vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates
State: FL

Complaint narrative:
Prince-Parker & Associates placed a fraudulent collection account on my credit report for {$400.00} allegedly owed to AT & XXXX XXXX XXXX XXXX XXXX This account does not belong to me and I have never had any account with XXXX XXXX XXXX XXXX XXXX Prime. I submitted a written debt validation request to Prince-Parker & Associates demanding proof that this debt was mine, including the original signed contract, full account history, and verification of their XXXX collection license. They never responded not a single communication. Despite their complete failure to validate the debt, they continued reporting this account to the credit bureaus, in direct violation of the FDCPA, 15 U.S.C. 1692g. I then filed a formal dispute with XXXX on XX/XX/year> ( Confirmation # XXXX ). XXXX returned a 'verified ' result with XXXX evidence provided to me and no explanation of how verification was conducted, in violation of the FCRA , 15 U.S.C . 1681i. I have never received any communication from Prince-Parker & Associates validating this debt at any point. This is a fraudulent account that has damaged my credit score and I am demanding its immediate removal from all credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Revolut Technologies Inc.
State: NY

Complaint narrative:
I was charged {$89.00} on XX/XX/year>, by the merchant XXXX XXXX XXXX for a diecast collectible item. I never received the package, so I promptly filed a dispute with Revolut. Revolut denied my dispute without providing any specific evidence from the merchant or a clear explanation of their investigation. I strongly disagree with the denial and maintain that the charge is invalid because I never received the package. To support my claim, I took multiple photos around my entire property including the front porch, mailbox, backyard, side areas, garage, and other visible delivery spots on several days after the expected delivery window. I also took one photo from my vehicle showing the street and approach to my house. None of these photos show any package, delivery attempt, or notice left behind. In addition, I provided Revolut with my work schedule, which clearly shows I was not home during typical delivery hours and could not have signed for or received the package in person. I also tried fixing it directly with the merchant by contacting XXXX XXXX XXXX for help, a tracking update, replacement, or resolution. However, the merchant denied me any assistance and refused to help. Despite all of this evidence and my good-faith efforts, Revolut sided with the merchant. I specifically requested a copy of all evidence the merchant submitted ( such as order confirmation, tracking number, delivery proof, signature confirmation, IP address, or other materials ), but Revolut has not provided it. I have acted responsibly throughout this process by thoroughly documenting the non-delivery with photos, sharing my work schedule, and reaching out to the merchant first. Under consumer protection rules and card network guidelines, I am entitled to a proper investigation and the chance to review and respond to the merchants evidence. I am filing this complaint against Revolut because they are my card issuer and they denied my valid non-delivery dispute. I request that the CFPB require Revolut Reverse the {$89.00} charge and credit my account in full

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: AZ

Complaint narrative:
SPRING OAKS CAPITAL is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL 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 non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
I disputed a collection account from Sentry Recovery & Collections that does not belong to me. The company has failed to provide proper validation, yet continues to report this account on my credit report. I am requesting that this account be investigated and removed immediately.

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 2026-03-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: IL

Complaint narrative:
Spectrum initially charged me {$81.00} for a bill that I was never notified by them electronically, they claimed they delivered physical mail to an address I already moved out from AFTER cancelling their service. This resulted in a debt being delivered to Waypoint Resource Group, the collection agency. The collection agency thus claimed they sent physical mail notices on XX/XX/XXXX to the address I no longer lived in, and that means I no longer lived in. On XX/XX/XXXX, they filed a collection to my credit report and I noticed the alert. I resolved this with XXXX directly and they have mandated Waypoint Resource Group to remove this debt and collection from their end, which they have thus provided a withdrawal letter as part of the resolution. I then disputed the collection with XXXX, however, Waypoint Resource Group kept claiming the collection was indeed accurate and I proceeded to call their agent, whom told me the collection could not be removed from my credit report under ANY condition which was opposite to what the letter ( provided by Spectrum corporate resolution agent saying it's from Waypoint Resource Group ) has claimed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA 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 non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
* * Complaint Against Coinbase Unauthorized Transfer of XXXX ETH Following Impersonation and Security Failure * * I am filing a complaint against Coinbase regarding a major security incident that resulted in the loss of approximately XXXX ETH from my account. On XX/XX/year>, I received a text message asking if I was attempting to log into my Coinbase account from Michigan. I did not respond. The following day, I received a phone call from an individual claiming to be from Coinbase XXXX. The caller stated that Coinbase had experienced a prior security breach and that my account had been affected. The caller had detailed information about my account, which made the interaction appear legitimate and raised serious concerns about how this information was obtained. While I believed I was working with Coinbase to secure my account, my account was compromised and XXXX ETH was transferred out. I believe Coinbase failed in the following ways : * Failure to safeguard sensitive customer account information, which may have been exposed or misused * Failure to detect and prevent a high-value suspicious transaction * Failure to implement adequate protections against impersonation and social engineering attacks * Failure to provide timely or effective support following the incident This incident involves a substantial financial loss and raises serious concerns about XXXX XXXX practices and consumer protections. I am requesting : XXXX. A full investigation into the incident XXXX. A detailed account activity and access report ( including IP addresses and devices ) XXXX. Disclosure of any known data breaches or compromises affecting my account XXXX. An explanation for why the transaction was not flagged or stopped XXXX. Appropriate remediation for the loss of XXXX ETH I have also filed a report with the FBI XXXX XXXX XXXX XXXX ( XXXX ). I request that Coinbase provide a formal written response and resolution to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I sended a total of XXXXXXXX XXXX to a scammer that, acted like a governments lawyer. Trough well Fargo s bank by using XXXX option. But after the scammer received the money he blocked me. But the bank denied my claim.

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 2026-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
Related Prior Complaint : XXXX ( filed XX/XX/XXXX ) COORDINATED HARASSMENT BETWEEN CREDITOR AND DEBT COLLECTOR : On XX/XX/XXXX at XXXX XXXX, I received a " LIMITED TIME SETTLEMENT OFFER '' email from Caine & Weiner Company XXXX XXXX XXXX XXXX XXXX ) demanding {$1000.00} for XXXX XXXX XXXX XXXX XXXX Reference # XXXX, XXXX # XXXX ). Less than XXXX hours later, on XX/XX/XXXX at XXXX XXXX EST, XXXX XXXX XXXX attempted to charge my business credit card ( ending in XXXX ) 19 TIMES in rapid succession. This card had been previously deactivated by XXXX XXXX after they flagged prior XXXX charges as potentially fraudulent. Simultaneously with the 19 charge attempts, XXXX flooded my email inbox with multiple " URGENT COMMUNICATION '' emails from XXXX, all timestamped XXXX XXXX. This coordinated conduct demonstrates : The debt collector ( Caine & Weiner ) and creditor ( XXXX ) are working in tandem to harass me XXXX retained my card information without authorization after I terminated services XXXX is attempting to charge for disputed debt that was never validated per FDCPA The timing ( XXXX XXXX ) and volume ( 19 attempts ) suggest predatory automated billing This conduct occurred AFTER I filed CFPB complaint # XXXX, suggesting retaliation BACKGROUND - ONGOING PATTERN OF HARASSMENT : XX/XX/XXXX : I submitted a detailed written termination request to XXXX documenting service failures ( no mail delivered, charged for services not received ). XXXX XXXX XXXX : XXXX acknowledged my termination but stated they " can not terminate client 's agreement from our end. '' XXXX : XXXX XXXX flagged multiple XXXX charges as potentially fraudulent and refunded unauthorized charges. XXXX XXXX was deactivated. XX/XX/XXXX : I sent a certified debt validation letter under the Fair Debt Collection Practices Act. XXXX NEVER responded with validation. XX/XX/XXXX : XXXX Account Helpdesk admitted in writing : " prior request for termination which was not actioned '' and " We do not process termination requests. '' XXXX XXXX : XXXX escalated disputed balances to internal collections ( XXXX XXXX ) and third-party collectors including Caine & Weiner. XX/XX/XXXX : I filed CFPB Complaint # XXXX against XXXX and Caine & Weiner. XX/XX/XXXX at XXXX XXXX : Caine & Weiner sent settlement demand for {$1000.00}. XX/XX/XXXX at XXXX XXXX : XXXX attempted 19 unauthorized charges on deactivated card + flooded inbox with emails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: MS

Complaint narrative:
HWARFIELD is falsely reporting on my credit. I have never had any accounts with them. Per my research HWARFIELD 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 2026-03-17 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: TX

Complaint narrative:
I am not liable for this debt if XXXX with midland credit XXXX acct # XXXX. I do not have a contract with XXXX XXXX XXXX they did not provide the original contract as requested with my wet signature and ID verification According to the 15 USC 1681 law there should not be any damages on my report it is a defamation to my character

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Climb Credit Inc.
State: CO

Complaint narrative:
I am disputing inaccurate reporting and systemic failures by XXXX XXXX XXXX. In XX/XX/XXXX, I made a payment of {$660.00} ( Confirmation # XXXX ) while having over {$12000.00} across my accounts ( {$4700.00} checking / {$7600.00} savings ). Despite this, the XXXX claimed 'no funds ' and hit my credit. On XX/XX/XXXX, I made a {$1000.00} cash payment at the branch ( Receipt attached ). A representative emailed admitting the payment data looked 'weird ' and promised to investigate. Instead, they went silent for weeks and allowed my credit to be hit a second time in XX/XX/XXXX while the account was in a formal dispute. They are now withholding credit corrections to pressure me into signing insurance documents for a vehicle totaled on XX/XX/XXXX. They have ignored my physical receipts and my stutter during in-person visits.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
PORTFOLIO RECOVERY A is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOVERY A 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 2026-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
This is an aggressive follow-up to my complaint regarding the repossession of my vehicle. I have not received a meaningful response or any serious effort to address or resolve this matter. This lack of action is unacceptable. The repossession is formally disputed due to improper notice and failure to comply with required legal procedures. Your continued delay and inadequate response raise serious concerns about compliance and good faith handling of this matter. I am demanding an immediate and thorough response explaining the basis for the repossession and the actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Before XX/XX/year>, an unauthorized transaction in the amount of {$3000.00} was made on my account with Bank of America This transaction occurred after my phone was stolen. I did not have possession of my device at the time, and I did not authorize any person to use my phone, XXXX XXXX, or my financial accounts. The transaction also occurred in a different state where I was not physically present. I promptly reported this transaction to Bank of America as fraud. However, my claim was denied. The bank stated that the transaction was authorized, which is incorrect. The use of a stolen device does not constitute authorization. I did not provide my passcode, biometric authentication, or permission to any individual. I did not participate in or benefit from this transaction in any way. I requested that the bank provide documentation supporting their decision, including device information and authentication records, but this issue has not been properly resolved. I am requesting : A full reinvestigation of this unauthorized transaction Reimbursement of the {$3000.00} Disclosure of all evidence used in denying my claim, including Apple Pay device and authentication data I believe Bank of America failed to properly investigate this unauthorized transaction and is incorrectly holding me responsible for fraudulent activity resulting from theft. I am seeking a prompt resolution and refund.

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 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
At the end of XX/XX/year>, I was attempting to purchase tickets to the XXXX XXXX XXXX after finding a listing in a XXXX XXXX XXXX XXXX. I connected with an individual who presented themselves as a legitimate and verified seller. We communicated via text message and discussed the ticket details at length, including pricing and transfer. After agreeing on a total price of {$480.00}, I sent payment to the seller through PayPal. The seller instructed me to send the payment using the Friends and Family option, which I did at the time without fully understanding that this method does not include buyer protection. After payment was sent, the seller stated that the tickets had been transferred to me. However, I never received any tickets. Following this, the seller stopped all communication. I attempted to follow up multiple times via text message and phone calls but received no response. I subsequently contacted PayPal to dispute the transaction, but they were unable to recover the funds due to the payment being sent via Friends and Family. I also contacted my bank, but they were similarly unable to reimburse the transaction. As a result, I believe I was the victim of a scam and theft by deception, and I have lost {$480.00}. My bank was able to stop the transaction, but PayPal had already sent the money. Because of this, I owe {$480.00} to PayPal. I have been slowly paying off this debt to avoid being sent to collections, but can not do it all at once because I do not have enough disposable income. I understand this may be a relatively small amount compared to other cases ; however, I am a college student, and this is a significant financial loss for me. I am filing this report at the recommendation of a law enforcement contact, both to document the incident and in the event that this individual has engaged in similar fraudulent activity with others. I do not have the sellers physical address, but I do have their phone number, email address, PayPal transaction details, and records of our communications, which I can provide upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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