vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: NJ

Complaint narrative:
I am filing a complaint against CBE group for unauthorized disclosure of my personal and debt information. A debt collector from CBE group sent a third party ( My father-in-law ) a text message ( which was received on XX/XX/year> ) identifying themselves as a debt collector and referencing my medical provider, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The message included a direct link to my account. When the link is opened, it displays my personal account information, including my name, medical provider, and balance, without requiring any log in or authentication. This allowed a third party to access my private debt information. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collects from disclosing information about a consumer 's debt to third parties. I am requesting that CBE Group immediately cease all third-party communications regarding my account and address this privacy violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XX/XX/XXXX I enrolled in a XXXX XXXX XXXX ( XXXX ) with this company for XXXX credit cards. Payments were set to draft automatically from my checking account with the same company. On XX/XX/XXXX I called because a payment was returned. A collections department agent, who failed to check my XXXX enrollment, set up XXXX additional unauthorized payment arrangements of {$180.00} each. She also attempted to withdraw funds from a third-party credit union account that the company had previously agreed to permanently remove from their system. This was done without my knowledge or consent. These actions effectively removed me from the XXXX XXXX XXXX without my consent, causing my account to become delinquent through no fault of my own. I called the company approximately XXXX times between XXXX and XX/XX/XXXX to resolve this. I visited a branch in person in XX/XX/XXXX where a branch XXXX agreed the extra payments were improper. I formally disputed the unauthorized charges with my bank. The company claims they called me on XX/XX/XXXX and XX/XX/XXXX to warn me of a charge-off. I have reviewed my phone records and received no calls, voicemails, or emails on either date. Despite this, the company charged off my account and referred it to a collections law firm. In XX/XX/XXXX a company representative told me no further action would be taken. The company filed a lawsuit against me approximately XXXX XXXX later. A Default Final Judgment was entered against me in XX/XX/XXXX because I, as a non-attorney, did not understand I needed to file a written court response to the lawsuit a lawsuit that never should have been filed given that the company 's own errors caused this situation. This has severely damaged my credit and resulted in legal action against me that I am now forced to fight in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
As a veteran, XXXX overcharged me on fees! My card got stuck in the XXXX XXXX ATM which caused someone to take it and it was returned to the bank. The banker at XXXX failed to reverse the rush shipping when my original card was stuck and returned to the bank! The banker failed to stop the card!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
To Whom It May Concern, I am writing in response to the account. I am requesting validation of this alleged debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). I do not recognize this account and request that you provide proper validation of the debt. Please provide the following : The name and address of the original creditor The full account number associated with the alleged debt Documentation showing I am legally obligated to pay this debt A complete payment history, including how any amount was calculated Proof that your company is authorized to collect on this debt ( including assignment or purchase agreement ) Until this information is provided, I request that you cease all collection activity and reporting to credit bureaus. If you are unable to provide proper validation, I request that this account be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Payments aren't processed right away sometimes so I get charged a late fee. Cutoff says XXXX ET but is more like XXXX XXXX. Also get charged outrages interest charges due to those late fees. Sometimes charges are not bad but other times they get out of hand. When you finally get someone on the phone, there is nothing they can do. I got charged a late fee and a late fee debit a few days later. I have also been charged different amounts for late fee. All in all, I have been charged almost {$400.00} in late fees and charges and will probably get more as I made the payment close to cutoff time today.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kinum, Inc., Indianapolis, IN Branch
State: GA

Complaint narrative:
I requested validation of the debt from the collector on XX/XX/year>. I did not receive any documentation, itemization, or proof of the debt. However, on XX/XX/year>, the collector updated the account on my credit file. My concern is that the furnisher continued collection activity through credit reporting after a validation request, without providing any of the information I asked for. This account is for a violin rental, and I am requesting a review of the furnishers reporting behavior and lack of response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
I am filing this complaint regarding a fraudulent auto loan issued through USAA in the amount of approximately {$50000.00} for the purchase of a vehicle that I never received. On or around XX/XX/year>, I obtained financing through USAA for the purchase of a XXXX XXXX XXXX ( VIN : XXXX ) from a dealership identifying itself as XXXXXXXX XXXX XXXX, allegedly located in XXXX. The loan funds were disbursed via ACH by USAA to the dealership. Shortly after the transaction, I discovered multiple red flags indicating that the dealership may be fraudulent or impersonating a legitimate business. Despite the loan being funded, I have never received the vehicle, never taken possession of it, and have no confirmation that the dealership was legitimate or that the transaction was valid. I immediately reported this to USAAs fraud department, and an investigation was opened. However, despite being a victim of fraud and not receiving the vehicle tied to this loan, I am still being held responsible for repayment. Key facts supporting my complaint : I never received or took possession of the vehicle associated with this loan. The dealership ( XXXX XXXX XXXX ) appears to be fraudulent or misrepresented. The transaction involved misrepresentation and potential impersonation. USAA disbursed funds without ensuring delivery or confirming the legitimacy of the dealership. I reported the fraud promptly upon discovering the issue. I am currently being held financially responsible for a loan tied to a vehicle I do not have. This situation reflects a failure in the lending and funding process, as funds were released without adequate safeguards to confirm a legitimate transaction or delivery of the vehicle. I am requesting the following actions : 1. Immediate removal of my financial responsibility for this loan. 2. A full fraud investigation into the dealership and transaction. 3. Confirmation that this loan will not negatively impact my credit. 4. Written confirmation that the loan will be canceled, reversed, or otherwise resolved in my favor. I entered this transaction in good faith and should not be held liable for a fraudulent scheme in which I did not receive the purchased asset. This matter is causing significant financial stress and concern. If this issue is not resolved promptly, I am prepared to pursue additional regulatory complaints and legal action. I expect a timely and fair resolution.

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 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The credit card account conversion and high interest rates that I believe may involve violations of federal consumer protection laws. My Walmart credit card was converted into a Capital One XXXX card without my understanding. I do not recall receiving clear, advance notice that would allow me to make an informed decision or opt out of this change. Following this conversion, I am now subject to high APRs : Capital One : XXXX % XXXX : XXXX % XXXX : XXXX % I am concerned that this situation may not comply with the Truth in Lending Act ( TILA ) and Regulation Z, which require clear and conspicuous disclosure of changes to credit terms. Additionally, the Credit CARD Act of XXXX requires advance notice of significant changes and may provide consumers the right to reject those changes. I am requesting : Consideration for APR reduction or other relief. I spoke to a representative who stated she wasnt sure this could be done and to check back once the company fully merged. I request that this matter be investigated to ensure compliance with applicable federal law and fair treatment as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I obtained car insurance through XXXX on XXXX. On XXXX I contacted them to inform them that I was cancelling their insurance since I had obtained cheaper insurance through XXXX commencing XXXX. Credit Collection Services sent me a bill for {$1300.00} and put it on my credit report. I contacted the collection agency and spoke with XXXX XXXX. She advis d me to send her a copy of my declarations page from XXXX showing that I did, indeed, have insurance on XX/XX/year>. She would then forward it to XXXX so the case can be closed. Imagine my surprise when I opened correspondence from them saying that I agreed to pay {$680.00}! I am sending supporting documents with this dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: SC

Complaint narrative:
I am filing this complaint regarding unauthorized electronic fund transfers from my checking account. I reported unauthorized transactions totaling {$1700.00} ( Claim ID : XXXX ), which occurred between XX/XX/year> and XX/XX/year>. These transactions included multiple XXXX XXXX transfers, an ATM withdrawal, and a large purchase, all of which I did not authorize. At the time these transactions occurred, my debit card and/or mobile device was lost or not in my possession. I did not initiate or approve any of these transactions, and I did not share my PIN, login credentials, or account access with anyone. Additionally, I was physically located in XXXX, XXXX from XX/XX/year> through XX/XX/year>, and the transaction activity does not match my location or normal usage patterns. I reported the issue promptly and filed a dispute on XX/XX/year>. Despite providing this information, my claim was denied with a generic statement that no error occurred, without any explanation of how the transactions were determined to be authorized. I also requested documentation used in the investigation, including device access logs, IP address data, and authentication methods, but this information was not provided. Under Regulation E, the key issue is whether the transactions were authorized by the account holder. I am confirming that I did not authorize these transactions. A transaction being completed or processed does not establish authorization. I believe the investigation was not reasonable or compliant with Regulation E requirements, and I am requesting regulatory review of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV Funding LLC is reporting a collection account on my credit report Account XXXX alleged balance {$3100.00}. LVNV Funding is a passive debt purchaser that frequently can not produce original account documentation. Under FDCPA 15 U.S.C. 1692g I formally demanded they produce via certified mail on XX/XX/year> : ( 1 ) original signed contract with my signature from original creditor, ( 2 ) complete payment history from original creditor, ( 3 ) documentation of how they got assigned to collect this debt, ( 4 ) complete chain of assignment, ( 5 ) bill of sale showing what LVNV paid to acquire this debt, ( 6 ) license to collect in Pennsylvania. The personal information associated with this account contains addresses that have never been mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX making identity verification impossible. My correct address is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. LVNV has faced prior regulatory action for reporting unverifiable debts. If they can not produce all XXXX required items this debt is unvalidated and must be deleted from all 3 bureaus under FDCPA 809 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am filing this formal complaint because Bank of America is violating federal law ( Regulation E ) and my rights as a victim of a violent crime. On Saturday ( XXXX XXXX ), I was targeted by a XXXX on XXXX XXXX XXXX XXXX XXXX who used physical duress and intimidation to extort money from my savings account. I was cornered by a man armed with a hammer and a blowtorch ; under this imminent threat to my physical safety and while under extreme duress, I was coerced into initiating a transfer. Bank of America representatives have provided gross misinformation, claiming that because I clicked 'send ' while under physical duress, the transaction was 'authorized. ' This is a blatant violation of Regulation E ( 1005.11 ). Federal law and CFPB guidance clarify that any transfer initiated through robbery, force, or duress is unauthorized. I have faced over XXXX hours of runaround, blatant lies from staff, and currently have XXXX conflicting claims open for the same incident, one incorrectly labeled a 'regular dispute ' and one 'Regulation E ' claim which was opened after I confirmed that it was a regulation E because the person I had spoken with claimed it was when it was not coded correctly. I have received zero written confirmation outside of a claim number of these filings. I demand that Bank of America correctly categorize this as a Regulation E ( 1005.11 ) unauthorized transfer, provide my provisional credit within the 10-day federal window, and permanently return my stolen funds. BofA Claim Number : XXXX FTC ( reported XX/XX/XXXX ) Report Number : XXXX ( XXXX ) Police Department : XXXX XXXX ( Report XXXX filed XX/XX/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 2026-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I am disputing a medical collection account reported by XXXX XXXX as inaccurate and improperly verified. The underlying medical service occurred on XX/XX/XXXX. Documentation from the original provider shows the account was adjusted as bad debt sold and reflects a {$0.00} balance. This confirms the provider no longer holds an active balance. Despite this, XXXX XXXX is reporting a balance of {$1800.00} and a date opened of XX/XX/XXXX. This does not reflect the true timeline of the debt and misrepresents the account history. I previously disputed this account with the credit bureaus. It was marked as verified, however the collector only provided a summary statement of account. They failed to provide : Date of first delinquency Complete payment history Proof of legal ownership or assignment Documentation confirming reported dates match original creditor records Without this information, I can not confirm the accuracy of the reporting. Reporting a XXXX date for a XXXX debt is misleading and may constitute inaccurate reporting. Additionally, the original provider shows a {$0.00} balance, raising further concerns about the validity of the amount being collected. I am requesting that XXXX XXXX either : 1. Provide full, verifiable documentation supporting : Date of first delinquency Complete account history Legal ownership of the debt Accuracy of all reported dates OR 2. Immediately remove this account from all credit reporting agencies if they can not fully verify this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
A debt collector, Contract Callers Inc, furnished a collection tradeline to the nationwide consumer reporting agencies for an alleged XXXX XXXX balance without providing me any prior notice or demand for payment. I never received any letter, email, text message, or phone call from either XXXX XXXX or Contract Callers before the tradeline appeared. I first learned about the alleged debt only after seeing the collection item on my credit report on XX/XX/XXXX. After discovering the tradeline, I contacted the collector and requested ( 1 ) the dates/methods/destinations of any pre-reporting contact attempts ( mail/email/phone/SMS ) and ( 2 ) sufficient documentation to verify the debt. On XX/XX/XXXX, the collector sent a generic response and billing statement/itemization, but did not provide the requested records showing any prior notice or communication attempts ( what address/email/phone was used, when notices were sent, or whether anything was returned undeliverable ). I replied again on XX/XX/XXXX requesting those records and received no further response. Because I value my credit history, I paid the balance on XX/XX/XXXX ( including an added fee charged during payment ) in order to have the tradeline removed. The collection item was deleted from my current credit report as of XXXX XXXX, XXXX. I am not seeking further resolution for myself ; I am reporting a harmful practice : credit reporting before good-faith, verifiable consumer notice, followed by non-responsiveness until the consumer pays to protect their credit. I request that the CFPB review this companys practices regarding pre-reporting notice and documentation of communication attempts and ensure compliance with applicable requirements. Company : CONTRACT CALLERS INC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management, a debt buyer, is reporting a collection account of {$840.00} on my credit files at XXXX, XXXX and XXXX, originally from XXXXXXXX XXXX XXXX XXXX. I have not received any debt validation notice from Midland as required by 15 U.S.C. 1692g. As a debt buyer, Midland purchased this alleged debt and must validate it before reporting or collecting. Additionally, the first collection reporting date differs across the three bureaus : XXXX shows XX/XX/year>, XXXX shows XX/XX/year>, and XXXX shows differing data. The same furnisher can not accurately report different first-delinquency dates to different bureaus for the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have a business account with Webster Bank named " XXXX XXXX XXXX XXXX P.C. '' I have XXXX account with them with number XXXX. On XX/XX/year> I have received an email that my XXXX account is deactivated without describing the reason. I have called them on XX/XX/year>, XX/XX/year> and XX/XX/year>. They just transfer one branch to another branch but did not provide any information regarding deactivation. I also visited their XXXX XXXX 's, NY branch and spoke with XXXX XXXX XXXX but not answer was provided. Our client could not send money through XXXX and I am losing business because of their arbitraetory action against our business.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit One LLC
State: NY

Complaint narrative:
TO : COLLECTION CREDITONE LLC XXXX XXXX : Account # XXXX XXXXXXXX XXXX : Account # XXXX I am formally disputing this alleged debt in its entirety. This debt is not mine and appears to be the result of identity theft or error. I have never had an account or debt with COLLECTION CREDITONE LLC\Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), you are required to cease all collection activity immediately until you provide proper validation of the alleged debt. Enclosed is my Identity Theft Report. Any further collection activity without validation will constitute a violation of federal and New York law. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation