vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: NJ

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX continues to report XXXX collection accounts on my credit report that I do not recognize. I have previously disputed these accounts directly with XXXX XXXX XXXX and with the credit bureaus. I also sent written validation requests asking for documentation proving that the debt belongs to me. XXXX XXXX XXXX has failed to provide adequate validation of the alleged debts. They have not provided : A copy of the original signed contract Documentation showing I agreed to the debt A full payment history Proof that XXXX XXXX XXXX has legal assignment of the debt Despite failing to validate the accounts, the company continues to report the debts to the credit bureaus. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, a company must report accurate and verifiable information. Reporting a debt that can not be properly validated is inaccurate and harmful to my credit profile. Because the company has failed to provide sufficient proof that these accounts belong to me, I am requesting that the accounts be removed from all credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: FIRST HAWAIIAN, INC.

Complaint narrative:
My wife, XXXX XXXX XXXX, died on XX/XX/year>. Since then, as her court-appointed sole heir, I have been trying for over a year to close her account at First Hawaiin Bank XXXX XXXX XXXX All necessary documents, including the will, death certificate, title of personal representative, and notarized affidavit, are available to FHB. They have not responded to phone calls or the documents sent by mail. Instead, FHB has been deducting an unauthorized dormant fee every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, XXXX initiated the withdrawal of my funds from Robinhood, in excess of {$11000.00}. Instead of transferring my money to my bank account, they restrict ted my account and have not allowed me access to my funds. I spoke to customer service several times. I went through their identity verification procedure repeatedly. Then they sent a notice that they were closing my account and it would take XXXX days if I was eligible to have my funds returned. At this point they made it impossible to talk to a customer service person. The only method of contact is now email. The emails are responded to by an automated AI response that says the same thing, that they are closing my account and it takes XXXX days to return my money. The activity that caused the freeze was apparently trying to withdraw my money, which I have every right to do. The bank accounts linked to Robinhood are verified, they are clearly mine. I have not had access to my money for almost a month. There is no legitimate reason for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Betterment LLC
State: NM

Complaint narrative:
Betterment removed my access and locked me out of my bank account and has yet to return any funds or value or properly account. XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
I leased a vehicle through XXXXXXXX XXXX ford XXXXn XXXX, michigan. Per their own letter which is being provided there was a system error and they did not provide Ford motor credit with the correct phone number AFTER signing. Not only did this directly effect getting in any sort of contact with Ford motor for final payment, but XXXX XXXX of Ford XXXX in XXXX XXXX also took my information at turn in, he took in the following Name, phone number, email, address, and also told me to update my information on the Ford pass app in which I did. Not only has Ford kept the derogatory mark on my credit due to an issue from their dealerships end but its being incorrectly reported as I have paid Ford motor and do not have a bill it is still being viewed as a " charge-off '' and not a " paid charge-off '' Ford is also trying to charge me with an extra {$700.00} charge over a crack in my windshield at turn in as I have request pictures from the lease end turn in team and they only provided me with an invoice with no pictures which will also be provided. Ford motor then said that they tried to email me the final bill, I have XXXX emails from ford motor credit about a final bill the last email I have from them after XX/XX/year> per the screenshot provided that stated my automatic payments were turned off which was requested that I do per XXXX XXXX at XXXXXXXX Ford XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Complaint with Resurgent as they are incorrectly reporting a collection balance of {$1300.00} on all three of my credit reports and they refuse to remove even after providing proof. Their address is XXXX XXXX XXXX, XXXX, MI XXXX Phone is XXXX. Here is the sequence of events. Around XX/XX/XXXX I was contacted by a collection agency XXXX XXXX XXXX that a debt was owed to XXXX and an offer is being made to settle with XXXX payments for {$110.00} and the remaining balance of {$1300.00} would be considered resolved and reflect a XXXX balance. XX/XX/XXXX I began making payments of {$110.00} a month as per the settlement agreement. XX/XX/XXXX I was informed by XXXX XXXX that XXXX is taking over the final XXXX payments of {$110.00} and I should pay XXXX directly and not XXXX XXXX. XX/XX/XXXX I contacted XXXX and provided my account information and payments were made for final XXXX payments for XXXX and XXXX of XXXX with final payment being made in XX/XX/XXXX. XX/XX/XXXX- XXXX granted me new credit. XX/XX/XXXX- XXXX XXXX sent me a letter stating the old XXXX credit was sold to Resurgent effective XX/XX/XXXX however this can not be true because there was nothing to sell. XX/XX/XXXX I received letter from Resurgent that LVNV has acquired my old account for the same debt and they are handling the collection and a collection balance of {$1300.00} was placed on all three of my credit reports. XX/XX/XXXX - I sent a letter disputing the {$1300.00} collection balance on my credit reports to both XXXX XXXX and Resurgent that this debt was invalid and provided them proof payments including the settlement offer letter I have in my records. Canceled checks were also provided but the response from XXXX XXXX is that the debt was sold to Resurgent. XX/XX/XXXX - Received letter from Resurgent with debt validation and denied my request to correct or remove the debt owed. XX/XX/XXXX - Received XXXX letter from Resurgent with a debt validation and will not remove from my credit reports. This collection balance is incorrect and is in violation of the FCRA. The original creditor- XXXX XXXX, had no legal right to sell it as there was nothing to sell. And Resurgent has no legal right to report something not owed. I do not owe {$1300.00} and Resurgent needs to remove this debt from the credit reports. And XXXX XXXX needs to resolve their balance dispute with Resurgent and is between them XXXX to update their records and disputes are not with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Local Management, LLC
State: GA

Complaint narrative:
I've already successfully settled this debt with local management llc legally However they still proceeded to still move forward and breach of our settlement contract to still sell my settled debt to national recovery agency despite settling the debt in court

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ECMC GROUP, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Validation Request Dear Sir or Madam, I am responding to your communication regarding the alleged debt referenced above. I am requesting validation of this debt as provided for by the Fair Debt Collection Practices Act. Please provide the following information : 1. The name and address of the original creditor. 2. The total amount of the alleged debt, including any interest, fees, or charges. 3. Copies of any documents showing I agreed to this debt. 4. Proof that your company is authorized to collect on this debt. 5. Documentation showing that the statute of limitations has not expired. Until you provide proper validation of this debt, I request that you cease all collection activities and communication with me regarding this matter. If you can not provide this information, please confirm in writing that the debt will be removed from my credit file and that collection efforts will stop. Thank you for your cooperation. Sincerely, * XXXX XXXX * XXXX 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 2026-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Whom It May Concern, I am writing regarding the above-referenced account listed as a charge-off on my credit report. I am requesting full validation of this account. Please provide the following : A copy of the original signed agreement Full payment history Documentation showing I am legally responsible for this debt Proof of your authority to collect on this account Until proper validation is provided, I request that all reporting of this account to the credit bureaus cease. If you are unable to validate the account, please notify the credit bureaus to remove this account from my credit report. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
On XX/XX/year> I transferred {$400.00} from my money network account to my personal account, and it was never deposited into my personal account. When I called them, they said that they were having an issue with transfers. But I'd let them know I had another amount that was deposited after the XXXX that successfully made it into my personal account. Whenever I try to call, they make it nearly impossible to speak to a representative. Their automated system reads you your balances and transactions, and does not give you an option to speak to a person. I was told that they were aware of the transfer issue and were working to resolve it, but they could not give me a timeline or tell me what the actual issue was. When I tried to call back I could not get through to anyone.

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 2026-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
In early XX/XX/year>, my account was suspended after I attempted to link a bank account that had been associated with a previous, inactive profile. I contacted support, submitted the requested photo identification for verification, and requested a manual review, explaining that the suspension appeared to be a technical error triggered by the automated system. On XX/XX/year>, an Account Specialist confirmed the account was unfrozen. However, upon following instructions to re-add the funding source, the automated system immediately re-suspended the account. Support subsequently acknowledged that the payment method was still " on file '' with the old account. By XX/XX/year>, a specialist manually cleared the conflict and confirmed the account was fully reactivated and ready for normal use. Permanent Deactivation ( XX/XX/year> ) Despite the prior resolution and confirmation of the account 's standing, I received a notice on XX/XX/year>, stating the account was being permanently deactivated for alleged violations of the User Agreement. At this time, the account contained no funds, and my activity had been infrequent and compliant with standard use. Between XX/XX/XXXX and XX/XX/year>, I repeatedly requested the following from the company : XXXX. Identification of the specific provision of the User Agreement that was allegedly violated. XXXX. A manual review of the automated decision. XXXX. Written clarification of the basis for this determination. The companys final response on XX/XX/year>, refused to provide any specific details regarding the deactivation. They stated they would not " divulge [ their ] decision-making criteria '' in order to protect internal monitoring systems. The company has failed to provide a clear, actionable reason for a permanent service ban. This is especially concerning given that the account was previously flagged and then cleared by a specialist who identified the issue as a technical conflict between two profiles. I believe the account has been deactivated due to a recurring automated system error that the company refuses to investigate or explain, denying me access to the platform without just cause or transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
b"I was the victim of an online pet scam. I sent money through XXXX because the seller claimed they were selling a pet. I authorized the payment only because I was misled by the scam. After I sent the money, I did not receive the pet, and the seller demanded additional payments. I reported this to Chase and am requesting review of how my scam claim was handled, including whether any recovery options were properly considered. The date the transactions were made was XXXX XXXX XXXX and the total lost was about XXXX. The seller claimed her name was XXXX XXXX but the names of the recipients where I sent the money were different - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX number was listed on XXXX as XXXX XXXX XXXX and the email she used was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
" The unauthorized {$6000.00} transfer occurred on XX/XX/year>, due to bank impersonation. I reported it immediately. The bank reopened the claim on XX/XX/year>, but has since failed to provide a Provisional Credit or a final decision. Under 12 CFR 1005.11 ( c ), the bank has exceeded all federal timelines for error resolution. Representative XXXX XXXX has citied a 45-day investigation, but the bank is in violation of the mandatory 10-day credit requirement that must accompany such an extension. I have provided a IC3 report and a FTC affidavit. I am requesting an immediate {$6000.00} credit. ''

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 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I request that this matter be thoroughly investigated and that XXXX XXXX XXXX be required to provide proper documentation supporting their claim and demonstrating that all legal requirements were met before initiating any garnishment action. Specifically, the company should be required to provide full validation of the alleged debt, including documentation identifying the original creditor, proof that the debt was legally assigned to XXXX XXXX XXXX, a complete itemized accounting of the alleged balance, and documentation showing that I was properly served with notice of any legal proceedings. In addition, if this account was previously charged off or cancelled by the original creditor, I never received a Form XXXX reflecting cancellation of debt income. If the debt was charged off or cancelled, the company should clarify the status of the account and provide documentation supporting their legal right to collect on the alleged balance. If the company is unable to properly validate the debt and demonstrate that all legal requirements were followed, they should immediately cease and desist from all collection activity, including the garnishment.

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 2026-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Westlake Services, LLC
State: PA

Complaint narrative:
I am listed as a co-signer on an auto loan with Westlake Financial, account number XXXX. I never signed or authorized this loan, but my name was added electronically. I have reviewed the loan agreement provided by Westlake Financial, and the electronic signature listed as mine is unauthorized. Since XXXX I have been making payments to protect my credit. I have contacted Westlake Financial multiple times, including speaking with a supervisor, requesting removal from the loan and documentation proving my authorization. Westlake has refused to remove my name and has not provided proof that I consented to be a co-signer. I request that : Westlake Financial remove my name from the loan immediately. They provide all documentation showing my electronic signature and authorization. My credit report reflects that I am not liable for this loan. I am filing this complaint to protect my credit and ensure that Westlake Financial complies with federal regulations regarding unauthorized loans and co-signers. I have attached a copy of the loan agreement for reference. Thank you for your prompt attention to this matter. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Fraudulent accounts opened and monies withdrawn and deposited without my knowledge.

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 2026-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I received notification of a collection account on my XXXX credit report. I contacted the collections company to get more information. The collections company stated it was for a storage unit in XXXX. I told the collection company that Ive never even been to Minnesota, and the account was not mine. I asked for a validation request under the following : DISPUTE AND VALIDATION REQUEST This debt does not belong to me, and I request that you provide complete validation as required under the following laws XXXX XXXX Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g - Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 XXXX XXXX XXXXXXXX Fair Debt Collection Practices Act ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX Debt Collection Licensing Act ( XXXX ), XXXX XXXX XXXX XXXXXXXX SPECIFIC VALIDATION REQUIREMENTS Pursuant to 15 U.S.C. 1692g and California Civil Code 1788.17, you must provide the following before any further collection activities : XXXX. Complete Debt Verification XXXX XXXX XXXX XXXX Exact amount of the alleged debt, with a full itemization ( principal, interest, fees, payments, credits ) - Name and contact information of the original creditor - Original account number - Date the account was opened and date of last payment - Date of default or charge-off - Contract with my signature XXXX. Legal Documentation : XXXX XXXX XXXX Copy of the original signed contract or agreement - Complete payment history XXXX Copy of any judgment obtained - Documentation showing the chain of assignment from the original creditor to your company - Proof of your legal right to collect in California XXXX. Licensing and Compliance XXXX XXXX XXXX XXXX Proof of your companys license to collect debts in California ( XXXX ) - Your California XXXX license number and status XXXX Identification of all agents authorized to collect in California XXXX. Statute of Limitations : XXXX XXXX XXXX Statement regarding the applicable statute of limitations - Disclosure if the debt is time-barred under XXXX XXXX XXXX NOTICE AND CONSUMER RIGHTS- Under 15 U.S.C. 1692g ( b ), you must cease all collection activities until you provide the requested validation. - Under 15 U.S.C. 1681s-2 ( a ) ( 5 ), you can not report this disputed debt to credit reporting agencies without including notice of the dispute. - Under XXXX Civil Code 1788.14, if this debt is time-barred, you must provide specific disclosures and can not mislead me about your ability to collect. XXXX Under the XXXX XXXX, unlicensed debt collection activity is prohibited and subject to penalties. I have yet to hear back from the collection agency, and they have validated the collection account with XXXX. However, I dont understand how this is possible since the debt does not belong to me.

Company response to consumer: Closed with explanation