vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Nelson and Kennard, LLP
State: CA

Complaint narrative:
Its been over XXXX years they keep sending dept collections from a third party it was dismissed every XXXX and XXXX XXXX they keep trying to get money not owed they keep going after my bank account that is shared with other people I dont want them taking money thats not mine the party is Nelson and Kennard they say I owe over XXXX dollars I dont owe this they have been harrasing me for a very long time they have been sent cease and desist letters and they still ignore them. They received XXXXXXXX XXXX XXXX and they are still sending messages and letters trying to collect money that I dont owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Unifin Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am formally notifying you to cease all communication with me regarding any alleged debt. I dispute this debt in its entirety, as I have no account, agreement, or business relationship with your company or any creditor you claim to represent. I am also documenting that I continue to receive repeated phone calls from your company that appear to be deliberately masked or spoofed to resemble calls from my local area and county. This deceptive practice is unacceptable and raises serious concerns of misrepresentation. Be advised of my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. : - Under 1692c ( c ), I have the right to demand that a debt collector cease all communication with me, which I am exercising through this notice. - Under 1692d, you are prohibited from engaging in harassment, including repeated or continuous calls intended to annoy, abuse, or harass. - Under 1692e, you are prohibited from using any false, deceptive, or misleading representations, including disguising or falsifying caller identification information. - I also reserve my rights under the Telephone Consumer Protection Act ( TCPA ), which restricts the use of autodialed or prerecorded calls, especially when used in a misleading or intrusive manner. Accordingly, you are hereby directed to : 1. Immediately cease and desist all calls, texts, emails, and any other communication with me. 2. Stop the use of any spoofed, masked, or misleading phone numbers to contact me. 3. Provide written validation of the alleged debt, including the original creditor and proof of my legal obligation, if you intend to pursue this matter further. If these actions continue, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General in my state. I will also consider pursuing legal remedies for any violations of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I stated that i'm having trouble financially, paying rent and putting food on the table and wanted to look into any other options.And they told me your stated hardship.Reason does not qualify for financial assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: NC

Complaint narrative:
Subject : Dispute denial despite merchant-confirmed fraud I am filing this complaint regarding Capital Ones handling of a billing dispute involving unauthorized changes to a prepaid travel booking and inconsistent denial decisions despite documented evidence. On XX/XX/year>, I was at XXXX XXXX XXXX prepared to travel on a prepaid vacation package purchased through Costco XXXX XXXX A fraudulent caller impersonated me and requested changes to my reservation. Costcos own documentation submitted to Capital One confirms the callers phone number did not match either number on file. No secondary verification utilizing contact numbers on file were completed prior to processing the changes. The changes made travel impossible. Costco acknowledged the fraud and refunded the flight portion of the package. Their internal documentation ( page XXXX of the evidence file ) states : It appears this may have been a fraudulent call and not either of the members. Despite having this documentation, Capital One denied my dispute for the remaining {$5300.00} hotel portion multiple times, citing different reasons across submissions. Capital Ones reliance on hotel cancellation policy as part of its denial does not address the underlying issue, as the charge relates to a prepaid bundled booking that became unusable due to a fraud event already documented in the record. This reasoning also does not reflect the payment structure of the transaction, which was made directly to Costco XXXX as merchant of record for the full package. The final denial cited lack of an official fraud confirmation letter from Costco. However : Costcos own submission already contained written acknowledgment of the fraud ( page XXXX ) Costco declined to provide a separate letter while the dispute was open The requested documentation was therefore both redundant and unobtainable Additionally, Capital One issued a partial credit of {$42.00} on one dispute using the same evidence, while denying the remaining {$5300.00} from the same booking and same fraud event. No explanation has been provided for this inconsistency. Other disputes related to the same fraud event ( with XXXX XXXX ) were resolved in my favor. Resolution Requested : Full credit of {$5300.00} Explanation for inconsistent outcomes using identical evidence Explanation for requiring documentation already present in the record

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management
State: AK

Complaint narrative:
Refer to complaint XXXX I have sent many letters to Plaza Services since XXXX of XXXX. None of the letters has received a response. In a previous complaint, Plaza Services claims its servicing agency or affiliate sent emails and correspondence. These were outright lies. I asked specifically to provide proof, i.e., actual email headers with email timestamps, not some documents generated after the fact and then backdated to perpetrate a lie. I have since sent many more letters in an attempt to resolve this account. Plaza Services either ignores these letters or outright refuses to respond. All communication regarding this account must be in writing, this preference is enforceable by federal law. I have not received any response directly from Plaza Services or any agency claiming to be working for Plaza Services regarding the letters I sent. I monitor my emails and junk folder religiously, any claim of having sent emails is an outright egregious lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Self Financial Inc.
State: IN

Complaint narrative:
The debt I am being charged for was not my doings and I think there is a mistake or I have had my identity stolen and used against me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: CO

Complaint narrative:
I own a XXXX XXXX in XXXX XXXX, XXXX and do not take any XXXX. I do provide XXXX for XXXX to submit to their XXXX for XXXX reimbursement to themselves. After that XXXX submitted their XXXX, for a visit XX/XX/year>. I received a check from XXXX instead of the XXXX. I do not contract with XXXX. I never deposited the check, and this is confirmed with bank statements. I have spoked with XXXX claim collections at least 3 times confirming that the check was never deposited and I am not contracted with XXXX. Today, I received a letter from collections again requesting money from me for a check that they incorrectly sent me and that I never deposited. I left a detailed message for the collection agency but am concerned about the repercussions of them sending this to collections. It is completely unacceptable and I can't seem to make XXXX remedy the situation that they created.

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 2026-04-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: OR

Complaint narrative:
I am submitting a complaint regarding an auto loan account with Santander XXXX USA This account is being reported as a charge-off with a balance of {$32000.00} on my credit report. However, Santander continues to maintain the account as active in their internal system, showing a different balance and recent activity. This creates a clear inconsistency in reporting. Additionally, the vehicle associated with this loan was never successfully repossessed, and I have not received proper validation or documentation supporting the balance being reported. I formally requested debt validation and have not received adequate documentation. I believe this account is being reported inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ). I am requesting : 1. Full validation of the debt 2. Correction or deletion of inaccurate information 3. Explanation of the discrepancy between internal account status and credit reporting If the account can not be properly verified, I request that it be removed from my credit report. I prefer all communication in writing. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am disputing the collection account reported by Credit Collection Services for XXXX XXXX XXXX, account number ending in XXXX, balance {$100.00}. I requested enough information to verify this alleged debt, including a complete payment history, itemized balance, and documentation showing the basis for the amount being reported and the companys authority to collect and furnish it. I did not receive sufficient information to verify the debt. The reporting is also inconsistent across the credit bureaus. XX/XX/XXXXreports this account as CREDIT COLLECTIONS, original creditor XXXX XXXX XXXX, account type Collection Account, status Unpaid, with no payment history available. The same account also appears on the other bureaus with different formatting and reporting language. Because I did not receive adequate validation and the reporting is not fully consistent, this account is unverifiable and should not continue to be reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have been trying to get in contact with XXXX about a fraudulent account that was opened under my name and XXXX is not getting back to me about any of this. I already have a case opened with a detective about this and he is telling me to call XXXX but no one is reaching back to me on this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
I disputed this account with the credit bureaus and it was verified without proper investigation. I also requested validation from the collection agency and did not receive sufficient documentation proving I am legally obligated for this debt. The information being reported is inaccurate and/or unverifiable. I am requesting that this account be properly investigated and removed if it can not be validated with full documentation. Please provide proof of the original contract, full account history, and documentation showing the collector has the legal right to collect this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX NCB Management Services XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX Re : Request for Debt Validation Account Number : [ Insert account number if known ] Dear Sir or Madam, I am writing in response to your communication regarding the above-referenced account. Under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this alleged debt. Please provide the following information : 1. The amount of the alleged debt, including any fees, interest, or charges 2. The name and address of the original creditor 3. Documentation showing that I agreed to or am legally obligated to pay this debt 4. Proof that your agency is authorized to collect on this debt 5. Verification that the debt is within the applicable statute of limitations Until you provide proper validation of this debt, I request that you cease all collection activities and communication with me regarding this matter. If you are unable to provide the requested validation, please confirm that this account has been closed and removed from my credit records. I prefer to be contacted in writing at the address listed above. Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/year> I received a promotion offer from capital one shopping. The offer was for {$440.00} cash back when I signed up for XXXX home internet. I checked out and capital one shopping recognized my transaction. However instead of the {$440.00} promoted in the email I clicked I only received {$40.00} cash back from capital one shopping. I have sent multiple emails back and forth with capital one shopping only to be sent in circles and asking to provide additional proof of purchase. I have sent the requested information to the representative every time with the correct information. I have proof of everything needed. The representative let me know that she can not help me without a reason as to why I did not or can not receive the cash amount promoted by their company. I signed up for the service based on the cash back amount. I feel it is extremely fraudulent to reel me in with a promotional offer and then not provide it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I made the payment on time, yet these entries inaccurately reflect my payment history. I demand immediate correction and will not accept any false reporting that harms my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b governing the permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or any lawful authorization. I did not provide written instructions permitting the collection, use, or disclosure of this information. This conduct constitutes a clear violation of federal law, and I have formally disputed the items in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
This is a fraudulent debt. I have never had an account with XXXX XXXX. This was placed on my credit report in XXXX, XXXX. But, I didnt know until XXXX, XXXX. This debt does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
1. What Happened Toyota Financials website presented three payment options : regular monthly payment, payoff amount or another amount. I selected another amount which was {$560.00} ( rounded up from regular monthly payment amount of XXXX ) and paid in good faith. Unknown at the time, the payment was my last XXXX of XXXX payments, and the only viable option was payoff amount. The system provided the same options as the last XXXX payments. So i made what i thought was a routine payment and it was accepted without a warning that it would be insufficient, and the remaining balance was later reported as a late payment. 2. Why the Late Payment Is Disputable This late payment is disputable for three main reasons : The payment interface was ambiguous and misleading. There was no clear disclosure that the final payment differed from the regular amount. The payment was made in good faith using Toyota Financials own system. I have never been over XXXX days late for my first XXXX payments. Poor design of the online payment portal is only reason i didn't make Payoff amount ( which is always an option.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Today XX/XX/XXXX I received a text from what looked like and I thought to be my bank asking if I initiated a XXXX transfer. I replied no. I received a call. Again the representative appeared as a Bank of America employee. He was professional in manner offering an employee ID number and declared he was with Bank of America fraud detection department. He had information that I never share. He continued to put me on hold saying he was resolving the fraudulent charge. He came back stating someone tried to make another charge and put me on hold again. Eventually we were disconnected I am now missing XXXX dollars. I am chronically ill and this is all of the money we have. We called BofA and when we heard the wait time was XXXX minutes we jumped in the car heading to the bank ; while on a XXXX minute hold we heard a message saying they will never call usand basically what seemed to be our exact situation. So as we rushed to Bank of America thinking we were disconnected initially upon arrival told its fraud and were told it can take 10-45 days to investigate. We have urgent medical needs. There are no credit cards available or help. We are a veteran and first responder family. We are desperate. We filed a police report.

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 2026-04-14 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: GA

Complaint narrative:
Upon previous complaint this company agreed to cease all communication during an investigation but failed to remove the negative reporting account from my credit profile. Legally you can not park debt on my credit profile that is not verified and accurate nor during an investigation. Please remove this negative reporting account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: FL

Complaint narrative:
I am disputing the collection account reported by Midland Credit Management for XXXX XXXX XXXX, account number ending in XXXX, balance {$5100.00}. I requested enough information to verify this alleged debt, including the complete payment history, itemized balance, proof of assignment or ownership, and the original credit agreement. I did not receive sufficient information to verify the debt. The reporting is inconsistent across the bureaus. XXXX reports this account as a XXXX XXXX collection account with a {$5100.00} past due amount. XXXX reports it as an XXXX account with no payment history available and comments stating Placed for collection. XXXX reports it as an XXXX Account with a {$5100.00} past due amount and collection markers. Because Midland has not provided enough information to verify the debt and the reporting is inconsistent, the account is unverifiable and should not continue to be reported. I also request that all future communications regarding this matter be in writing only.

Company response to consumer: Closed with explanation