vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
DEBT REC SOL is falsely reporting on my credit. I have never had any accounts with them. Per my research DEBT REC SOL 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 2026-01-20 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: OK

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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 XXXX XXXX rewards card back in end of XXXX after seeing ads for an intro bonus of {$100.00} travel credit an XXXX bonus miles when {$500.00} is spent within the first 3 months. I called CapitalOne on XX/XX/year> to ask about this offer and they told me it was for the annual fee XXXX XXXX The ad said it was for the XXXX XXXX card that I applied for. I messaged CapitalOne the next day XX/XX/year> and they confirmed the offer link was for the XXXX XXXX card and directed me to call back and ask to speak to a supervisor. I spoke to the supervisor and they informed me they had two advertisements for the same card - one with the offer and one without. However this was not clear in the advertisements. I asked if it was not possible to get the intro bonus offer even though I applied for the same card and he said that was not an option. This was a deceitful tactic having two advertisements on the same social media platform. I attached images taken XXXX minutes apart that contain two different offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I am submitting this complaint against American Credit Acceptance for servicing errors, failure to apply canceled warranty and GAP refunds, and failure to correct my contract following redemption of the vehicle. 

My vehicle was repossessed on XX/XX/XXXX, and redeemed on XX/XX/XXXX. After redemption, multiple extended warranties and ancillary products financed into my loan were canceled. Refunds were issued to the lienholder, yet my principal balance has not been accurately updated. 

Disputed Issues High Mileage Extended Warranty ( {$3300.00} ) : only {$240.00} credited GAP Coverage ( {$490.00} ) : {$410.00} sent but not applied Paintless Dent Repair ( {$600.00} ) : no refund credited Additional coverages totaling {$4800.00} canceled XX/XX/XXXX and not fully applied Despite my requests, no documentation has been provided showing cancellations, refund calculations, or application of funds. 

Requested Resolution I am requesting CFPB assistance to require American Credit Acceptance to : Reinstate or correct the contract to reflect the redeemed status of the vehicle OR, if reinstatement is not permitted, Apply all refundable amounts to the principal balance of the loan, Remove interest assessed on funds that should have been credited earlier, Provide complete documentation and correct any inaccurate credit reporting.

These actions constitute violations of : Fair Credit Billing Act ( 15 U.S.C. 1666 ) Truth in Lending Act and Regulation Z CFPB servicing accuracy requirements Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I got scammed from someone saying I would be in legal trouble if I didnt pay {$350.00} that they said would be refunded right after. They didnt and then I realized it was a scam after I had already paid {$350.00}. The bank and payment service denied both my claims for fraud. Im enclosing screenshots of the denial, the transaction I wanted to get the money back from and the discord name of the person who scammed me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
SENTRY RECOV is falsely reporting on my credit. I have never had any accounts with them. Per my research SENTRY RECOV 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 has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Gladman Sachs Bank USA ( Marcus ) is refusing to release matured CD funds as of XX/XX/year> ( account number XXXX ). I have followed all protocols since XX/XX/year>, the maturity date, with over a dozen calls and XXXX hours, but funds are being held without a valid legal reason, causing financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Stellantis Financial Services US Corp.
State: AL

Complaint narrative:
I am disputing the handling of an auto loan payoff involving joint-payee checks issued by XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX issued a payoff-related check payable to XXXX XXXX AND XXXX XXXX XXXX '' I mistakenly mailed the check, along with a personal check for {$180.00} to cover any excess, to Stellantis. For context, I have open auto loans with both Sellantis FS and XXXX XXXX for XXXX different vehicles. 

Stellantis negotiated ( cashed ) both checks. Stellantis then mailed me back a check only for the amount of my personal check ( {$180.00} ), while retaining the larger XXXX XXXX payoff check. 

Despite cashing the XXXX XXXX payoff check, XXXX XXXX has not applied the payoff to my loan, transferred the funds to the appropriate financer under XXXX ( XXXX XXXX ), and has failed to respond to my several requests to investigate. XXXX XXXX has also failed to respond substantively to my CFPB complaint and has not provided XXXX XXXX with the confirmation necessary to resolve the payoff. 

As a result, I am being subjected to duplicate liability for a debt that has been paid, while the funds are in the lender 's or its parent entity 's possession. 

This conduct constitutes improper handling of a payoff, failure to credit payments, and unfair servicing practices. I am requesting immediate correction.

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 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Greetings, I am writing to escalate an unresolved issue regarding repeated failed wire, transfers, and improper fees. I have contacted Bank of America customer service multiple times and have even set up an in-person appointment, to no avail. 

For context, I made a domestic wire transfer through Bank of America on XX/XX/year>. Only after these failed ordeals did I become aware through my own personal research that Bank of America offers ACH wire transfers only on the desktop platform, not through the mobile app. For reference, ACH wire transfer fees cost much less than the Bank of America domestic transfer fees, which charge {$30.00} per transfer. 

I find it absurd for a service like ACH wire transfers, to be restricted to desktop only. Customers should be able to access this option through desktop and mobile platforms. The fact that XXXX transfers are not available on mobile directly contributed to complications that followed. This option should have been easily accessible the matter to the device that was being used. 

I entered all the recipients ' information correctly, including the name, address, city, routing number, and account number. There were absolutely no errors on my part. I fulfilled all obligations expected of me as a customer. 

Despite all this, the wire transfer failed twice. 

I was charged a {$30.00} wire transfer for the first attempt, which then failed. The wire was then resubmitted, failed again, and I was charged an additional {$30.00} fee resulting in {$60.00} in fees for a wire transfer attempt that was never completed by Bank of America. An additional {$15.00} fee was charged and later reversed after I issued a complaint. However, the remaining {$60.00} from the single wire transfer fee that I was charged twice for was never reversed. 

The second resubmitted wire transfer caused my account to become overdrafted, triggering an overdraft fee, which was then deducted when the wire funds were eventually returned. Though the second transfer had been re-processed on the same day, XX/XX/year>, I was only notified a week later that it had failed once again when I should have been notified within XXXX to XXXX business days. 

These failed wire transfers were not caused by incorrect information or customer error. The failures were the result of internal processing issues in Bank of America Americas platform design and policies. Charging a customer for failed services is not only absurd, but also absolutely inappropriate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
I have XXXX collections reported on my credit reports and they all say XXXX XXXX but say care of XXXX XXXX. Where is the proof of Chain of Title? I have not received any mail through the U.S. Postal Service about these accounts neither. So these accounts show up twice on each credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capital One Bank ( USA ), N.A. 
Complaint Type Credit Card Billing Dispute Unauthorized Transaction Complaint Description I am submitting this complaint regarding Capital Ones refusal to credit my account for an unauthorized transaction in the amount of {$2800.00}, despite timely notice, documented evidence, and a formal fraud dispute. 
In XX/XX/year>, I permitted a third party to use my Capital One credit card for a limited purpose related to an XXXXXXXX XXXX. The XXXX reservation was originally initiated and billed using a different payment method, and I did not authorize continued or future charges to my Capital One account beyond the initial, limited permission. 
On XX/XX/year>, XXXX attempted to charge my Capital One credit card {$2800.00} for a subsequent billing period. That charge was initially declined due to insufficient available credit. Upon becoming aware of this attempted charge, I immediately instructed the third party to contact XXXX and request removal of my card. XXXX explicitly refused to remove the card, despite being advised that the charge was not authorized. 
I then contacted Capital One and promptly filed a fraud dispute, providing documentation that included screenshots confirming : XXXX was instructed not to charge my card XXXX refused to remove the card I did not authorize the XX/XX/year> transaction Without my knowledge or consent, Capital One increased my credit limit and approved the transaction, allowing an over-limit charge to post. At no time did Capital One contact me to verify authorization for this transaction prior to approving it. 
Over the course of approximately two to three months, I cooperated fully with XXXX Ones investigation and provided all requested documentation. Despite this, Capital One concluded that I am responsible for the charge and declined to issue a credit. 
This determination is inconsistent with consumer protections governing unauthorized credit card transactions. A card issuers internal decision to extend credit or approve an over-limit transaction does not constitute cardholder authorization, nor does it transfer liability to the consumer when authorization was expressly withheld. 
Steps Taken to Resolve the Issue Contacted XXXX multiple times requesting removal of my card Notified Capital One immediately and filed a fraud dispute Submitted documentary evidence showing lack of authorization Participated in all requested follow-up communications Submitted a complaint with the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
According to fora section 605b, it is illegal to report any information on my credit profile without my permission. Please remove this negative item from my Credit Report. Thank You! 

I dont have an account number but its is a Navy FCU XXXX closed XX/XX/year>XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
Fair Collections & Outsourcing ( FCO ) is reporting a collection account on my credit reports, but I still have not received the required written notice/validation packet. In the prior CFPB response, FCO claimed it mailed verification of debt on XX/XX/year> with an itemization and a signed lease agreement, but nothing has been received at my address. If this documentation exists, it should be uploaded in this CFPB portal so I can review it. Additionally, FCOs response states the debt was placed for {$110.00} with a current balance of {$110.00}, yet the amount being reported to the credit bureaus is inconsistent ( showing approximately XXXX XXXX {$120.00} ). These discrepancies and the failure to provide written notice/validation make the reporting inaccurate and unverifiable, and continued reporting without providing validation violates federal requirements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cash app account was scammed for {$900.00} cash app refused to pay me. They see it was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Revenue, Inc.
State: PA

Complaint narrative:
I sent Eastern Revenue Inc. a written debt validation request via certified mail. The company refused delivery and returned my letter. They did not provide verification of the debt but continue reporting the account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I am unable to reach ANY representative from the bank who understands XXXX clearly enough to help me. I'm a XXXX XXXX and and the PNC phone line goes to someone who asked how they could help me, kept saying ok as I explained, and then asked how they could help me. I next tried their bot and it took XXXX minutes to get help with something very simple ( i.e., they were listing as active a debit card that had been replaced ). I tried calling what I thought was corporate customer service but could not get past the recordings to a person. Customer service is no longer possible with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
In XX/XX/year>, a cashiers check in the amount of {$27000.00} issued by XXXX XXXX XXXX XXXX was fraudulently used to open an account at U.S. Bank without my authorization. While I was unavailable and unaware, the perpetrator deposited the check at U.S. Bank and withdrew the funds. 

After discovering the fraud, I promptly reported the incident and submitted the required identity theft and fraud documentation. I also filed police reports and identified the perpetrator, which was communicated to U.S. Bank. U.S. Bank opened identity theft case number XXXX, and on XX/XX/year>, U.S. Bank acknowledged and approved the identity theft claim, confirming the account associated with the transaction was fraudulent and not opened by me. 

Following the approval, U.S. Bank temporarily restored my access to the fraudulent account for administrative purposes. I was then explicitly instructed by U.S. Bank to close the account, which I did. At the time of closure, the remaining balance was under {$10.00}. 

Despite acknowledging and approving the fraud, U.S. Bank did not return the {$27000.00}. Instead, U.S. Bank stated that recovery must occur through a bank-to-bank process with XXXX XXXX XXXX XXXX . I have made repeated attempts to follow this process as instructed, but the funds have not been reimbursed. 

XXXX XXXX has indicated that resolution requires action from U.S. Bank. As a result, although U.S. Bank has acknowledged the fraud, the matter remains unresolved and the funds unrecovered. 

I have complied with every request made by U.S. Bank and have retained all documentation related to this matter, including police reports and supporting evidence, which I can provide upon request. 

I am requesting CFPB assistance to ensure U.S. Bank takes appropriate action to resolve this matter and return the funds that were fraudulently cashed.

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