vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am requesting that this account be fully investigated and removed from all consumer reporting agencies if the company can not provide competent evidence that I legally owe this debt. I dispute the validity and ownership of the alleged account being reported and collected. this is not my account also this account is sold to someone i never had an account with by law it should be removed. Account info Account nameWFBNA CARD Account numberXXXX Original creditor- Company sold- Account typeCredit card Date openedAug XXXX, XXXX Open/closedClosed StatusAccount charged off. {$3200.00} written off. {$3200.00} past due as of XX/XX/XXXX. Status updatedXXXX XXXX Balance {$3200.00} Balance updatedMay XXXX, XXXX Credit limit {$3200.00} Monthly payment- Past due amount {$3200.00} Highest balance {$3200.00} Terms- ResponsibilityIndividual Your statement- ________________________________________

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 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: TX

Complaint narrative:
Via the XXXX XXXX XXXX On XX/XX/year> VANCE AND HUFFMAN agreed the accounts they are collecting and reporting for are verified fraudulent accounts in the amounts of {$2500.00} and {$2700.00} and agreed to cease reporting them to the credit bureaus. They have not contacted the bureaus and are continuing to report the fraudulent accounts. They remain on my report which violates my right under FCRA. Attached is the response from XX/XX/year>. My rights are being violated at this point and I will contact legal to file a lawsuit if the company does not update the consumer reporting agencies XXXX and XXXX to delete the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
This complaint is formally submitted regarding a materially deficient, unverified collection entry placed on my Experian consumer report by the third-party collection agency, XXXX. XXXX, XXXX, for an alleged balance of {$2800.00}. An immediate audit of the reported entry reveals a fatal administrative defect : there is no account number provided anywhere on the record.Statement of Pristine Records The record confirms that my personal and medical affairs are entirely satisfied and fully up to date. Every medical necessity is handled completely through Medicaid coverage, leaving an absolute balance of XXXX outstanding liabilities. No outstanding debt, contract, or lawful agreement exists between myself and XXXX. XXXX, XXXX or any underlying corporate original creditor. This entry is a complete data error, a scrambled file, or a fraudulent fabrication that has been recklessly attached to my profile. Failure to Provide Validation and Core Identifiers A valid, lawful record can not exist in a state of complete ambiguity. XXXX. XXXX, XXXX has failed to provide : A complete, unmasked original account number. An authentic contract or agreement bearing an original wet signature. An itemized day-by-day transaction ledger proving the origin of the alleged {$2800.00} balance. The placement of an automated collection flag that damages a pristine credit history without possessing basic verification details or an account number is an abusive administrative failure. It causes direct, unwarranted disruption to my daily life. Requested Resolution and Corrective Action The Consumer Financial Protection Bureau is requested to intervene immediately and compel the reporting entities to perform the following actions : XXXX. Direct XXXX. XXXX, XXXX to immediately cease all collection and reporting activity regarding this unverified file. XXXX. Compel Experian to completely delete and scrub this deficient {$2800.00} collection entry from my credit profile due to a complete lack of account verification and source documentation. XXXX. Require the reporting parties to align their data with the absolute truth of my clean records.

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 2026-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
I am filing this complaint against Westlake Financial regarding deceptive servicing practices, bad faith negotiation, and the improper acceleration of previously deferred fees on my auto loan, and payments going only to interest. Account # XXXX VIN # XXXX Previously, I experienced a hardship that resulted in repossession fees. At that time, a Westlake Financial XXXX explicitly agreed and assured me that those repossession fees would be deferred to the very end of my loan term. I relied on this agreement as a condition of my ongoing payments.On Friday, XX/XX/XXXX, my XXXX XXXX XXXX was repossessed due to being roughly XXXX days late on my XXXX payment ( due XX/XX/XXXX ). I was also not notified about the vehicle being up for repossession. Not a call not a voicemail not any mail sent to my home. Upon calling Westlake and finally getting in touch with them to reinstate the loan, ( which is almost impossible to get through to them via phone call anyway since the line always goes flat, you hear nothing and then it hangs up ), I discovered that they had deceptively and without prior notice accelerated the previously deferred repossession fees, combining them with the current past-due amount and new towing fees. This artificially inflated my reinstatement quote to {$2000.00}. My husband ( an authorized speaker on my account ) and I called Westlake multiple times on XX/XX/XXXX to resolve this in good faith. We offered {$1000.00} cash for immediate payment. This {$1000.00} fully covers the actual past-due monthly payment plus the new repossession fees. We asked Westlake to honor their original agreement to keep the old fees deferred to the back of the loan. A XXXX XXXX XXXX flatly refused our {$1000.00} payment, demanding the full {$2000.00}. By reneging on their prior agreement to defer those fees, Westlake created an artificial financial barrier to reinstatement. We are a family with XXXX young children ( ages XXXX to XXXX ). Because Westlake refused a completely reasonable, good-faith {$1000.00} payment on Friday, our vehicle has been trapped in an impound lot over the XXXX XXXX weekend, compounding storage fees that we can not afford. We have also escalated this to Westlake 's XXXX team via email on XX/XX/XXXX, with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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: GA

Complaint narrative:
This letter serves as my formal cease and desist request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). I am demanding that your company immediately stop all communication and collection activity regarding any alleged debt you claim I owe. I do not acknowledge or accept responsibility for this debt, and you have failed to provide any valid proof verifying its legitimacy or my obligation to pay it. Your ongoing contact attempts, collection actions, and credit reporting have caused unnecessary stress and harm to my credit reputation. As you are well aware, once a consumer issues a written cease and desist, you are legally prohibited from making further contact except to confirm compliance or notify of specific legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am requesting that this account be fully investigated and removed from all consumer reporting agencies if the company can not provide competent evidence that I legally owe this debt. I dispute the validity and ownership of the alleged account being reported and collected. this is not my account also this account is sold to someone i never had an account with by law it should be removed. Account info Account nameMIDLAND CREDIT MANAGEM Account XXXX Original XXXX XXXXXXXX XXXX XXXX. XXXX XXXX Account typeDebt Buyer Date openedJan XXXX, XXXX XXXX account. {$700.00} past due as of XXXX XXXX. XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Tesla, Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding what I believe was a misleading auto lease sales and financing process involving Tesla. I was prequalified for a XXXX XXXX XXXX lease and was quoted specific lease terms by a Tesla XXXX representative. I was told there was a special promotion for approximately {$5000.00} down and {$390.00} per month. Before moving forward, I specifically asked for a full breakdown of the pricing and asked whether the {$5000.00} would go toward anything. I was told it would not and was sent pricing information by email. Because I wanted exact terms with no hidden surprises, I carefully reviewed the information before deciding to proceed. Based on the quoted lease terms, I paid Teslas required {$250.00} order/reservation fee. However, when the final financing offer came back from the lender, the terms were dramatically different from what I was originally quoted. The final offer required approximately {$7400.00} down and {$420.00} per month. These terms were materially different from the lease terms that were presented to me before Tesla collected my money. After seeing the changed terms, I requested a refund because the deal I was offered was not the deal I agreed to move forward with. I attempted to speak with a XXXX but was unable to do so. XXXX Tesla employee informed me that because the original bank offer was denied, I should qualify for a refund. However, another Tesla representative later stated that I would not receive a refund because I was conditionally approved under a different financing structure. I believe this sales process was misleading because I was induced to pay the reservation fee based on lease terms that substantially changed afterward. Had I known the actual required down payment and monthly payment, I would not have agreed to proceed or pay the fee.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: RoundPoint Mortgage Servicing LLC
State: NC

Complaint narrative:
On XX/XX/year>, I emailed RoundPoint Mortgage regarding the removal of my PMI, which is due to be removed. After confirming receipt of my request, I received a letter in the mail approximately two weeks later. I then contacted customer service on XX/XX/year>, and was advised that the process would take up to 30 days. As of XX/XX/year>, no action has been taken and I have not received any meaningful update regarding the status of my request. I am disappointed by the lack of timely communication and the continued delay in resolving this matter. I would appreciate immediate clarification on the status of my PMI removal request and a firm timeline for completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Beginning in XX/XX/year>, I sent multiple XXXX transfers from my checking account to a licensed contractor for residential renovation work. These transfers totaled approximately {$23000.00} ( {$12000.00} was sent to the contractor via XXXX ). Each transfer was made based on repeated representations regarding project progress and completion timelines. The contractor repeatedly requested additional payments while failing to make meaningful progress, and the work remains incomplete and defective. My home is currently in an unusable condition, including having no functional bathrooms. I reported the matter to my bank and requested investigation and reimbursement consideration for transfers that I believe were induced through repeated false representations regarding contracted services. I also filed an official police report and complaints with consumer protection and licensing authorities. However, I have not received reimbursement or a meaningful resolution regarding my fraud/misrepresentation claim related to these XXXX transfers XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MIDLAND CREDIT MANAGEMENT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Debt Validation Account Number : XXXX To Whom It May Concern, I am writing in response to your communication regarding the above-referenced account. Under my rights provided by the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I am requesting validation of this alleged debt. Please provide the following : 1. The name and address of the original creditor 2. The full account number associated with the alleged debt 3. A copy of the original signed agreement or contract 4. A complete payment history, including all charges, fees, and interest 5. Proof that your company is authorized to collect in my state 6. Proof that I am legally obligated to pay this debt Until you provide proper validation, you must cease all collection activity and reporting to credit bureaus. If this debt can not be validated, you must remove it from my credit report and cease collection efforts immediately. I also request that all future communication be in writing only. This is not a refusal to pay, but a request for validation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''

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 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tennessee XXXX SPRING OAKS CAPITAL LLC XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Request for Debt Validation Account Number : XXXX To Whom It May Concern, I am writing in response to your communication regarding the above-referenced account. Under my rights provided by the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I am requesting validation of this alleged debt. Please provide the following : XXXX. The name and address of the original creditor XXXX. The full account number associated with the alleged debt XXXX. A copy of the original signed agreement or contract XXXX. A complete payment history, including all charges, fees, and interest XXXX. Proof that your company is authorized to collect in my state XXXX. Proof that I am legally obligated to pay this debt Until you provide proper validation, you must cease all collection activity and reporting to credit bureaus. If this debt can not be validated, you must remove it from my credit report and cease collection efforts immediately. I also request that all future communication be in writing only. This is not a refusal to pay, but a request for validation. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C.
State: TX

Complaint narrative:
On XX/XX/year> Trident Asset Management agreed the account they are collecting and reporting for is a fraudulent account in the amount of {$720.00} and agreed to cease reporting it to the credit bureaus. They have not contacted the bureaus and are continuing to report the fraudulent accounts. They remain on my report which violates my right under FCRA. Attached is the response from XX/XX/year>. My rights are being violated at this point and I will contact legal to file a lawsuit if the company does not update the consumer reporting agencies XXXX and XXXX to delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
on XX/XX/year> i went to withdraw XXXX from my account and it did not give me my money. i put my car into the machine entered my pin then clicked on the amount i wanted then i press enter it then started to process then I thought my money was coming out but it never came out it just displayed an error message then printed a blank receipt. the machine displayed a error message printed a blank receipt. i need this money!!! i contanted current immeditaly and was told i have to wait 45 days!!! thats insane please help me. i never had this happen ive had unauthorixed charges on my card before from current from sites like XXXX. im XXXX and im married i didnt even know was XXXX was until i say the cgarge on my acount and they still denied me despite NEVER even knowing the company existed. also other disputed they flat out denied so im super worried. i want my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
My accounts with Western Union were suddenly blocked and/or restricted without a clear explanation. I attempted to contact customer service, compliance departments, and account review teams more than ten times seeking clarification and resolution, but I did not receive meaningful responses. I repeatedly requested : * The reason my accounts were blocked or closed * Whether the issue involved identity verification, fraud prevention, AML review, or another compliance concern * Instructions regarding what documentation or corrective actions were required to resolve the matter Despite my good-faith efforts and willingness to cooperate, the companies failed to provide a meaningful explanation or a reasonable process to resolve the issue. I offered to provide identity verification documents including : * U.S. Passport * Drivers License * Employment/Contractor Identification * Proof of Address These restrictions have interfered with my ability to conduct legitimate personal financial transactions and have caused serious concern regarding whether inaccurate fraud or risk-related information may be improperly associated with my identity. I am requesting : 1. A formal manual review of my accounts 2. A written explanation regarding the restrictions or closures 3. A reasonable opportunity to resolve or cure any alleged concerns 4. Reinstatement of my accounts if appropriate following verification Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : [ XXXX ] ( mailto : XXXX ) Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Movement Mortgage LLC
State: WV

Complaint narrative:
" I am a 100 % service-connected XXXXXXXX XXXX. In XXXX, a loan XXXX with Movement Mortgage held my signed contracts for months, repeatedly texting me that XXXX 's all good ' and that the loan was processing. Due to extreme negligence and internal delays, Movement Mortgage allowed my signed paperwork and rate locks to expire at least XXXX times, forcing me to re-sign. After months of this it causing my excellent credit history to plummet and placing me in jeopardy of losing my home. I end up keeping my home but lost my credit card of XXXX lines and my great credit score My last contact with the loan XXXX was XX/XX/year>. Movement Mortgage 's handling of my file constitutes mortgage lender malpractice, negligence, and deceptive practices under consumer financial protection laws. I am demanding a formal corporate investigation into this file and an immediate correction of the credit damage caused by their delays. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
The insurance company is XXXX XXXX, this was XXXX of 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 2026-05-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I have funds on PayPal that are being held illegally especially when my account is disabled without a provided reason

Company response to consumer: Closed with explanation