vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lewis, McDonnell & Associates
State: MS

Complaint narrative:
Dear ( XXXX XXXX XXXX ) XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 

Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 

XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 

XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 

XXXX. Proof that the original creditor securitized the debt. 

XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This collection account has caused me significant stress, anxiety, and emotional distress. I have spent countless hours worrying about the negative impact this inaccurate and unverified debt has had on my credit, my financial stability, and my peace of mind. The constant reporting of this account has interfered with my ability to obtain credit, has caused undue frustration, and has placed an unnecessary emotional burden on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: NC

Complaint narrative:
To Whom It May Concern : This letter is a formal request for validation of the alleged debt referenced above, as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I request the following : Proof that I am legally obligated to pay this debt, including the original signed contract or agreement. 
A complete accounting/transaction history showing how the balance was calculated. 
Name and address of the original creditor. 
Proof that your agency has legal authority to collect in my state. 
Proof that the debt is within the statute of limitations. 




During this validation period : You must cease all collection activity, You may not report this debt to the credit bureaus, And if it is already reported, it must be marked as in dispute. 




If you can not provide full validation, you must delete this account from all credit bureaus and cease collection permanently. 



Please respond in writing within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: FinCo Services Inc DBA Current
State: OH

Complaint narrative:
I opened a XXXX XXXX account at Current Banking on XX/XX/XXXX2025 with {$2000.00}. On XXXX/XXXX/2026, I tried to access my funds. I received an email from Current Banking, closing my account effectively immediately and terminating my ability to speak with customer service. When I tried to access the account to retrieve my funds, I was locked out of all methods of communication. At this point, Current Banking has effectively stolen {$2000.00} of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research 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 2026-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: VA

Complaint narrative:
I sent a 2 round of dispute letter to Credit Control LLC requesting the following information and have not received anything. Since then, I discovered that they were trying to collect a different amount than what was owed to XXXX XXXX who sold them my account : The method of verification that was used to verify this account, including the name, address, and telephone number of the furnisher that verified the debt ; and Forward flow agreement Original contract with signature

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 2026-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a consumer who is actively reviewing my Equifax credit report and disputing inaccurate, incomplete, and/or unverifiable information that is negatively affecting my credit profile. Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to ensure that all information reported is accurate, complete, and verifiable. The accounts listed below do not meet these standards and must be properly investigated and corrected or removed. 

CHARGED OFF ACCOUNTS XXXX  XXXX, XXXX, XX/XX/XXXX, Balance : {$1800.00} XXXX  XXXX, XXXX, XX/XX/XXXX, Balance : {$6700.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$100.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$5800.00} LATE PAYMENT XXXX XXXX XXXX I am requesting that Equifax conduct a full reinvestigation of the above accounts and late payment. If these items can not be verified with complete and accurate documentation, they must be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/year>, I placed one order at XXXX XXXX using PayPal Pay in 4. The total purchase amount was {$860.00}. The purchase resulted in one Pay in 4 loan agreement and one combined installment payment schedule. 

At the time of purchase, PayPal was running a promotion advertising 20 % cashback on one eligible Pay in 4 purchase. This transaction occurred during the promotional period. 

After the transaction completed, XXXX XXXX split fulfillment of the order into multiple internal captures. I did not choose or control how the merchant split the order. 

PayPal only applied the promotional reward to one partial capture of {$260.00} and issued points equivalent to {$53.00}. The remainder of the purchase was not credited. 

My PayPal rewards history shows an entry dated XX/XX/year> for {$860.00} with XXXX points calculated and then marked Ineligible. A PayPal supervisor confirmed that the {$860.00} transaction exists in my history but was not recorded as part of the promotion. 

The promotion terms do not state that a completed Pay in 4 purchase can be partially credited or disqualified based on merchant order splitting. This was one completed Pay in 4 purchase for {$860.00}, yet only a portion was credited.

I contacted PayPal multiple times and escalated to the PayPal XXXX XXXX supervisor team. PayPal has refused to correct the reward, stating only that the transaction was not recorded under the promotion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been receiving letters about debt collection in the mail and purchases that was never made on an account under my name or my business name and I wanted to make a fraud report because on my end I never created an account with XXXX XXXX XXXX or got any type of service done here at my buisness

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Cashier 's Check No. XXXX was issued by Wells Fargo and presented to receiver. Receiver 's bank rejected the check and returned funds to Wells Fargo. Wells Fargo has been unable to provide documentary evidence of negotiation, including a copy of the front and back of the cashiers check and the receiving financial institution details.

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 2026-01-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Purchase not made by me, was not aware of charges. Card not used in several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My Bank of America account was suddenly restricted without prior notice. I went to a branch in person to request access to my funds, and I was only provided with phone numbers to call. I contacted those numbers multiple times and did not receive any clear explanation or resolution. 

I was informed that my account will be closed on XX/XX/XXXX, and that my funds would only be available after that date. However, I can not wait until that date because I must make time-sensitive payments to XXXX using those funds. 

This account was used strictly as a personal savings account and to make immigration-related government payments. The funds were specifically reserved for XXXX fees. 

The XXXX transfers received were sent from my own XXXX XXXX  account, which is also under my name. Despite this, my personal account was frozen with no option to withdraw my money. 

This restriction is causing immediate financial harm and is preventing me from complying with government payment obligations. 

I have not received any written explanation, reasonable timeline, or alternative solution to access my funds. I am requesting immediate access to my funds or an alternative method of release before 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 monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Investigative Concepts, Inc.
State: CA

Complaint narrative:
XXXX  Dispute Inaccurate Collection Account Account Name : XXXX XXXX Account Number : XXXX Amount Reported : {$23000.00} Date Opened : XX/XX/year> I am disputing the accuracy and legality of the above-referenced collection account.

This account is inaccurate, unverified, and improperly reported for the following reasons : No Contractual Liability I never entered into a valid contract or agreement for the amount claimed. XXXX  is reporting a balance without providing proof of a signed lease, move-out statement, or itemized charges establishing liability.

Failure to Provide Itemization The reported balance of {$23000.00} is unsupported. No itemized accounting, billing ledger, or explanation of charges has been provided to justify this amount, in violation of the FCRAs accuracy requirements. 
Unverified Collection Account Under 15 U.S.C. 1681e ( b ) and 1681i, XXXX  must ensure maximum possible accuracy and conduct a reasonable reinvestigation. Mere certification from the furnisher is insufficient without documentary evidence.

Improper Classification and Terms The account lists Terms : 1 Month for a collection account, which is internally inconsistent and misleading, further indicating inaccurate reporting.

No Proof of Authority to Report There is no evidence that XXXX XXXX has the legal authority to report this debt or that it has not been sold, assigned, or otherwise transferred.

Demand : If XXXX  can not produce competent evidence ( signed agreement, itemized charges, and proof of liability ), this account must be deleted immediately from my credit file.

Please complete your reinvestigation and provide written confirmation of deletion or a full description of the evidence relied upon, as required by law.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid.

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
Attached is my XXXX Letter of Credible Coverage confirming active XXXX coverage on XX/XX/year>. The collection account with this date of service was XXXX-covered and should not have been referred to collections or reported. I am requesting recall and deletion of the XX/XX/year> account only.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am filing a complaint regarding Wells Fargos refusal to process a XXXX chargeback dispute. 

I attempted to dispute a {$160.00} credit card charge from XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX XXXX ) for optional add-on services that were misrepresented as required and added without informed consent. These included insurance and protection add-ons that were presented as mandatory at the rental counter.

Wells Fargo declined to proceed with the dispute solely because the rental agreement contains my initials, and refused to review or file the dispute despite my explanation that the initials were obtained after the services were presented as required and without proper disclosure of cost or exclusions. I was instructed by the merchant to just initial and was not informed that these services were optional or that I could decline them.

Wells Fargo representatives stated that because initials were present, they would not process the dispute, and suggested that this would need to be handled through court or law enforcement. No
formal chargeback review was conducted under XXXX rules, and my dispute was effectively closed without investigation. 

I am requesting that Wells Fargo be required to conduct a proper review of my dispute under XXXX chargeback rules for misrepresented or unauthorized add-on services, and to provide a written explanation of their refusal to process the dispute.

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 monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
Iam submitting this complaint against OneMain Financial for predatory lending practices, unfair debt collection, and an improper repossession attempt. 
OneMain Financial attempted to repossess my vehicle while I was only approximately {$300.00} behind on my payments. The vehicle has an estimated value of {$14000.00}, making the repossession attempt grossly excessive, coercive, and unnecessary. 
This action appears to violate federal consumer protection laws, including the Consumer Financial Protection Acts prohibition against Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ). The attempted repossession created financial distress and was used as leverage rather than a legitimate last-resort remedy. 
I believe OneMain Financials actions were : Disproportionate to the alleged delinquency Intended to intimidate and coerce payment Indicative of predatory lending and servicing behavior am submitting this complaint against OneMain Financial for predatory lending practices, unfair debt collection, and an improper repossession attempt. 
OneMain Financial attempted to repossess my vehicle while I was only approximately {$300.00} behind on my payments. The vehicle has an estimated value of {$14000.00}, making the repossession attempt grossly excessive, coercive, and unnecessary. 
This action appears to violate federal consumer protection laws, including the Consumer Financial Protection Acts prohibition against Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ). The attempted repossession created financial distress and was used as leverage rather than a legitimate last-resort remedy. 
I believe OneMain Financials actions were : Disproportionate to the alleged delinquency Intended to intimidate and coerce payment Indicative of predatory lending and servicing behavior I am requesting CFPB intervention to : Investigate OneMain Financials lending and collection practices Require corrective action Prevent improper credit reporting related to this incident I reserve all rights to pursue private legal action. 
Sincerely, XXXX XXXX am requesting CFPB intervention to : Investigate OneMain Financials lending and collection practices Require corrective action Prevent improper credit reporting related to this incident I reserve all rights to pursue private legal action. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation