vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TrueAccord Corp.
State: AL

Complaint narrative:
Validation of Debt Request - TRUEACCORD C - 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 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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
XX/XX/XXXX scammers/identity frauds by the name of XXXX XXXX XXXX work from home data entry job ( from XXXX & XXXX XXXX called into my bank of wells Fargo like they have been doing since I opened the account in XX/XX/XXXX, claiming that a transaction of XXXX on XXXX XXXX wasn't authorized. My bank sent me and email on XX/XX/XXXX stating my accounts would be closed by XX/XX/XXXX due to fraudulent relations and that the unauthorized transaction will be returned to merchant plus processing fee. I am concerned that scammers will have me put in XXXX and label as a bank fraud, money laundering, or have my bank sue me. These people have already threaten me, sent fake FBI letter via text, sent screenshots of pervious victims bank notices stating they had to pay XXXX dollars back or be prosecuted by the bank. Sent screenshot of my address, my id, and social security number. I am a victim of identity fraud and I am in fear of my life.

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: CCS Financial Services, Inc.
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 : 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 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/year>2026 unauthorized money was pull from my checking account from citizen bank fromXX/XX/XXXX. The amount was XXXX. I never authorized this transaction. I also express to citizen bank I never authorized these transaction. They denied me on both appeals not really explaining why. Also I contact to XX/XX/XXXX and express the same thingXX/XX/XXXX have gave me the run around. And really havent communicate with me. Come to find out XX/XX/XXXX had a lawsuit were several consumers recieve money do to there information been leak and similar situation happen to them.

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 was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am submitting this complaint against Resurgent Capital Services L.P. regarding continued collection efforts for an alleged {$3200.00} debt supposedly connected to XXXX XXXX XXXX XXXX and later sold to LVNV Funding LLC. I dispute this account in its entirety. I do not recognize this debt and never authorized it. If this account resulted from identity theft, their continued attempts to collect and possibly report this account are causing financial harm and emotional stress. Under 15 U.S.C. 1692g, I am entitled to proper validation of the debt. A generic statement or internal record does not meet the legal standard for validation. I have requested documentation including a copy of the original signed agreement, a full chain of assignment from XXXX XXXX XXXX XXXX to LVNV Funding LLC, proof that Resurgent has legal authority to collect, an itemized breakdown of the {$3200.00}, the date of default, and proof the debt is within the statute of limitations. Continuing collection activity without proper validation violates 15 U.S.C. 1692g ( b ). Any misleading representation regarding the character, amount, or legal status of the debt violates 15 U.S.C. 1692e. Attempting to collect amounts not authorized violates 15 U.S.C. 1692f. If this account is being reported to any consumer reporting agency without a reasonable investigation and without confirming maximum possible accuracy, that may violate 15 U.S.C. 1681s-2 and 15 U.S.C. 1681e ( b ). Reporting a debt connected to identity theft without proper verification may also constitute willful or negligent noncompliance under 15 U.S.C. 1681n and 1681o. I am requesting that the CFPB require Resurgent Capital Services L.P. to provide full legal validation of this alleged debt and immediately cease collection efforts and remove any reporting associated with this account.

Company response to consumer: Closed with non-monetary relief
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 — Other problem
Company: BILL.COM, LLC
State: NY

Complaint narrative:
We processed a credit card payment through the payable software Bill.com. Bill.com is refusing to allow any refunds to the credit card. The refund can not be requested by the credit card owner, nor initiated by the merchant.

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 — Problem making or receiving payments
Company: OPTUM BANK, INC.
State: MO

Complaint narrative:
I requested a rollover of my XXXX XXXX XXXX XXXX XXXX XXXX funds, totaling {$31000.00}, to XXXX XXXX. The request for this transfer was initiated over two months ago. Despite my diligent follow-ups, Optum Bank has failed to execute the transfer within a reasonable industry timeframe. This delay is not merely an administrative oversight ; it is a breach of fiduciary responsibility to provide timely access to my funds./ *

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 was result of identity theft
Company: AR Resources, Inc.
State: AL

Complaint narrative:
AR RESOURCES is falsely reporting on my credit. I have never had any accounts with them. Per my research AR RESOURCES 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 2026-03-03 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am disputing a {$9100.00} charge on my Synchrony Bank account from a merchant ( XXXX ). I legally cancelled this contract within the 3-day right-to-cancel window mandated by New York State General Business Law 771 . I mailed the cancellation notice via XXXX Certified Mail and have the signed return receipt proving the merchant received it in time. Because the contract was legally voided, this charge is invalid. Furthermore, the merchant 's initial {$9100.00} work failed to solve the plumbing issue ; they had to return three weeks later, at which point they charged me an additional {$1100.00} just to clear the line again. A competitor subsequently diagnosed the actual issue and quoted the correct repair for 60 % less. I provided all of this documentationincluding the cancellation receipt and the {$1100.00} return-visit invoiceto Synchrony Bank ( Claim # XXXX ), but they improperly denied the dispute and are attempting to enforce a legally voided contract.

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: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Improper Handling of Deferment Payment and Account Posting Irregularities Company : Westlake Financial Services Account Number : XXXX Loan Origination Date : XX/XX/XXXX I am filing this complaint regarding the handling of a {$120.00} payment made on XX/XX/XXXX, which was represented to me as the required amount to defer a scheduled payment. At the time I made the {$120.00} payment, it did not appear on my transaction history. Because of prior concerns, I retained a copy of an earlier account ledger dated XX/XX/XXXX. That ledger does not reflect the {$120.00} payment at all. A later ledger dated XX/XX/XXXX shows the {$120.00} posted on XX/XX/XXXX but backdated to XX/XX/XXXX. The payment was applied entirely to interest and did not reduce principal. It also did not clearly satisfy or skip a scheduled installment. Despite being told this payment would defer a payment, I continued making regular payments as scheduled. At no point did the deferment provide meaningful relief. Interest continued accruing, and the payment did not appear to function as a true installment deferment. My concerns are as follows : The payment was not timely posted. The payment was applied entirely to interest rather than satisfying a scheduled installment. I continued making payments as though no deferment occurred. I received no measurable financial benefit from the deferment. The posting delay and application method may have increased my finance charge. I have repeatedly requested clarification from Westlake Financial and have been told the matter would be investigated, yet I have not received a clear accounting explanation. I am requesting : A full amortization breakdown before and after the deferment Documentation of the deferment agreement terms Identification of the specific payment that was deferred An explanation of why the {$120.00} was applied solely to interest Correction of the account if the deferment was improperly applied If the deferment provided no actual benefit, I request that the {$120.00} be reapplied toward principal and that any resulting interest impact be corrected. I am requesting regulatory review of this matter to ensure compliance with consumer lending and payment posting requirements. Sincerely, XXXX XXXX

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: CL Holdings LLC
State: FL

Complaint narrative:
Validation of Debt Request - JEFFCAPSYS - XXXXXXXX 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 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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: AL

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 non-monetary relief
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: Stenger & Stenger, P.C
State: MI

Complaint narrative:
Reported case with XXXX XXXX chase was open fraudulently. The amount owing XXXX which went to granishment on XX/XX/year> and just now reviving paper work on XXXX XXXX which I already reported identity theft. Collections agency is stenger & stengerpc XXXX l grown XXXX de no XXXX telephone number XXXX

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 was result of identity theft
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB 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 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: DE

Complaint narrative:
I used chime to transfer money. And the Number was not associated with the user account it went to the wrong account, and I told them and showed them the transaction, they told me to contact the number ask for a refund. Did this 20 times no answer it was XXXX dollars. I need my {$200.00} dollars, and they are not trying to help.

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 was result of identity theft
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I received a debt from a collection company. It says I have a bill for {$180.00} from Current Creditor XXXX XXXX I didnt not have a phone with this company someone else use my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: HANCOCK WHITNEY BANK
State: TX

Complaint narrative:
I opened a checking and savings account after receiving an email offer with {$1000.00} for receiving {$500.00} direct deposit monthly starting XXXX, XXXX keeping {$10000.00} balance between XX/XX/XXXX and XX/XX/XXXX. The bonus would be paid out by XX/XX/XXXX I met all the requirements but when I called on XXXX I was told I was not in the targeted list to receive the promotion. The email I received is addressed to me and made me believe I am the intended recipient for the promotion. I opened the savings and checking account in XXXX and I was told on the phone then that I was indeed eligible for the bonus if I meet the deposit requirements and keeping the {$10000.00} balance in savings. During account opening the bonus code was accepted and nowhere did it mention that I was not eligible for the bonus. I met all the deposit requirements per the terms but no bonus is paid out by XX/XX/XXXX and it is now XXXX.

Company response to consumer: Closed with 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: Portfolio Recovery Associates, LLC
State: SC

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: DC

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: AL

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: 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: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
On XX/XX/year> I was charged {$290.00} as a deposit for an event in XXXX at the end of XX/XX/year>. The event was canceled and rescheduled twice! I made flight arrangements only to have to cancel everything. I could not continue to reschedule an overseas event that requires extensive planning. I asked for my money back mutiple times. I was told I would get a refund but did not and then I never did and stopped responding. Then I charged it back with Barclays in XXXX and I have received zero updates.

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