vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Related to Complaint : XXXX and XXXX Summary : My Client is a victim of identity theft and unauthorized access to his account. An unknown individual gained access to my Clients bank account and withdrew a substantial sum of money without authorization. Upon being notified of the fraud, the bank conducted a review and returned a portion of the stolen funds. However, the remaining balance of unauthorized withdrawals has not been reimbursed and remains owed to my Client. ... We are responding to the Wells Fargo Bank letter dated XX/XX/year>. Due to the identity theft incidents affecting the accounts outlined in our original complaint, my Client previously contacted your institution by telephone and in-person, requesting that all Bill Pay services and functions be discontinued on his accounts. In accordance with Wells Fargos most recent instructions, to request cancellation of all Bill Pay services associated with the affected account ( XXXX ), my Client contacted Wells Fargo by phone on XX/XX/year>, and specifically requested that all active and pending Bill Pay transactions be cancelled and that Bill Pay services be discontinued in full. This statement serves as an official written follow-up and formal confirmation of those prior requests. Additionally, we formally request complete Bill Pay transcripts and transaction history for all accounts contained in the original complaint, reflecting : All cancelled Bill Pay transactions The account numbers associated with each Bill Pay transaction The dates and account numbers each Bill Pay was originally scheduled The dates and account numbers each Bill Pay was cancelled Confirmation in writing that all Bill Pay services have been fully discontinued, and the date of the discontinuance This documentation is required to facilitate the resolution of outstanding funds owed to our Client, in a manner consistent with the protections and requirements of the Electronic Fund Transfer Act ( EFTA ). Please provide the requested records and written confirmation of service termination within the timeframe required under applicable federal banking and consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I am filing this complaint against LVNV Funding LLC because the company has reported an alleged debt on my consumer credit report despite the fact that I have never received any written validation notice, dunning letter, billing statement, or prior communication from LVNV before it furnished this tradeline, thereby depriving me of the disclosures required under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( a ), which mandates that a debt collector provide written notice of the amount of the debt, the name of the creditor, and the consumers right to dispute within 30 days of initial communication ; no such notice was ever provided to me. LVNV has nevertheless furnished and verified this account to consumer reporting agencies without producing competent evidence of a valid contract, complete payment history, lawful chain of assignment, or accurate balance calculation, raising serious concerns under the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2 ( a ), 1681s-2 ( b ), and 1681e ( b ), which prohibit furnishing information known or reasonably believed to be inaccurate and require a reasonable investigation following notice of dispute. LVNV has a documented history of federal consumer litigation involving improper collection and credit reporting practices, including cases such as XXXX v. LVNV Funding, LLC ( 7th Cir. XXXX ) and XXXX v. LVNV Funding LLC ( E.D. Mo. XXXX ), which reflect judicial scrutiny of LVNVs reporting and collection conduct, demonstrating that such reporting can constitute collection activity and must comply strictly with federal law. Reporting a debt without first providing required validation notice and without maintaining documentary proof of ownership and accuracy reflects reckless disregard for statutory obligations and constitutes abusive credit reporting practices that have damaged my credit standing and imposed financial and emotional harm. I request that the CFPB require LVNV Funding LLC to immediately and permanently delete this tradeline from all consumer reporting agencies, provide written disclosure of all documentary evidence relied upon to report and verify this account, and issue a preemptive compensatory payment of {$250.00} to remediate unlawful credit reporting injury and investigative misconduct ; absent corrective action, I reserve all rights to pursue statutory, actual, and punitive damages, attorneys fees, and all other relief available under federal and applicable state law.

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

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: TX

Complaint narrative:
My vehicle was repossessed beginning XXXX and I was provided with a reinstatement amount of {$1800.00}, that they said would immediately bring my account to current, which I paid in full on XX/XX/XXXX.. The payment cleared 24hours after. I reached out to West lake financial every single day since my payment to regain access of my vehicle but no one seems to know where the car is and how I can retrieve it. They provided me the repossession lot number but they said they dont have my vehicle. The sent me the auction number, they also told me they dont have my vehicle. On Friday the XXXX I called in the morning they mentioned it take 24 - 48 hours to process and for the auction to release forms, that I should talk to them. Waited the end of the day and still nothing. As of, Monday XX/XX/XXXX, its been five ( 5 ) days since payment was made, and I have not been provided with the location of my vehicle or instructions for retrieval. I have called multiple times and have been transferred between departments without resolution. No representative has been able to confirm where my vehicle is currently located. Not even the auction or west lake financial. They want me to figure out where my vehicle is and this has cost me the lost of multiple jobs. This delay is unacceptable and it is a bridge to my rights. I need action taken against this institution because its causing me financial damage. In addition I have valuables in my vehicles that I need immediate but I do not have access to. The first time they reposed my vehicle back in XX/XX/year>, the towing company damaged my vehicle in the front. I filed a complaint and followed up but no one has responded to me. This time around they repossessed because the payment was not processing online so I had to pay in store and I was on bed rest with a XXXX. Also, Westlake constantly send me false billing due date. The day I after I made my payment. They sent me an email on the same day that I have an outstanding balance and it needs my immediate attention. When, the payment of {$1800.00} is suppose to cover any past due and outstanding balance. I believe my bill is due every 16 of the month. I have attached photos below. Since I lost my job its been tough and they are making my life hard. I cant deal with this. Because of the failure to provide access to my vehicle after accepting reinstatement funds, I have incurred additional out-of-pocket expenses, including : XXXX rental costs XXXX transportation expenses Event booking transportation and refunds Which I would need compensation for as settlement. I formally requested Written confirmation of the exact location of my vehicle. Immediate release instructions. Written explanation for the delay. Confirmation that the vehicle has not been sold, transferred, or otherwise disposed of after accepting my reinstatement payment. But I still have not heard back from west lake financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Consumer Financial Protection Bureau Subject : XXXX XXXX Inaccurate and Internally Inconsistent Credit Reporting ( FCRA Violations ) I am submitting this complaint against XXXX XXXX regarding materially inaccurate and internally contradictory credit reporting on my consumer credit file. XXXX XXXX XXXX Summary of the Issue XXXX XXXX is reporting a charged-off credit card account that contains mutually exclusive and factually impossible data fields, yet continues to verify the tradeline as accurate. XXXX XXXX XXXX Specific Inaccuracies and Contradictions 1. Charged-Off Account Reported as Past Due - Original Charge-Off : {$9300.00} - Past Due Amount : {$9300.00} A charged-off account can not simultaneously be past due. 2. Monthly Payment Terms on a Closed, Charged-Off Account - Terms : Paid Monthly - Pay Status : Charged Off A charged-off account has no ongoing payment terms. 3. Delinquencies Reported After Account Closure - Date Closed : XX/XX/XXXX - 120-Day Delinquencies Reported : XX/XX/XXXX and XX/XX/XXXX An account can not become delinquent after closure unless the account is being illegally re-aged. 4. Ongoing Updates Without Correction - Date Updated : XX/XX/XXXX XXXX continues to update the tradeline without correcting the above contradictions, amplifying consumer harm. XXXX XXXX XXXX Regulatory Concerns These issues indicate violations of : - Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) - Accuracy and integrity requirements for furnishers - Federal prohibitions against re-aging derogatory accounts # # # Harm to Consumer This inaccurate reporting continues to : - Suppress my credit score - Damage creditworthiness - Extend the negative impact of a charged-off account beyond permissible bounds XXXX XXXX XXXX Requested Resolution I am requesting that the CFPB require XXXX XXXX to : - Correct all inaccurate data immediately or - Delete the tradeline entirely if accuracy can not be documented - Provide written confirmation of compliance I am prepared to pursue all available remedies if this matter is not resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
Account was open in my name I live in South Carolina I Have XXXX Car Insurance! I looked at my credit report and called XXXX and they said account was open in XXXX in Georgia! They opened account and never made a payment now its showing on my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Portfolio Services, Inc.
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 ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hiday & Ricke, P.A.
State: FL

Complaint narrative:
On XX/XX/year>, I sent a formal written dispute and demand for validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) regarding the above-referenced alleged debt. My dispute clearly requested : A copy of the original signed agreement Full account history Proof of assignment / chain of title Proof of authority to collect Proof that the amount claimed is accurate and lawful The company has failed to provide competent evidence validating the alleged debt. Instead of supplying the documentation requested, they either : Provided incomplete information, Ignored specific validation requests, or Continued collection/reporting activity without proper validation. Under 15 U.S.C. 1692g ( b ), once a consumer disputes a debt in writing within the required timeframe, the debt collector must cease collection activity until verification is mailed to the consumer. Additionally, reporting or continuing to report a debt without conducting a reasonable investigation may violate 15 U.S.C. 1681s-2 ( b ) of the FCRA. Their failure to properly validate the debt while continuing collection efforts and/or credit reporting constitutes : Failure to validate under FDCPA 1692g ( b ) Potential false or misleading representation under 1692e Potential unfair collection practice under 1692f Failure to conduct reasonable investigation under FCRA 1681s-2 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Starting in XX/XX/year>2025, PHH Mortgage took over my mortgage and did an escow analysis, there they used the tax number {$9300.00}, which therefore reduced my monthly payment {$250.00} per month. They used the incorrect tax number, as my taxes for 2025 were XXXX. At the end of 2025, I had a " shortage '' of {$3000.00} in my escrow account, due to the fact they reduced my payment per month because they used the incorrect tax number on their analysis. I have called multiple times and talked to multiple associates that they see the error and " are sorry ''. I was supposed to receive a call on XX/XX/XXXX from an associate to go over the details and no one called. It wasn't until I told them I will be filing a complaint that someone called me immediately. The man was rude on the phone and told me he see 's where the issue and was completely rude and not helpful in resolving my issue for their incompetence. I would NEVER recommend this mortgage company to anyone as they are making XXXX of dollars of mistakes for negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One is in violation of Regulation E by failing to correct a documented merchant error totaling {$840.00}. On XX/XX/XXXX, I provided 10 attachments of written merchant admissions regarding an 'auto-refill ' glitch for charges of {$590.00} and {$240.00}. I have cited a successful precedent from XX/XX/year> ( Claims # XXXX and # XXXX ) and where Capital One resolved an identical error. Despite speaking with Executive Specialist XXXX on XX/XX/XXXX and emailing the CEO 's office, my account remains at - {$370.00}. I have acted in good faith by depositing {$150.00} to stabilize the account, but the bank has failed to issue credits or place a collection hold. I am requesting an immediate manual adjustment to restore my funds. The current unresolved XXXX claims are : [ # XXXX ] they claimed I didn't respond to that which I did and [ # XXXX ]. These claims should be cross-referenced with my successful XX/XX/year> claims or an immediate manual credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: AL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My account has been scheduled to close since XX/XX/XXXX and its still hasnt closed I have funds on this account and I still cant access them I told them Im about to be homeless cause I got laid off and I still cant access my funds and nobody can help me feel like Im being targeted and nobody cares to help this is my second complaint and still NO HELP I need my funds

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 2026-03-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My company moved our XXXX program form HSA bank to XXXX on XX/XX/year>. Hsa bank DID NOT follow our company instructions and the filled out the check wrong and send it to XXXX, Due to XXXX banks error, XXXX could not cash the check. I call HSA bank XXXX times last year asking them to send a new check to me or XXXX and they did not. I have well over XXXX hours logged trying to call them and get my money. I am now ready to pursue legal actions

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XX/XX/year>, I received an email from Synchrony Bank indicating that I had a balance due totaling several XXXX dollars. I immediately logged into my account and discovered multiple fraudulent transactions made at an auto shop in New Jersey. At the time these transactions occurred, I was in Arizona for work. I also do not reside in New Jersey or anywhere in proximity to the state. I promptly reported all unauthorized transactions, after which my card was closed and credits were issued for the posted fraudulent charges. However, additional pending transactions from the same merchant subsequently posted to the new card number that had been issued. I followed up to report that these transactions were also fraudulent and required dispute. The card was closed again, and another replacement card was issued. After the second dispute was submitted, several balance transfers and adjustments were made across the account. These entries were fragmented and unclear, making it difficult to reconcile the amounts associated with the disputed transactions. When I contacted Synchrony Bank, I noted that a remaining balance of {$900.00} was still showing on my account. I was assured that this amount had been included in the dispute, and when I asked why it had not been credited, I was told not to worry that it would be addressed during the investigation and that I would not be responsible for any payment obligations. This was unacceptable, as the outstanding balance continued to be reported to the credit bureaus. Despite multiple follow-up calls, I received the same response each time. On XX/XX/year>, I received a notification that my payment was past due and that a late fee had been assessed. When I called to address this, I was transferred between several departments, each of which stated that only two transactions had been disputed. I reiterated that a second dispute had been filed for the additional transactions, but that the accounting remained incorrect and I was still being held responsible for {$900.00} as well as a late fee. This situation has affected my credit reporting for nearly three months and remains only partially resolved. I made it clear during all my communications that the bank had overlooked transactions, especially since I have not actively used this account for some time. As someone with a strong understanding of regulatory requirements, I have consistently articulated the issues and the necessary steps for resolution. Despite this, my concerns have repeatedly been dismissed, and I have been told there were no accounting discrepancies and that everything would be addressed as part of the investigation.

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