vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am a documented victim of identity theft and previously submitted an FTC Identity Theft Report along with proof of identity and proof of address identifying fraudulent accounts and compromised identifiers associated with the theft of my identity. One of the accounts tied to this identity theft is an XXXX XXXX Bank account that is now being reported as a collection account by LVNV Funding LLC and serviced by Resurgent Capital Services. The account currently appearing on my XXXX credit report is reported by LVNV Funding LLC with a balance of approximately {$260.00} and an account ending in XXXX. I never applied for, opened, authorized, or used any account with XXXX XXXX Bank, LVNV Funding LLC, or Resurgent Capital Services. This account is the direct result of identity theft. I previously disputed this account with XXXX under the identity theft provisions of the Fair Credit Reporting Act and provided my FTC Identity Theft Report. After receiving my identity theft documentation, XXXX removed the account from my credit report. Despite that removal, the account has now reappeared on my XXXX credit report again. Under the Fair Credit Reporting Act, once a consumer reporting agency receives a valid identity theft report, it must block the reporting of information that results from identity theft within four business days and prevent that information from being reported again. TransUnion had already removed this account following my identity theft dispute, which confirms they were aware the account was fraudulent. LVNV Funding LLC and its servicer Resurgent Capital Services have also been placed on direct notice of my identity theft through prior disputes and FTC identity theft reports involving other accounts they service. Those FTC reports identify the fraudulent address and the XXXX account associated with the identity theft. Despite having this information, LVNV Funding continues to furnish the account to TransUnion as if it belongs to me. Because of this conduct, XXXX is continuing to publish identity theft information that was already removed from my credit report, and LVNV Funding continues to furnish information they have reason to know resulted from identity theft. This reinsertion and continued reporting is causing ongoing harm to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I got a report on XXXX XXXX the a late payment was reported on XX/XX/XXXX on a credit card capital one bank, so I checked XXXX XXXX and saw the 3 credit cards were open in my name capital one bank open on XX/XX/XXXX and XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX capital one bank card has {$1100.00} balance and XXXX has a {$250.00} balance I did not open any credit card ever

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: LA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I purchased two vehicles from XXXX XXXX after spending nearly four hours at the dealership working through the sales process. Only after investing that amount of time and moving toward finalizing the purchase was I informed that I was REQUIRED to purchase an additional {$5000.00} dealer package in order to complete the transaction. This package was not presented upfront and was communicated as a condition of sale rather than an optional product. At that stage of the process, after several hours at the dealership, I felt completely cornered into accepting something I never asked for simply to finish the purchase. For clarity, my sales representative XXXX was professional and respectful throughout the process. The situation changed once the General Manager XXXX became involved. The interaction was dismissive and unprofessional, and it turned what should have been an exciting purchase into a very uncomfortable experience. Consumers should be extremely cautious and confirm all dealer add-ons before beginning the purchasing process. Introducing mandatory packages late in the transaction after customers have invested hours at the dealership creates a pressured environment that undermines transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America never sent me correct information regarding my debt. It was then sold to a private collections agency. It has tarnished my credit report and the debt is not accurate.

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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: LA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hi, I received an email on XX/XX/XXXX for my slate card from Chase saying that 0 % introductory on my card and 0 % on transfers. I then called on Friday the XXXX of XXXX to confirm because I wanted to transfer a higher percentage card but ii was told the email was sent in error. A few hours after the phone call I received a second email from Chase saying it was an error but then explained that they would honor the 0 % for me from XX/XX/XXXX through XX/XX/XXXX as a courtesy. To confirm I called back again explains that it just received an email after calling them the same day on the XXXX same that I would have the 0 % as a courtesy that they said that was also must be sent in error. They asked me to call back in a day or so to see maybe the email was not updated in their system I called on Monday the XXXX and asked again if the information was correct I didn't want to apply for the 0 % promotion on transfers ifit was incorrect and once again they said the email was an error but because it came from Chase and they didn't deny it was sent from them. Being the email having a particular date to the XXXX it was very confusing whether I do or not in chase system have promotion, because on the email confirmed from Chase representative it is telling me I should have courtesy promotion. Since the email confirmed this twice, if I had acted on it right away then this would have been a very complicated thing but the confusion doesn't allow me to leave this alone this should be looked at to make sure nothing nefarious is happening and for people to know to be careful to read and call. I wish they would honor the courtesy to me one time 0 % promotion since the confusion and the inconvenience it has cost me. Maybe AI is used?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: NC

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 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 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My bank denied reimbursement for unauthorized online transactions by incorrectly asserting that use of a recognized device equals authorization. I am requesting reimbursement for these unauthorized electronic fund transfers under Regulation E and a full manual review of my claim. My account and card information were compromised, allowing a third party to add my card online and make purchases without my knowledge or consent. I did not authorize or benefit from these transactions. I requested claim XXXX for XXXX I requested claim XXXX for XXXX I requested claim XXXX for XXXX I requested claim XXXX for XXXX That was poorly denied but written me due to electronic activity it was denied when my card was STOLEN AND CHARGED MULTIPLE TIMES

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: LA

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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: MO

Complaint narrative:
I refinanced my student loans last month. I reached out around XXXX XXXX XXXX to verify if the payment had been received and if they would be issuing a refund. I was told they hadnt received the payment yet, but they will send a check. In that conversation, I confirmed my address with them and they told me thats where the check would be mailed. Around XX/XX/XXXX I reached out again to verify the payment had been received, since my loans were showing as paid off and had a negative credit balance. I was told that they were received and a refund would be issued within 10 business days and I confirmed it would be going to my current address again ( this was a separate representative, not the same one ). Everything seemed to be going fine, but I didnt receive the check within the timeframe, so I reached out around the end of XXXX or the first week of XXXX to verify where the check was and I was told it was sent to the address I hadnt lived in for 4 years. My address was updated on my profile and I have been receiving mail from Sallie Mae at my updated address since I have moved, so Im not sure how they sent it to the wrong address after confirming it twice with 2 representatives. The 3rd representative put a stop pay on the check and I told them I would call in to get a resolution. I talked with XXXX in the escalations department two times and he told me I could have an ACH approved and sent to me within 3-5 business days. That never came because yesterday, XX/XX/XXXX was the 5th business day. I chatted in again to find out today, XX/XX/XXXX, that they never sent the ACH and they reissued the checks to my updated address with a 10 business day timeline.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Validation of Debt Request - I.C. SYSTEM INC/CHARTER COMMUNICATIONS- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX 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 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 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX was victim to XXXX fraudulent international wires preformed without us setting these wires up nor did we authorize. XXXX ) {$130000.00} XXXX ) {$130000.00} XXXX ) {$130000.00} All XXXX wires were sent to banks located in XXXX. We have never sent wires to XXXX. Once we realized that we were victims of fraudulent activity we immediately initiated recalls on these wires and notified HSBC. The first wire in the amount of XXXX was returned to us but the other XXXX wires totaling {>= $1,000,000} We have been trying since XX/XX/XXXX to get both resolve and information from HSBC which has been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc.
State: IL

Complaint narrative:
I have been receiving bills for a Montgomery Ward credit card that I never applied for. When I first received this bill, I tried to call the company and no one answered. There was no automated answering service. There was no way to speak with anyone. I called a few months later and was able to speak to someone and tell them that this was not my credit card, and I needed to know what was purchased and when since it is not on the bill. They only asked me if I wanted to make a payment. I did not. I received another bill in the mail yesterday. This bill has shown up on my credit report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC
State: TN

Complaint narrative:
I contacted RentDebt Automated Collections regarding this account. Their representative confirmed they do not have documentation from the XXXX XXXX XXXX XXXX XXXX showing that rental assistance was denied or that my application was incomplete. I previously provided emails and a case number confirming that I applied for rental assistance. Because the company can not verify whether rental assistance should have been applied to this balance, the amount being reported is inaccurate. I request documentation directly from the XXXX XXXX XXXX confirming the status of the application and verification that the reported balance is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Complaint Against Current Failure to Reimburse Unauthorized Transactions To Whom It May Concern, I am submitting this complaint regarding my banking account with Current. I am requesting assistance because the bank has refused to reimburse {$2200.00} that was taken from my account through transactions that I disputed. On or around XX/XX/year>, unauthorized transactions totaling {$2200.00} were made from my account. As soon as I became aware of the issue, I contacted Current and filed a dispute to report the unauthorized activity. I provided all the information they requested and fully cooperated with their investigation. After reviewing my claim, Current denied my dispute and refused to return the funds to my account. I strongly disagree with their decision because these transactions were not authorized by me. I believe the bank failed to properly investigate my claim and did not provide sufficient explanation or evidence for denying the reimbursement. As a consumer, I rely on my bank to protect my funds and properly investigate fraud claims. Losing {$2200.00} has caused me significant financial hardship, and I feel that my concerns have not been handled fairly. I respectfully request that the Consumer Financial Protection Bureau review this matter and assist in ensuring that Current conducts a proper investigation and reimburses the unauthorized transactions if appropriate. Please let me know if any additional documentation or information is needed regarding this complaint. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am the intended beneficiary of a wire transfer sent through XXXX XXXX Bank by a closing attorney ( XXXX & XXXX ). Wells Fargo confirmed that the wire was received but credited to the wrong Wells Fargo customer account based on the beneficiary details. Wells Fargo opened an investigation under reference XXXX but closed the case stating the unintended beneficiary was unreachable. As the rightful beneficiary of these funds, I am requesting Wells Fargo reopen the wire investigation and pursue recovery of the misapplied funds. The sending bank has confirmed Wells Fargo has the funds and credited them to another account. Wells Fargo has not provided a resolution or recovery plan despite confirmation of the error. These funds represent a real estate commission payment owed to me. I am requesting regulatory assistance to have Wells Fargo reopen the investigation and recover the funds from the unintended recipient.

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