vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am filing this complaint because a collection account reported by CREDIT COLL for {$350.00} ( Account # XXXX ) appeared on my credit report, and I have no idea what this debt is. I never received any written notice, validation letter, billing statement, or initial communication from this company before it was placed on my credit report. I was never informed of the alleged original creditor, the nature of the debt, or my rights to dispute it prior to credit reporting. 
I have done my due diligence. A furnisher identifying itself only as CREDIT COLL does not provide meaningful identification, and it is not my responsibility to guess who this company is, what they are collecting for, or whether they even have authority to report this debt. Reporting a collection without first providing legally required notice and validation prevents me from exercising my consumer rights and renders the account inherently unverifiable. 
Despite multiple requests for validation, I have still not received proper documentation. Instead, the collection continues to be reported, causing ongoing harm to my credit profile. This is not a clerical error it is a failure to comply with federal law. 
Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must provide a written validation notice containing the amount of the debt, the name of the creditor, and notice of my right to dispute the debt within five ( 5 ) days of the initial communication. Reporting a collection to a credit bureau is a collection activity. Continuing to report a debt without providing validation violates the FDCPA and exposes the collector to statutory damages of up to {$1000.00} per violation, even when the alleged debt itself is only a few XXXX dollars. 
In addition, by furnishing this collection without proper identification or validation, CREDIT COLL and the credit reporting agencies have violated the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX accuracy standards, which require that information be complete, accurate, and verifiable. A collection account that can not be validated can not lawfully remain on a consumers credit report. 
To lawfully continue reporting or collecting this account, CREDIT COLL must provide : The full legal name of the company reporting this debt and proof it has authority to collect The name of the original creditor and documentation showing how the debt was transferred or assigned A complete itemization of the {$350.00}, including dates, fees, and calculations The date of first delinquency and proof the reporting timeline is accurate A copy of the contract, agreement, or account statement bearing my responsibility Proof that a proper written validation notice was sent to me, including the date and address used None of this has been provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ARVEST BANK GROUP, INC.
State: MO

Complaint narrative:
This matter began in early XXXX when a {$9000.00} check was misdelivered by a courier company. The courier acknowledged the error and proposed non cash compensation in the form of XXXX gift cards, directing me to work with XXXX. XXXX failed to resolve the matter, and I rejected non cash compensation and requested cash resolution instead. 

Beginning XX/XX/year>, I was contacted by an individual holding himself out as a senior executive of Arvest Bank. This individual made banking specific representations regarding deposits and wire transfers and stated that funds would be provided. I was instructed to appear in person at an Arvest Bank corporate location in XXXX XXXX Missouri to sign for and receive the funds. 

During XXXX and XX/XX/year>, I appeared twice at the designated Arvest Bank location for scheduled meetings. On both occasions, no bank representative appeared, and no explanation, warning, or corrective communication was provided. Communications continued until XX/XX/year>, when they ceased without resolution. 

I relied on these representations in good faith and took actions based on the expectation that the promised funds would be provided. As a result of the funds not being handled or disbursed as represented, I suffered significant consumer harm, including loss of housing, credit damage, utility disruption, and documented medical decline. 

I attempted multiple times to obtain clarification and resolution, including requesting confirmation of the status of the funds, identification of authorized personnel, and an explanation for the failed meetings. The matter was never resolved.

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 2026-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE
State: FL

Complaint narrative:
on XX/XX/year> A check was sent from XXXX XXXX for {$6700.00}. This was for cancellation of services, the check was delivered via ups on XX/XX/XXXX that same, Huntington national bank lost the check, has been largely uncooperative, hanging up on me and not crediting my account for what THEY LOST, they have no clue where the check is, while i have receipts showing they've gotten it, check number, the amount everything. they are located s : XXXX XXXX XXXX XXXX, XXXX, OH XXXX, the check was sent to XXXX XXXX XXXX, XXXX OH, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am filing this complaint because Portfolio Recovery Associates is reporting the same alleged collection debt of {$730.00} on my credit reports using multiple different account numbers and variations of its name, creating inaccurate, duplicative, and misleading reporting. 
Specifically, Portfolio Recovery is reporting : PORTFOLIO CREDI Account # XXXX {$730.00} PORTFOLIO CREDI Account # XXXX ( alternate format ) {$730.00} PORTFOLIO RC Account # XXXX {$730.00} XXXX versions of this alleged debt are being reported to XXXX with different account numbers, while different account numbers are being reported to XXXX and XXXX. This is a clear violation of the Fair Credit Reporting Act and XXXX XXXX standards, which require consistent, accurate, and non-duplicative reporting. XXXX alleged debt can not legally be reported as multiple tradelines or under multiple account numbers across or within credit bureaus. 
In addition to the inconsistent reporting, I never received any written notice of this alleged debt. I was never sent a validation letter, billing statement, notice of assignment, or any written communication identifying the original creditor, the nature of the debt, or my rights to dispute it before it was placed on my credit reports. I have no idea what this {$730.00} is even for. 
Portfolio Recovery is a debt buyer, meaning it must be able to prove ownership, chain of assignment, and accuracy. Despite my disputes and repeated requests for validation, no documentation has been provided. Reporting the same alleged debt under XXXX different account numbers while failing to provide written notice or validation is not an error it is willful noncompliance. 
Under the Fair Debt Collection Practices Act ( FDCPA ), failing to provide proper notice and continuing collection activity ( including credit reporting ) without validation exposes the collector to statutory damages of up to {$1000.00} per violation. Here, there are multiple violations : Reporting the same debt under multiple account numbers Reporting inconsistently across credit bureaus Failing to provide required written notice Continuing to report without validation Portfolio Recovery also has a well-documented history of consumer lawsuits, regulatory actions, and findings related to inaccurate reporting, robo-signed affidavits, and improper collection practices. This conduct fits that pattern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
b'Dear CFPB,\n\nI am submitting a complaint regarding charges that appeared on my account between XXXX XXXX and XXXX XXXX. I understand that some earlier charges from XXXX XXXX are outside the XXXX-month timeframe for CFPB assistance, so this complaint focuses only on the recent transactions.\n\nXXXXXXXX has already refunded the charges for XXXX XXXX XXXX XXXX XXXX  The remaining disputed charges from XXXX XXXX XXXX XXXX XXXX were not refunded and need to be addressed by my bank.\n\nI am attaching the email from XXXX as proof of the refunds and that these charges were unauthorized. The disputed charges are detailed in the attached statements, with all relevant transactions highlighted.\n\nThe issues with these charges are as follows:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnI have attached supporting documents, including account statements and any correspondence related to these charges.\n\nI respectfully request that CFPB review these recent charges and assist in resolving the dispute.\n\nThank you for your attention.\n\nSincerely,XXXX XXXX XXXXEmail: XXXXPhone: XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
This complaint concerns Navy Federal Credit Unions handling of my fraud claim and the resulting procedural delays and account restrictions.

I was the victim of a mobile check fraud scheme. Fraudulent checks were deposited into my account and appeared approved through Navy Federals system. Relying on that approval, I transferred funds from my savings to checking and then to XXXX XXXX. The checks were later reversed, resulting in approximately {$1000.00} being withdrawn from my account, and I lost an additional {$3000.00} transferred under deception. I did not benefit from these funds. 

Since reporting this fraud, I have attempted multiple times to resolve the matter through Navy Federals appeals and review process. I was initially instructed to submit an appeal, then told to submit it again and wait XXXX days, and most recently informed that I must wait XXXX months before submitting another appeal. At the same time, Navy Federal has restricted my mobile deposit access and has refused to meaningfully review or reconsider this restriction, despite repeated explanations and documentation.

I have contacted Navy Federal through phone calls, emails, and at least XXXX secure eMessages. Each time, I am redirected without resolution. This circular process has created significant stress and financial hardship, particularly as I am a student and rely on access to basic banking services. 

I am not disputing a purchase or service. I am requesting a fair Regulation E review that considers fraud-induced authorization, the role of system approval, and the ongoing account restrictions imposed despite my prompt reporting and cooperation.

I am requesting that Navy Federal conduct a full and fair review of my claim, reconsider reimbursement and account restrictions, and provide clear, consistent guidance rather than repeated delays.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: NATIONAL DEBT RELIEF LLC
State: FL

Complaint narrative:
I am submitting this complaint as a follow-up because National Debt Reliefs prior response did not resolve the issue or provide restitution.

National Debt Relief charged me fees before providing a completed, valid settlement agreement in accordance with the Telemarketing Sales Rule ( 16 CFR Part 310 ). These fees were deducted while negotiations were incomplete, unclear, or misrepresented.

I am formally requesting a full refund of all fees charged. To date, National Debt Relief has not returned my funds and has not provided documentation demonstrating that the fees were earned in compliance with federal law. I am disputing the entire fee amount.

I am requesting that this matter be resolved with a full refund no later than XX/XX/year>. 

If this issue is not resolved by that date, I intend to escalate the matter to additional oversight bodies, including my State Attorney Generals Office, the Better Business Bureau, and other applicable regulatory agencies. 

Any communication regarding this matter should be made in writing via email only. I am requesting that National Debt Relief contact me at XXXX so there is a clear and documented record of all correspondence related to this dispute. 

I am requesting that CFPB note that the companys prior response was inadequate and failed to remedy consumer harm. I am seeking full restitution, written confirmation of account closure, and correction of any inaccurate or misleading account reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TN

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-01-02 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I keep receiving treating text and emails everyday that the are selling my information to a third party I have quested no contact. I keep receiving and I am terrified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I am filing this complaint because SW CRDT SYS reported a collection account on my credit report for {$1600.00}, and I have no idea what this alleged debt is. I never received any written notice, validation letter, billing statement, or initial communication from this company before the collection was placed on my credit report. I was never informed of the original creditor, the nature of the debt, or my right to dispute it prior to credit reporting. 
I have done my due diligence. Southwest Credit Systems is a third-party debt collector, and reporting to a credit bureau is a collection activity. By reporting this account without first providing the legally required validation notice, SW CRDT SYS deprived me of my consumer rights and made it impossible for me to meaningfully identify or dispute the alleged debt. 
Despite my disputes and repeated requests for validation, no documentation has been produced. There has been no proof of ownership or authority to collect, no itemization of the {$1600.00} balance, no account history, and no evidence that proper notice was ever sent. Instead, the collection continues to be reported, causing ongoing harm to my credit profile. 
Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must provide a written validation notice within five ( 5 ) days of the initial communication. Reporting and continuing to report a debt without providing validation violates the FDCPA and exposes the collector to statutory damages of up to {$1000.00} per violation, regardless of the balance amount.

In addition, by furnishing this collection without proper identification or validation, SW CRDT SYS and the credit reporting agencies have violated the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards, which require information to be accurate, complete, and verifiable. A collection account that can not be validated can not lawfully remain on a consumers credit report.

I requested that SW CRDT SYS provide full validation and proof of notice for Account # XXXX, to lawfully continue reporting or collecting this account, SW CRDT SYS must provide : The full legal identity of the company and proof it has authority to collect The name of the original creditor and documentation showing assignment or placement A complete itemization of the {$1600.00} balance, including dates, fees, and calculations The date of first delinquency and proof the reporting timeline is accurate A copy of the contract, agreement, or account statements bearing my responsibility Proof that a proper written validation notice was sent, including the date and address used None of this has been provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX, I ordered a pair of ski gloves at the web site : XXXX XXXX XXXX and used PayPal to pay for this. The total for the transaction was {$61.00}. I printed the onscreen receipt to a PDF and looked for confirmation in email. What immediately showed up was mail from PayPal saying " You authorized XXXX JPY to XXXX '' - which amounted to to {$1000.00} USD. I got no confirming email from the alleged company selling the gloves. 

I immediately called PayPal and spoke to someone about this and he told me they could do nothing until the transaction went through. I asked this person if I could attempt to stop the payment through my bank and he said I should try that. I also asked if he would send me some kind of confirming email. I did not receive any but my bank did put a stop notice for the amount, noting PayPal as the recipient. XXXX XXXX confirmed the stop payment order. I am not sure if PayPal actually attempted to retrieve that money or if they are simply waiting for me to approve it. Logging into PayPal shows that I owe them the $ XXXX. 

A half hour after I had received the first email from PayPal, I received another from the saying that XXXX XXXX had sent a confirmation of shipping of SOMETHING to me and there was a XXXX XXXX number included. When I checked the tracking, it showed a delivery to someone in Billings, MT XXXX DAYS EARLIER on XX/XX/XXXX. Clearly, it was a fraudlulant number used to simply trigger PayPal 's paying them. 

As I had not heard anything regarding the phone call, I filed an " item not received '' dispute on PayPal. That is in limbo right now. I received a text message with a link on XX/XX/XXXX saying it was from PayPal and that they would get back to me on XX/XX/XXXX. I did not click on the link. I did log into XXXX  and checked in the resolution center, where the dispute is still in review. I have not heard anything further though I received a phone call today on my mobile number. I did not recognize it so I did not answer it. In looking online I saw that some people said it was a legitimate XXXX  number for collections, others said it was a scam trying to get money saying they were XXXX  collections... 

I'm not sure where to go with this as they said they would get back to me by XX/XX/XXXX- though the resolution center says it could take up to XX/XX/XXXX. Looking online at what others who have experienced had to say, it seems like  XXXX  is very reluctant to let things like this go ( I am in a negative balance with them with this ) and they often either side with the seller ( who has not responded to them ) or that it takes a long time for them to reimburse you. Some people suggested contacting you so here I am. Thanks for any help you can provide.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Between the months of XX/XX/XXXX- XX/XX/XXXX, Wells Fargo charged me XXXX overdraft fees. 
The bank ( Well Fargo ) originally gave me a courtesy refund of XXXX fee. I was told to come back 12 months later to get additional fee reversals. However they were only allowed to reverse XXXX today. The fees totaled {$940.00}. I was refunded {$100.00}. Leaving the bank with an additional {$840.00} of my money.

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