vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Spring Oaks Capital, LLC
State: IA

Complaint narrative:
It states I owe Spring oaks capital llc {$5900.00}. I called to inform them the debt was not mine, but they accused me of owing it. When I was consistently refusing to agree with them they used obscene language. It states I owe XXXX XXXX {$3500.00}. I called them about the debt and they rudely told me they will leave it on my credit report because they know it was mine, then they hung up. It states I owe The XXXX XXXX XXXX {$930.00}. I called to consult with them about the debt and the person got rude with me over the phone and hung up. It's too many discrepancies to list them all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I have been on loan modification since XXXX of XXXX. They have requested documents several times and still had not processed a loan modification on my account. As of XX/XX/XXXX, I requested a payoff of this account. The payoff is still not done and everytime I call them, they dont have an answer and theres no one there in the commercial department for me to speak XXXX. This account has accrued daily interest and their lack of response for the loan modification as well as the payoff has costed me money daily.

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: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have no knowledge of this debt. I have attempted to see what this was about and was told that there was some sort of scam and I was alerted by mail that my information XXXX have been stolen via dark web. Now the bank says I owe {$500.00}.

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 2026-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC
State: CA

Complaint narrative:
This is a formal follow-up to my prior communication. I am demanding a full explanation of what occurred, why it occurred, and who authorized the retention or reporting of any data connected to my name. Your failure to provide a transparent account of your actions is unacceptable and directly conflicts with your legal obligations. Let me be absolutely clear : I am demanding immediate deletion of any and all data, records, or reported information that can not be verified with complete, physical, legally compliant proof. Every data point must be 100 % accurate, fully validated, and lawfully obtainednot assumed, not estimated, and not based on incomplete internal records. You have no consent to retain or report information that violates federal or state law. Your continued non-compliance constitutes a breach of your responsibilities under applicable 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: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am demanding the IMMEDIATE DELETION of the account reported by Midland Credit Management ( Account # ending in XXXX ). This account is riddled with systemic reporting inaccuracies that violate the Fair Credit Reporting Act ( FCRA ). Specifically, the account status is reported as 'Open ' on XXXX XXXX XXXX XXXX but 'Closed ' on XXXX. Furthermore, the 'Last Active ' date of XXXX on Equifax XXXX the XXXX date on Experian. As a debt buyer, XXXX has failed to provide a complete chain of title or the original signed contract establishing a legal relationship with me. Reporting conflicting and unverified data is a willful violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC
State: IL

Complaint narrative:
In order to sell my home the buyers must assume the remaining balance of my solar panels. GoodLeap does not have a phone number to use for this process and only an email. The problem is that they are unresponsive. It has been over a week and the buyers have yet to receive a legitimate response or the required application they need to fill out to get the loan switched to them. Due to not being able to speak to anyone I will be losing out on a buyer for my home which has taken my house off the market for a month and delayed the process of buying my new home. Every time I call the customer service line they tell me they can not help me and I must email the same email that has been sent many times with XXXX response. We initially received an incorrect statement saying my loan does not qualify for the assumption but this is incorrect.

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: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Look into the XXXX XXXX and XXXX XXXX charges on my account, their continuing to bill my account without my consent or notice, and don't know why the credit card company keeps billing me for charges that I didn't authorize.

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 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
Dear Portfolio Recovery Associates , LLC This letter is being sent to you in response to your recent communication regarding the alleged debt referenced above. I am formally requesting validation of this debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Be advised that this is not a refusal to pay, but a request that you provide proper verification as required by federal law. Specifically, I request the following documentation : 1. Proof that you are legally authorized to collect this debt, including any documentation showing assignment or ownership of the account. 2. A full itemized statement of the alleged debt, including principal, interest, fees, and payments made ( if any ). 3. A copy of the original signed agreement or contract that created the obligation. 4. The name and address of the original creditor, and any evidence showing how the amount claimed was calculated. 5. Proof that this debt is within the statute of limitations for collection in my state. Until this information is provided, you must : - Cease all collection efforts, including phone calls and written communication. - Refrain from reporting, or must remove, any related information from my credit reports with XXXX, XXXX, and XXXX, as unverified debts can not be lawfully reported. If you fail to validate this debt and continue collection efforts, you will be in violation of the FDCPAand subject to civil liability. Please provide all requested documentation in writing to the address listed above. Thank you for your cooperation.

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: National Credit Systems,Inc.
State: FL

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: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
A loan was taken out with XXXX mortgage and was canceled on XX/XX/year>. XXXX failed to cancel and transferred loan to ShellPoint Mortgage not disclosing the full nature. ShellPoint took over the loan. I contacted them to let them know that this loan should have been canceled. All documents was sent to ShellPoint verifying cancelation. ShellPoint said they would investigate and call me. Till this day no one from ShellPoint has called me to correct the situation. They have sent me threatening correspondence with no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hello, my partner passed away in XX/XX/XXXX. In XX/XX/XXXX I received administration rights for his estate. I contacted American Express ( Card under XXXX XXXX - last digits of his AX card XXXX ) to close his credit card, paid its balance in order to make sure all his affairs were taken care of all by XX/XX/XXXX. I also called American Express to make sure to close the account and they passed me by different areas none of which helped to close to the account. Months later I keep receiving a bill for XXXX XXXX for " interest '' and they have not closed the account still. When I call, customer service can't direct me anywhere to provide an answer. On XX/XX/XXXX I sent a letter to American Express asking for a letter addressing the cancellation of this account for XXXX XXXX - last digits of his AX card XXXX. This was the XXXX of XXXX letters I sent them thru certified mail. I will attach to this complaint the letters I sent asking this credit card company to provide written verification by mail that this account for my deceased partner is closed which they have failed to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Hunt & Henriques
State: CA

Complaint narrative:
When being contacted by the company, they are acting as if they are lawyers, and they will threaten me that I will be sent to court and get sued for the amount. They also will not justify the amount and breakdown the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: VA

Complaint narrative:
I do not owe this debit, as the matter has already been resolved directly with the company. Please update your records accordingly and confirm that no further action is required on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA
State: FL

Complaint narrative:
b'This letter is to inform you that I submitted complaints to all credit bureaus on XXXX XXXX XXXX, about account XXXXXXXX XXXX XXXX acct.XXXX) XXXX XXXX(XXXX XXXX XXXX XXXX) XXXXXXXX XXXX XXXXXXXX XXXX acct.XXXX) XXXX XXXXXXXX I have not yet received a resolution. I am requesting an immediate DELETION'

Company response to consumer: Untimely response
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am filing this complaint regarding fraudulent activity on my Bank of America checking account ending in XXXX. My XXXX, XXXX XXXX, fraudulently added himself to the account without my knowledge or permission. He then facilitated the withdrawal or transfer of my entire life savings of {$44000.00} via an improper setoff. When I contacted Bank of America, they claimed the funds were used for a " charge-off '' related to a business auto loan associated solely with XXXX XXXX . However, this money belonged exclusively to me and was not connected to any other person 's debts. I have no liability, co-signature, personal guarantee, or involvement with this business auto loan. This setoff was improper as it lacks mutuality, the debt is not mine, and Bank of America can not lawfully apply my personal funds to satisfy XXXX XXXX XXXX separate business obligation. Bank of America failed to prevent this unauthorized access and improper setoff and has not yet returned the funds despite my demands. This violates consumer protection laws, including the Electronic Fund Transfer Act ( EFTA ) and Regulation E, as well as common law principles of mutuality for setoffs. I request that the CFPB investigate Bank of America for negligence in account security, improper setoff practices, and compel them to reimburse the full {$44000.00} immediately, along with providing a full investigation report. Supporting details : Account Number : XXXX Date of Incident : XX/XX/2026 Amount : {$44000.00} Bank Contact : I spoke with the customer service department and charge-off accounts department on XX/XX/2026, who provided the charge-off explanation but no resolution. I have attached bank statements, an updated affidavit, a copy of my updated dispute letter to Bank of America, and identification. Please expedite this matter as I am experiencing significant financial hardship.

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: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have a frustrating history with this Bank and looks like this bank want to robb my money, this bank just want to stole my funds, on responses received on complaints the bank said on XXXX XXXX XXXX ( years ago ) is sended the check of but they dont offer any proof of that because is not avaliable any tracking number or any other evidence of that, already request the cancellation of this supposed check and a reissue a new check because obviously the time passed is more of the validity of a check and they said is need to go through a branch office but already go on XXXX times recently and the bankers not help with anything because they don't have any idea what they are doing and this bank refuse to reissue my funds for that and request to go again to your offices but is impossible to me because I have XXXX and have suffered a XXXX caused for a XXXX XXXX XXXX so definitely need attention on this situation for solve the problem because is my Money and need pay medical bills!, I will contact local news for post this history for attract your attention because never received a solution from your side, I am XXXX XXXX XXXX and have broken at this time so obviously need my money because need to pay bills, I need a real human with comprehensive attention!!!

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 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Tried to cash a payroll check third party XX/XX/XXXX, for some reason the account was closed and that process began XX/XX/XXXX. All parties involved had a meeting with the bank XXXX at Bank of America XXXX XXXX XXXX XXXX XXXX Mo to resolve the matter, its been XXXX days and we still havent received the funds. Nothing has been returned to either party, and still no answers

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 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
Did a dispute for some transactions on XX/XX/XXXX for XXXX in transactions I didnt make. My phone was stolen and they still denied my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
I am filing a complaint against Absolute Resolutions Investments , LLC for inaccurate credit reporting and failure to properly validate an alleged debt of {$2200.00} Absolute Resolutions Investments is reporting a collection account on my credit report that I previously disputed through the credit reporting agencies using Credit Karma. Despite my dispute, the account was verified without Absolute Resolutions Investments providing proper validation of the debt. I have not received documentation proving that Absolute Resolutions Investments has legal ownership of this debt, nor have I received an original contract, complete payment history, or itemized accounting supporting the amount being reported. Verifying and continuing to report a disputed debt without proper validation violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: PA

Complaint narrative:
On XX/XX/year>, I sent a written request for validation of an alleged debt to Halsted Financial Services. In that letter, I requested documentation proving that I am legally responsible for the alleged account, including documentation bearing my signature. The company has not provided the requested validation. Instead of responding to my validation request, the company continues sending collection emails to my email address. In reviewing these communications, I noticed serious inaccuracies. XXXX email is addressed to my correct name, while another email sent to the same address is addressed to a completely different individual named XXXX. This indicates that the company may be mixing consumer identities or attempting to collect debts that do not belong to me. Because of these inconsistencies and the companys failure to provide validation of the alleged debt, I dispute the account entirely. I am requesting that the company : Provide proper validation of the alleged debt Cease collection communications until the debt is properly verified Correct or delete any inaccurate information associated with my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
When being contacted by the company, they are acting as if they are XXXX, and they will threaten me that I will be sent to court and get sued for the amount. They also will not justify the amount and breakdown the amount owed.

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 — Company closed your account
Company: FinCo Services Inc DBA Current
State: AL

Complaint narrative:
account was closed without prior warning or explanation. I had {$2000.00} in my account at the time of closure, which came from my IRS tax refund direct deposit. I was using my account normally and did not commit fraud. I received an email from the XXXX XXXX team stating that my funds would not be released, but I dispute this decision. Date of account closure : XX/XX/year> ( no prior notice ) Amount withheld : {$2000.00} I was not given an opportunity to withdraw my funds before the account was closed. I am requesting a full investigation and the release of my remaining account balance. I am asking for help because this money is my legitimate personal funds and is needed for living expenses. Please contact me with any updates regarding this complaint.

Company response to consumer: Closed with explanation