vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX/ XXXXXXXX XXXX for reporting an inaccurate collection account to the credit bureaus without providing proper validation of the debt. 

Account Information in Dispute : Company : XXXXXXXX XXXX Account Number : XXXX Reported Balance : {$1200.00} Date Opened ( as reported ) : XX/XX/XXXX Status : Collection account, {$1200.00} past due as of XX/XX/XXXX Credit Reporting Until : XX/XX/XXXX Reason for Dispute : I have no knowledge of this debt. I have not received any written validation of the debt from XXXX XXXX XXXX despite my rights under the Fair Debt Collection Practices Act ( FDCPA ). They have not provided proof that I owe this amount, documentation of the original creditor, or any signed agreement that validates the debt. 

Steps Taken : I have disputed this account with the XXXX major credit bureaus, but the dispute process has been ineffective. The collection remains on my credit report without verification, damaging my creditworthiness unjustly. 

What I Want : Immediate debt validation from XXXX XXXX, including : Proof I am legally obligated to pay this debt. 

Documentation from the original creditor. 

An itemized account of the debt amount. 

Complete removal of this account from all credit bureaus if validation is not provided. 

Correction of my credit report to reflect accurate information. 

XXXX of all collection activity until the debt is validated. 

I believe this collection violates my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ). I respectfully request that the CFPB investigate and ensure the collector complies with federal law. 

Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
Consumer Financial Protection Bureau XXXX : Unauthorized charge through PayPal and improper auto-renewal by Wix.com Dear CFPB, I am submitting a complaint regarding an unauthorized charge processed through PayPal in XXXX amount of {$840.00} on XX/XX/XXXX, related to a Wix.com Premium Plan renewal, as well as issues with XXXX auto-renewal practices. 

-- - * * Issue XXXX : Unauthorized charge by PayPal using backup funding source * * XXXX. The initial charge attempt on my XXXX XXXX card was explicitly declined by me on XX/XX/XXXX. 
XXXX. Despite my explicit refusal, PayPal processed the charge using a backup funding source ( Bank XXXX XXXX ) without my consent. 
XXXX. In my PayPal account settings, backup payment methods were turned off. 
XXXX. I have not accessed or used the XXXX service for over a year. 

XXXX system allowed this unauthorized charge to go through despite my refusal, which I believe violates proper authorization protocols and my consumer rights. 

XXXX XXXX XXXX XXXX  Issue XXXX : Wix.com auto-renewal and early charge * * XXXX. I previously purchased the XXXX XXXX XXXX on XX/XX/XXXX. I did not expect it to auto-renew this time. 
XXXX. My new subscription period with XXXX is scheduled to start on XX/XX/XXXX, but my account was charged on XX/XX/XXXX, XXXX before the service start date. 
XXXX. Since the new service period had not yet begun, I should have been able to cancel before being charged. 
XXXX. I filed a complaint with XXXX, but they require a XXXX days waiting period to respond. By that time, they could claim the service has already started and refuse a refund, even though I have not used this website for over a year. 
XXXX wix.com has XXXX refund policy, however the XXXX refund policy excludes auto-renewals, giving a false impression that customers can cancel at any time. 

-- - * * Requested actions * * - A full refund of the {$840.00} charged through PayPal by XXXX. 
- Confirmation from PayPal that no future automatic renewal charges will be processed without my explicit consent. 
- Wix should not automatically enable auto-renewal for customers without their explicit consent. 
- wix should add renew is not included when they say the XXXX refund policy. 

-- - * * Supporting documents attached * * - PayPal transaction record showing the {$840.00} charge - Proof of XXXX XXXX charge refusal - Screenshots showing that automatic payments were XXXX on PayPal for XXXX - Documentation of the subscription renewal schedule and service start date -- - Thank you for your attention to this matter. I appreciate CFPBs assistance in protecting my consumer rights and ensuring that PayPal and XXXX comply with proper authorization and billing practices. 

Sincerely, XXXX XXXX XX/XX/XXXX 2026

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY

Complaint narrative:
XXXX withdrew {$2000.00} from my bank account after my account was closed on XX/XX/year>. 

XXXX was turned off in XX/XX/year> and authorization was revoked. 

This withdrawal was made without my consent and is unauthorized. 

XXXX had also blocked my access to my account, preventing me from reviewing billing or resolving any balance. 

I have filed an FCC complaint regarding this issue. 

I am requesting a full refund and that no further debits be attempted.

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 2026-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I am submitting this statement regarding an auto loan that is being reported inaccurately on my credit reports. This auto loan has been fully resolved and paid in full. 

I contacted the auto lender directly and arranged to pay the full remaining balance on the account. That payment was completed, and the lender confirmed that the loan has a XXXX balance and is closed as paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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: NJ

Complaint narrative:
I opened a dispute ( XXXX ) for a transaction where the service was not delivered as advertised. I provided a large amount of evidence and detailed description about what happened. I also spoke to Capital One over the phone to ask for advice on how to proceed, which I followed. Despite all of this, Capital One refused to investigate the matter and immediately closed my dispute without investigation or explanation. The reason given was " We have a limited amount of time to reverse a charge on our customer 's accounts. Unfortunately, that timeframe has expired for this particular charge. If you want to dispute a charge in the future, please let us know within 60 days of receiving the statement that shows the disputed charge. ". This directly contradicts what is written on their website, which states " To file a dispute digitally, you need to file the dispute within 90 days of the transaction date. If 90 days have passed, you can still file a dispute by calling the number on the back of your card. While you may file a dispute at any time, it is not guaranteed you will win your claim. '' This is the second time Capital One failed to investigate my dispute despite extensive evidence given. ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERIS BANCORP
State: GA

Complaint narrative:
I applied for an advance loan with my tax company something I been doing for the last 4 years got approved for XXXX on XX/XX/year> and had it deposit in my Ameris Bank Account I was out buying things I needed for my home on XX/XX/year> around XXXX I swipe my card and kept getting denied I called the bank and was told my acccout was put on hold until they figure out where the XXXX came from I explained to them took the paperwork in the bank now they telling me its not timeframe when I will be able to use my account and I ask for written documents explaining why they said they dont provide written documents and I also ask how was I able to spend {$3000.00} of the money then yall flagged my account I was told they dont know I have phone conversations recorded with these details

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding improper debt collection and inaccurate credit reporting by the company named in this complaint, XXXX. 

The company is reporting an alleged debt to consumer reporting agencies and/or attempting to collect without providing proper validation of the debt. I have disputed this account and requested validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). To date, the company has failed to provide sufficient documentation establishing that I am legally obligated to pay the alleged debt, including proof of ownership and a complete chain of title from the original creditor.

Despite the debt being disputed, the company has continued to report the account to credit bureaus and/or continued collection activity. Reporting an unverified or disputed debt is misleading and constitutes improper collection practices.

Additionally, I have requested that the company cease communication regarding this alleged debt. Any continued communication beyond what is legally permitted would constitute further violations of the FDCPA.

I am requesting that the CFPB require the company to : Immediately cease all collection activity and delete the account from all consumer credit reports if validation can not be produced.

I am also requesting that the CFPB investigate the companys collection and reporting practices for compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I Bought whith my credit card XXXX XXXX they are charging interest because a promotion ended and when I realized it I communicated whit them but they told me they couldn't help me I told them I was not aware of it because they never sent me a bill To my house they say they sent it by email and told them I did not authorize that and it s likely that when opened credit whit XXXX XXXX they set it up the way I want to pay my debt, but not those interest charges they re charging

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Check was sent from my money market account through XXXX, envelope was stolen off of drop off location and cashed by someone Ive never met, by Bank of America. Check date was XX/XX/year>, was cashed same week. Amount of check was {$5000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MS

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Description of Events : On XX/XX/XXXX, I discovered that my Chase Freedom Unlimited credit card account was closed by the issuer. I was made aware of this closure via an email notification. 

At the time of closure, the account balance was {$5100.00}. My account was [ describe status paid on time prior to this action. 

Actions Taken : XX/XX/XXXX : Upon noticing the closure, I reviewed my account details to verify the status. 

XX/XX/XXXX : I contacted Chase customer service to inquire about the specific reason for the closure. The representative provided no specific reason. 

XX/XX/XXXX : I have paid off the remaining balance. 

Impact : This action was taken without prior warning, causing inconvenience and potentially impacting my credit history. 

Desired Resolution : I request a clear written explanation for why the account was closed. If the closure was an error, I request reinstatement of the account. If not, I ask that the account be reported to credit bureaus as " Closed by Consumer '' to minimize damage to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I need to get the money from my account to move into my first house I've had my whole life after getting my XXXX they began XXXX  just took XXXX then the last XXXX I needed to move in the day of they said they'll send me a check they've already blocked it the whole time not allowing me to buy any of the things I wanted to buy XXXX this once in a lifetime opportunity I get XXXX a month to live and they also kept my check for the month and I can not eat everyday. They also made me lose my vehicle the still charged me the XXXX which was not paid to merchant it was kept by the bank along with fictitious claim of XXXX dollars being taken out twice. I have insurance that covers the XXXX  but bank is not being cooperative they just keep trying to steel more from me it made me feel like hurting myself or others bc I lost my house and car XXXX they stole my money the only money I ever had my whole life I still have a chance to get the house so I need u to call them XXXX tell them there's only XXXX dispute left they already took out the money so they have no reason to without my funds except to hurt me XXXX take away from me what they felt I deserved it's insured double insured I need the last XXXX to rent house now please help me asap before I lose it like my car I can't get back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
XXXX  withdrew {$1200.00} for XXXX rent even though rent was already paid directly to the XXXX  XXXX. XXXX  marked the transaction valid, preventing my bank from reversing it. I am requesting immediate refund processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
This debt does not belong to me. I have health insurance that is responsible for covering my medical bills, so it is completely incorrect that they are reporting this account under my personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I am submitting this formal complaint regarding Shellpoint Mortgage Servicing and the conduct of one of your representatives during a recent telephone call.

During this call, your representative stated that I signed mortgage documents providing Shellpoint with thirty ( 30 ) days to issue a payoff statement. This statement is false. I did not sign any such document, and the representative was unable to identify or produce any specific agreement, clause, or paragraph supporting this claim.

Additionally, the representative repeatedly interrupted me, spoke over me, and refused to allow me to explain or correct the inaccurate statements being made. She presented legal conclusions despite not being an attorney and misrepresented both my contractual obligations and applicable law.

For clarity : Federal law under RESPA and Regulation X requires payoff statements to be provided within a reasonable time, generally far less than thirty days.

XXXX XXXX  law requires mortgage servicers to act in good faith and prohibits misrepresentation of loan documents. 
Shellpoint has no authority to invent contractual terms or attribute documents to me that do not exist. 

This is not the first time I have experienced improper conduct or misinformation from Shellpoint Mortgage Servicing, which raises serious concerns about systemic compliance failures. 

I hereby demand the following : An immediate and accurate payoff statement. 

Written identification of the specific document and paragraph Shellpoint claims I signed, if such a document exists. 

Confirmation that this matter has been escalated to your compliance department. 

Preservation of the call recording for this interaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Macys store card, issued by Citibank, implemented a policy to issue a new credit card account number if an existing account holder had an authorized user associated with the account. 

As a result of the account number change, I did not receive the new credit card bill through my automated bill pay service. I used the bill pay service to manage the account payment for many years and never had a late payment until they changed the account number, resulting in me not knowing a payment was due and ultimately Citi reporting a late payment on my credit report. 

I never received notification that my bill payments would change and not be received, only to start using the new card number. 

It is not until I reached out to Citi directly via secure chat to learn why the account number was changed. 

I mailed a written credit report dispute and investigation form to Citi Retail services at XXXX XXXX XXXX XXXX XXXX SD XXXX. To which they replied and stated the data reporting was correct and did not change. I also called and spoke to a representative in XX/XX/year> that took a verbal report from me and said that she would submit to the review department, and I have not received a response nor has my credit report been updated.

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 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
[ XXXX XXXX ] XXXX XXXX XXXX XXXX, Ga XXXX XXXX XX/XX/year> LVNV  Funding XXXX XXXX XXXX XXXX, XXXX, SC XXXX Phone : ( XXXX ) XXXX Subject : Cease and Desist Notice Dear XXXX XXXX I am writing to formally demand that you immediately cease and desist from engaging in the following activities : [ Clearly describe the conduct or actions e.g., using my copyrighted material, making defamatory statements, contacting my clients, etc. ] These actions constitute [ describe the nature of the violation e.g., copyright infringement, defamation, harassment, breach of contract, etc. ] and are causing harm to [ me/my business/my reputation/etc. ]. You are hereby notified that if you do not immediately stop these activities, I will have no choice but to take appropriate legal action to protect my rights and interests. 
I require written confirmation from you within, 10 business days of receiving this letter that you will comply with this demand and refrain from any further wrongful conduct.

Please be advised that this letter serves as an official notice, and no portion of this communication should be construed as a waiver of any rights or remedies available to me. 

Sincerely, [ XXXX XXXX ] XXXX XXXX

Company response to consumer: Closed with non-monetary relief