid the vehicle off well somehow {$1900.00} was left over I paid the remaining balance off on XX/XX/year> but Im still getting notified of the balance still being due the payment was taking from my XXXX XXXX XXXXXXXX checking account so therefore I do t owe anything name of company was XXXX XXXX acct number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Actions taken by me : I reported these transactions to Discover as fraudulent as soon as I became aware of them. I followed all instructions with their fraud investigation. I did not authorize these charges and I did not benefit from them in any way. I also provided all information Discover requested. I reviewed my statements through the Discover app only for the purpose pf confirming the unauthorized charges and reporting them. Actions taken by Discover : Discover denied my fraud claim on the basis that I had logged into the Discover app, which is not evidence of authorization of transaction under the Fair Credit Billing Act. Discover did not provide any proof that I authorized the charges, such as signatures, device logs matching my device, IP addresses, merchant receipts, or other evidence showing my participation in or approval of the transactions. Instead, they placed the burden of proof on me, which is not compliant with FCBA requirements. They have continued to hold me responsible for charges I did not authorize and not reserved the fraudulent amounts, fees, or interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
On XXXX XX/XX/year>, someone or company tried to open a credit account fraudulently with Wells Fargo using my information and old address of mine. I am married to an Active Duty Service Member and had not lived in the address provided in over 15 years. I called and was told the account was not opened and was only an inquiry. I called the credit bureaus to have the fraudulent inquiry removed from my credit and then to also have a security freeze placed on all three major reporters ( XXXX XXXX XXXX ). I received confirmation that these credit freezes that were implied on XXXX XXXX by letter from all three with that posted date. On XXXX XXXX, I once again got a credit alert that another Credit Inquiry AND new Account was opened in my name through Wells Fargo once again, even with a security freeze placed with all credit bureaus. The fraud department informed me that these account was for XXXX XXXX XXXX XXXX and Cooling out of XXXX XXXX ( Ive never lived close to that state ). Account ending in XXXX. What Wells Fargo cant answer and what I dont understand is how they repeatedly let someone open accounts in my name with my information and even after WITH a security freeze on all credit bureaus. How can a bank get away with this?

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 2026-03-02 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
In regard to a debt collection matter collect, I notified the debt collector in writing to cease all communication with me under 15 U.S.C. 1692c ( c ). After receiving my written notice, the company continued to contact me. The communications included repeated phone calls/or letters after they were legally required to stop. This is a violation of the Fair Debt CFPB review the company 's actions and require them to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting an urgent complaint regarding Goldman Sachs Bank USA and its handling of an Apple Card dispute involving a {$6000.00} charge from XXXX XXXX dated XX/XX/XXXX. On XX/XX/XXXX, I was issued a new dispute number ( # XXXX ) and was informed that the {$6000.00} would be placed back on my card while the matter was under review. I was also told I would receive an email requesting additional documentation. As of XX/XX/XXXXXXXX : No provisional credit has been applied. No email requesting documentation has been sent. When I contacted Apple Card support for clarification, I was told the matter could not be discussed and that legal would contact me in XXXX business days. The call was then terminated ( the agent hung up on me ). I have not received any written explanation for the delay, refusal to discuss, or change in dispute handling. This charge concerns an ongoing service contract marketed as providing lifetime access. The merchant became non-responsive within four months of purchase, and documentation of that non-responsiveness has been provided. I am concerned that Goldman Sachs is failing to : Provide provisional credit as represented Provide a reasonable channel for submitting supporting documentation Conduct a transparent and fair investigation I am requesting immediate regulatory review and written clarification from Goldman Sachs regarding : 1. The status of this reopened dispute 2. The reason provisional credit has not been issued 3. The basis for refusing to discuss the case 4. My formal rights under applicable billing error protections This situation is causing ongoing financial hardship and uncertainty. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Back about 2 months ago my wife decided to play all of my debt off of my Capital One credit card. Capital One gladly took her money, and XXXX out my account. I thought all was well. Then come to find out a few weeks later I try to use the card and it is locked. I called them and they said I had to verify my wife made the payment. This is odd, because why would they accept the cash first and question me later? My wife wasnt available, so I called them back later. Maybe a week or two. They then told me my account is locked and closed forever and all they can do is open a new one. My credit score dropped XXXX points. And my crime was paying off my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
Formal Complaint Regarding Reversed Apple Card Payments ( Goldman Sachs ) I am submitting this complaint against Goldman Sachs, the issuer of my Apple Card, regarding multiple credit card payments that were reversed after being properly authorized, processed, and settled for several months. 1. History of Authorized Payments For several months prior to the end of my relationship, my ex-boyfriend voluntarily and knowingly used his debit card to make payments to my Apple Card. These payments were fully authorized, consensual, and intended to cover shared household expenses and expenses for our child. All payments were processed successfully and reflected as completed on my account. 2. Dispute and Reversal of Payments After our relationship ended in late XX/XX/XXXX, my ex-boyfriend contacted his bank XXXX XXXX XXXX XXXX - Debit ) and disputed the previously authorized payments, claiming they were fraudulent. On XX/XX/XXXX, he formally submitted the fraud claim. I will be attaching bank statements from previous months ( XXXX and XXXX ) showing that my ex-boyfriends account had been regularly used to make these payments, demonstrating a clear pattern of authorized and legitimate payments. Given this documented history, it is evident that the dispute filed in XX/XX/XXXXXXXX was not due to unauthorized payments, but appears to be an attempt to retroactively reverse legitimate payments, which could be considered a form of financial abuse following the end of our relationship. Following this dispute, several payments that had already been accepted and processed by Apple Card ( Goldman Sachs ) including payments dating back to XX/XX/XXXXXXXX were reversed. Reversed Apple Card Transactions : Date Amount XX/XX/XXXX {$1400.00} XX/XX/XXXX {$230.00} XX/XX/XXXX {$770.00} XX/XX/XXXX {$990.00} XX/XX/XXXX {$1100.00} Total : {$4600.00} These payments had been processed and reflected on my account before being reversed. I was not provided with a clear explanation of how settled payments could later be reversed, nor was I informed of the basis for the determination that these transactions were fraudulent. 3. Concerns Regarding Goldman Sachs Handling As the issuer of the Apple Card, Goldman Sachs allowed XXXX XXXX XXXXXXXX to process a fraud claim on long-settled payments without apparent scrutiny. -No meaningful investigation appears to have been conducted regarding authorization and consent of the payments. -I was not provided with documentation supporting the reversal of the transactions. -I was not given notice or an opportunity to provide evidence before the reversals were finalized. -The institution failed to explain the regulatory or contractual basis for reversing settled transactions months after they were processed. These actions have caused significant financial harm, leaving me responsible for a balance that was previously paid in full and legitimately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: FL

Complaint narrative:
Dear Social Security Representative, I am writing regarding my Social Security payment of {$2200.00} that was deposited into my newly opened E * TRADE bank account on XX/XX/year>. Shortly after the deposit, E * TRADE froze my funds and requested identification documents, which I provided in full. Despite this, the bank informed me that they no longer wish to do business with me and refused to release my Social Security funds, stating that the payment can only be returned if Social Security " recalls '' it. I have visited my local SSA office multiple times, but the issue remains unresolved. The bank is holding my federal benefit payment, and I can not access my funds. I respectfully request that Social Security initiate a payment trace or Treasury reclamation so that my funds can either be returned to Social Security and reissued, or released to me by another method. Name : - XXXX XXXX XXXX : - XXXX Payment amount : - XXXX Receiving bank details : - E * trade bank by Morgan Stanley Acct number : - XXXX Routine : - XXXX Please Ill be happy if I can get a response as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westcreek Financial
State: IA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint to formally request the complete removal of XXXX/Koalafis account from my credit reports with XXXX, XXXX, and XXXX due to a documented pattern of inaccurate, inconsistent, and potentially unlawful credit reporting that has caused harm to my credit profile. Basis for Removal XXXX/Koalafi has engaged in repeated reporting actions that undermine the accuracy and reliability required under federal law, including : Updating the account to reflect an agreed-upon settlement amount and then, approximately one year later, increasing the reported balance to nearly double that amount without notice, explanation, or supporting documentation. Removing the account from my credit report and subsequently reinserting it between XX/XX/year>, and XX/XX/year>, without notice and without demonstrating proper certification of accuracy prior to reinsertion. These actions reflect inconsistent furnishing practices and call into question whether XXXXKoalafi can accurately and lawfully report this account at all. Consumer Harm XXXXKoalafis reporting conduct has caused, and continues to risk causing, material harm to my credit profile, including but not limited to : Artificial inflation of reported debt Negative impacts to credit scoring due to balance fluctuations and reinsertion of derogatory information Increased credit utilization Potential denial of credit or less favorable lending terms Credit reporting must be accurate, stable, and verifiable. XXXX/Koalafis actions fail to meet this standard. Applicable Laws and Rights This conduct implicates multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681s-2 ( a ) Requirement to furnish accurate information 15 U.S.C. 1681s-2 ( b ) Requirement to reasonably investigate disputes and correct or delete inaccurate or unverifiable information 15 U.S.C. 1681c ( f ) Prohibition on reinsertion of deleted information without proper certification and consumer notice 15 U.S.C. 1681e ( b ) Requirement to assure maximum possible accuracy Additionally, this conduct may constitute unfair or deceptive acts or practices ( UDAAP ) under 12 U.S.C. 5531.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
A collection agency is reporting a debt that I do not recognize. I have not received documentation showing I opened or authorized this service. I am requesting full validation including the service agreement, service address, and itemized billing. If the debt can not be verified, it should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: MO

Complaint narrative:
Tek-Collect Inc. is attempting to collect a debt that was previously and successfully disputed and substantiated via chargebacks approved by XXXX XXXX XXXX XXXX after thorough investigations which totaled {$1000.00}. The aligners that were never received were part of the original Retail Installment Contract and were offered pre-bankruptcy. I sent a copy of the Retail Installment Contract to Tek-Collect Inc. along with all approved chargeback letters. The product and services were not received, therefore XXXX was in breach of contract. Additionally, prior to Tek-Collect Inc. 's attempt in collecting the same debt in question, XXXX XXXX XXXX ( XXXX ) automatically deducted charges from my credit card without authorization on two separate occasions. A separate complaint was filed with the Consumer Finance Protection Bureau ( CFPB ) as a result. That complaint ID is XXXX and it was submitted on XX/XX/XXXX. Their response was a generic, automated response explaining what happened to XXXX, but was irrelevant to my situation as goods and services were not provided pre-bankruptcy. I spoke with a customer service representative at Tek-Collect Inc. on XX/XX/XXXXXXXX to submit a dispute as all chargebacks were approved by my financial institution. I followed up on the dispute on XX/XX/XXXXXXXX and the customer service representative stated they had sent proof of something to my home address, but would not specify what they had sent. I stated that it had never been received. The rep stated they would ask their supervisor to see if they could get permission to send said proof again. This proof in question has still not been received as of XX/XX/XXXX. Given chargebacks were already approved for goods and services that were never received, the debt must be canceled. If not, Tek-Collect will be in violation of the Fair Debt Collections Practices Act ( FDCPA ). In an email sent to Tek-Collect Inc. on XX/XX/XXXX, I had requested that they confirm receipt of my email that included attachments of all approved chargebacks and a copy of the original Retail Installment Contract , and asked they confirm the total amount and date the debt was to be canceled. As of XX/XX/XXXX, they have not responded.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I did a balance transfer from XXXX XXXX credit card to capital one electronically on capital one app on XXXX XXXX. The balance transfer posted on capital one app on XXXX XXXX of {$6500.00} that XXXX XXXX accepted. I waited for 2 months and still didnt see my XXXX XXXX credit card limit decrease, I had called XXXX XXXX about issue. On my XXXX XXXX transaction there was recollection of the balance transfer posted. I went back and forth calling both bank customer services. Capital one said it is on the XXXX XXXX side due to it being cleared on capital ones end. I did an investigation on XXXX XXXX side, received a case number on XXXX XXXX. I called today and they gave me the said info of not being able to find anything regarding case. I am paying the minimum on two cards now ; the capital one credit card where the supposed balance transfer went through is added debt now.

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: ENCORE CAPITAL GROUP INC.
State: NV

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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MORGAN STANLEY & CO. LLC
State: GA

Complaint narrative:
Etrade froze my entire 'Max-Checking ' account due to 'suspicious activity ' which was a check deposited of approx {$1100.00} for reimbursement ( compensated for my travel to interview for a company ). Etrade, after 7 separate phone calls, will not release the funds as their protocols to check for authenticity require an authoritarian of a multi-billion dollar company to validate a check of {$1100.00} for reimbursement of an interview. The senior accounting manager for the company I interviewed for authenticated the check to Etrade and XXXX, but he was not deemed reliable due to not being authorized to check the account ( he is authorized to withdraw for payment ). I now have missed my mortgage payment and credit card payments due to Etrade not releasing any of my funds from the checking account ( $ XXXX being held up due to $ XXXX being in question ). It has been over 7 days.

Company response to consumer: Closed with explanation