vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX. XX/XX/year> : I sent my first written request to XXXX  for debt validation under the Fair Debt Collection Practices Act ( FDCPA ) and requested substantiation of the alleged debt. 
XXXX. XX/XX/year> : XXXX filed a lawsuit against me in XXXX XXXX, Florida, regarding the alleged debt. 
XXXX. XX/XX/year> : I filed a motion to dismiss the lawsuit due to XXXX failure to provide validation of the debt. 
XXXX. Improper Service : I was not properly served with the lawsuit ; therefore, I was unaware of the court date. As a result, a default judgment was entered against me. 
XXXX. XX/XX/year> : Wage garnishments began the second week of XXXX. 
XXXX. XX/XX/year> : I filed as head of household ; the garnishment was voluntarily dismissed on XX/XX/year>. 
XXXX. XX/XX/year> : The garnishment continued without proper substantiation of the debt. 
XXXX. XX/XX/year> : XXXX sent a letter acknowledging receipt of my dispute, stating the account is verified as accurate, but they provided no documentation or chain of title to substantiate the debt. 

Summary of Issues : Despite repeated requests since XX/XX/year>, XXXX has failed to provide debt validation or proof of ownership. 
The debt has been subject to ongoing wage garnishment without substantiation. 
The account continues to appear on my credit report, potentially inaccurately, and with a disputed flag. 
I have been subjected to improper service, default judgment, and wage garnishment for a debt that has not been legally validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To : NAVY FCU XXXX. XXXX XXXX XXXX, VA XXXX XXXX Subject : Formal Dispute and Cease Communication Notice Pursuant to FDCPA 1692c ( c ) Dear XXXX XXXX XXXX XXXX I am writing in response to your recent communication regarding an alleged debt you claim I owe. Please be advised that under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby request that you cease all communication with me regarding this matter, except as permitted by law.

Additionally, under 15 U.S.C. 1692g ( b ), I am disputing the validity of this alleged debt in its entirety. I am requesting verification of the debt, including but not limited to : XXXX. The name and address of the original creditor ; XXXX. A detailed statement of the amount allegedly owed, including principal, interest, and fees ; XXXX. Proof of assignment or transfer of the debt from the original creditor to your agency ; and XXXX. A copy of any signed contract or agreement bearing my signature that created the alleged obligation. 



Please note that until you provide proper validation of the alleged debt, you must cease all collection activity, including reporting or verifying this debt to any credit reporting agencies. 



If you are unable to provide the requested documentation, or if the debt can not be verified, you are required to delete any reference to it from my credit reports and confirm in writing that you have closed your file on this account. 



I also request that you do not contact me by phone, and that all future communication ( if legally necessary ) be sent only in writing to my mailing address listed above. 



Thank you for your attention to this matter. I expect your full compliance with the FDCPA and other applicable consumer protection laws. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Auto Loan. Wells Fargo requires you to call in a payment towards principal only. You can not do it on their website. I called in to make a payment toward principal only. The person repeated my request back. They are hoping you do not notice that they did not apply the full amount toward the principal. They apply partial payment to the principal and the rest as if you were making your monthly payment even though a payment was not due. This allows them to make more money in interest on you. Just by chance I went on the website to see my account and noticed that they did not apply the full amount to the principal. ANOTHER SCAM THAT WELLS FARGO FIGURED OUT TO SCAM THE PUBLIC OUT OF THEIR 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 non-monetary relief
Consumer complaint received 2026-01-07 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: FL

Complaint narrative:
Monday XX/XX/XXXX I contacted Synchrony fraud investigating department to put in another dispute for the same charges. I have been dealing with this for 9 months, And was told to contact XXXX twice the first time XXXX didn't have the correct information so they told me to contact Synchrony Bank. Synchrony Bank been investigating since XX/XX/XXXX and I have not received any help I put in about five or six disputes in since then, from XXXX to XXXX. today I was on the phone with XXXX after being told to call them a second time and they could not find the charges so they didn't know what I was talking about so I called Synchrony Bank while I had them on the phone, 3 way call so i can get help and they wasn't able to provide XXXX with no information. No one didn't investigation because they couldn't help Find the charges and I didn't have information on the charges. 
They still didn't want to help me in the fraud investigation department. 
XXXX was on the phone they could verify this. Today XX/XX/XXXX around XXXX

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 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Company : Citibank , N.A . / Citi Cards Product : Credit card Primary issue : Account was closed without my authorization ; Citi is making inaccurate claims to justify the closure and refusal to reopen. 

Complaint details ( what happened ) : Citi has closed my credit card account even though I did not request that my account be closed. I only attempted to cancel/replace one card ending in XXXX so charges would stop posting to that specific card number, while I continued using the other card on the same account ending in XXXX. I never intended to close the account, and I did not authorize full account closure. 

I submitted my CFPB complaint on XX/XX/2025. Citis response dated XX/XX/2025 claims : I closed the account via their Interactive Voice Response ( IVR ) on XX/XX/2025, and that an email was sent confirming this action. I dispute that I closed the account and I never received any email confirming I closed the entire account. 

Citi also claims that, as of XX/XX/2025, it could not reopen the account because at least one payment was returned unpaid by my financial institution. That statement is categorically false to the best of my knowledge and records. Citi previously reopened my account after confusion involving returned payments in XXXX 2025, and there have been zero returned payments since that reopening. 

This appears to be a serious servicing/processing error ( or an unauthorized/incorrect account closure ) where a request to cancel/replace one card was treated as a request to close the entire credit card account, and Citi is now refusing to correct the record. 

Additional context and concern about vulnerability : I am a XXXX XXXX  woman, and I am extremely concerned that Citi is attempting to take advantage of my vulnerability by maintaining inaccurate claims ( that I closed the account and that I had returned payments ) and refusing to provide substantiating evidence or correct the error. Regardless of intent, Citis conduct and communications have been confusing, inconsistent, and harmful.

Why this is harmful : Citis continued closure of my account is affecting my ability to use my available credit and manage recurring charges. Citi is also maintaining inaccurate records that I closed the account and that I had a returned payment on/after XX/XX/2025. I am also concerned about possible credit reporting impacts ( even though Citi claims it did not report adverse information ).

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 2026-01-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am filing this complaint against LVNV Funding, LLC for reporting a collection account on my consumer credit report that does not belong to me. 

A collection account is being reported with a balance of approximately {$210.00}, opened around XX/XX/XXXX, with alleged last activity and last payment dates of XX/XX/XXXX. I have never opened, authorized, or been responsible for this account. I do not recognize this debt, and I have no contractual relationship with LVNV Funding.

This tradeline is the result of either mixed-file reporting, identity misuse, or inaccurate third-party data, and is being furnished without permissible purpose or competent proof.

I disputed this account after discovering it on my credit report. Despite my dispute, the account remains reported and continues to show as a derogatory collection account, even though it is not mine.

LVNV Funding has not provided any documentation showing that I am the consumer who owes this alleged debt, including : no signed contract or application no account statements tying this debt to me no proof of identity no chain of assignment establishing liability By continuing to furnish this account without proof, LVNV Funding is violating its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) to ensure maximum possible accuracy and to conduct a reasonable investigation after notice of dispute. 

The continued reporting of a debt that does not belong to me is causing ongoing harm to my credit profile, exposing me to financial risk and reputational damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
On XX/XX/year> I called in to confirm if a debt was valid. The person who answered kept telling me I had to pay. When I told him that I just wanted proof that the debt was real, he kept telling me that I had to write a letter. I tried to explain to him that the letter that I received said that I can call this number every time I try to explain myself, he kept yelling over me the XXXX XXXX that I had to write to finally when I was about to ask to talk to a supervisor he just hung up on me after yelling at me. 
I called back the next day and talked to someone different trying to explain to them the letter I got all the person kept doing was repeat herself, giving me the address yet again finally when I asked to speak to a supervisor because I didnt want to repeat what happened the day before thats when she finally started talking to me and said I would be more than happy to transfer. You put me on hold and then hung up on me. 
I called back from a different number from my girlfriends phone figuring they have flagged my phone number and thats why I kept getting put on hold this time. I didnt explain myself at all and simply ask for the lawyer that they represents name. The person kept stumbling and refused to give me the information and just told me they would transfer me to a supervisor after being on hold. They finally hung up on me. I called back again from the number this time saying I wanted the bar number if they didnt have the attorneys name, they refused to give me the information again. They put me on hold and then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Altisource Portfolio Solutions, S.à r.l.
State: OH

Complaint narrative:
XXXX XXXX XXXX  XXXX had a hard credit pull on my credit. I have never worked with them and I never authorized a hard credit pull. The credit pulls was XX/XX/year> at roughly XXXX XXXX. I am currently XXXX and looking to refinance my house. I authorized XXXX XXXX  to run my credit and no other companies. I immediately sent them an inquiry about their laws they violated and I will be reporting their shady tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Climb Credit Inc.
State: TX

Complaint narrative:
I took out a private student loan through Climb Credit and XXXX XXXX to finance an educational program with XXXX. The total loan amount was {$10000.00}, and I also have additional smaller credit card debts and medical bills, which I can not fully pay. 

In XX/XX/year>, Climb ended its partnership with XXXX. XXXX has since shut down and is completely unreachable all known email addresses and contacts are non-functional. I am unable to request a refund from the school. 

I contacted Climb Credit in XX/XX/year> and submitted a complaint. Climb acknowledged that XXXX breached its contract and that the partnership ended, but stated that they can not process a refund unless XXXX confirms the refund and returns tuition funds. Since the school is unreachable, this is impossible. Despite acknowledging the breach, Climb has continued to request monthly payments of {$300.00} and has not suspended collection activity. 

I requested written information from Climb regarding the status of my loan, whether I am eligible for a refund, and whether payments could be paused while the dispute is investigated. Climb did not provide this information. They only instructed me to contact XXXX which is not possible. 

As a result, I am being forced to pay for educational services that were not delivered and can not be delivered due to the schools closure. I am formally disputing this debt and requesting that Climb Credit and XXXX XXXX : 1. Suspend all payments and collection activity while the dispute is under review.

2. Confirm in writing that no negative credit reporting will occur during this period.

3. Provide a written explanation of how repayment can be enforced when the school is closed and unreachable. 

The total amount of the loan in dispute is {$10000.00}. I am unable to make these payments due to financial hardship and the fact that the services were not delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: AK

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: IL

Complaint narrative:
Aldous & Associates collecting {$210.00} XXXX gym debt ( # XXXX, Aldous # XXXX ) without FDCPA validation notice. Demanded proof ( contract, payments ) but provided none. Reported to credit bureaus despite XXXX payments proof and XXXX XXXX  disputes. XXXX complaint filed ( # XXXX ). Demand deletion + cease contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I discovered an auto loan account reported by Westlake Financial Services that I did not open, authorize, or recognize. The account appears on my XXXX credit report with an original amount of approximately {$12000.00} and a reported balance of about {$6900.00}. Credit reporting indicates the account began around XX/XX/XXXX, with reporting activity in XX/XX/XXXX and XX/XX/XXXX. 

I did not apply for this auto loan, did not sign any contract, and did not receive or use any vehicle associated with this account. After discovering the account, I reported it as identity theft and requested verification from the company, including a copy of the original signed agreement and proof that I authorized the account. The company was unable to provide documentation showing that I am responsible for this debt. 

I am disputing this account as identity theft and requesting that it be investigated and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have disputed this debt multiple times, requesting full validation. Jefferson Capital sent 1 page of a 3-page statement to my fathers address, where I have never lived or been associated, and provided no other proof of the debt. Despite this, they continue to report the account as collections and derogatory on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against XXXX XXXX, XXXX for reporting a collection account on my consumer credit report that does not belong to me. 

A collection account is being reported with a balance of approximately {$210.00}, opened around XX/XX/XXXX, with alleged last activity and last payment dates of XX/XX/XXXX. I have never opened, authorized, or been responsible for this account. I do not recognize this debt, and I have no contractual relationship with XXXXXXXX XXXX 

This tradeline is the result of either mixed-file reporting, identity misuse, or inaccurate third-party data, and is being furnished without permissible purpose or competent proof. 

I disputed this account after discovering it on my credit report. Despite my dispute, the account remains reported and continues to show as a derogatory collection account, even though it is not mine. 

XXXX XXXX has not provided any documentation showing that I am the consumer who owes this alleged debt, including : no signed contract or application no account statements tying this debt to me no proof of identity no chain of assignment establishing liability By continuing to furnish this account without proof, XXXX XXXX is violating its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) to ensure maximum possible accuracy and to conduct a reasonable investigation after notice of dispute. 

The continued reporting of a debt that does not belong to me is causing ongoing harm to my credit profile, exposing me to financial risk and reputational damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Robert L. Tankel, P.A.
State: FL

Complaint narrative:
I paid my HOA late. We changed management companies and I sent it to the wrong company When we realized we went to HOA office and they said they had just sent us to collection but they took our payment and gave us a receipt. We assumed they would call and tell them but instead they just forwarded our payment and they just took this amount off our late/collection fees owed. They put a lien on our property. I tried to call and email to get amount owed and they didn't answer. Scared of loosing our property we brought all paper work to the court house and that is were we are at. The last the court told me was they tried to push forward with foreclosure and they stopped it because we had responded.. I just am so worried for a XXXX dollar HOA they want to take my house I worked all my life for I just don't get it. I am not sure you can help before this is settled in court.

Company response to consumer: Closed with explanation