vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. This company is reporting inaccurate information on my credit report. This company is violating my rights putting this on my credit. > 15 U.S.C 1681 section 602 A. States I have the right to privacy. > 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the account and follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2026-02-18 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: CA

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 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
It occurred on XX/XX/XXXX I was contacted by a business man on a website named XX/XX/XXXX. He stated he would pay me for images of my feet. He sent a check for {$500.00} and I had to transfer it to my cash app, concert it to bitcoin and send them the link. Then he sent another check for {$2000.00} to be deposited into my savings and I had to wait for it to clear. My account showed suspicious charges and then he sent another {$500.00} check to deposit into my checking account. He wanted me to do the same process but I got suspicious bc I already did what they said needed to be done to get on his payroll. On XX/XX/XXXX I realized my account was frozen and under review for fraudulent activity. I contacted the bank they said I will be responsible for {$1000.00} dollars or my account will go into collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
NATIONAL CREDIT is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT 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 2026-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Hi my name is XXXX XXXX and I am writing this today because on XXXX XXXX I made a payment of {$73.00} to my capital one credit card account ending in XXXX and a few days later my bank statement showed it was returned which it never was and so my account was not credited with the {$73.00} payment and I was also charged a {$25.00} late fee penalty. This is not the first time capital one has done this towards me and it is really frustrating to be a customer for this bank. After talking to an agent on the phone my {$25.00} late fee was waived but I never got my {$73.00} back even tho I had well over {$1200.00} in my account at the time of payment. I would please just like my account credited with the {$73.00} please and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
I am formally disputing your claim that I entered into any payment agreement or had any phone communication regarding this account. 

I have no recollection of any such call, and I do not acknowledge entering into any agreement. 

Please provide : The date and time of the alleged call The phone number used A full recording or transcript of the call Documentation showing my consent to any agreement If you are unable to provide this documentation, you must immediately remove any reference to such communication and cease reporting this account as verified. 

Reporting unverified or inaccurate information is a violation of federal law, and I will escalate this matter further if necessary

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 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: TX

Complaint narrative:
I started a dependent care account for my daughters day care, I submit a reimbursement claim which was denied based on a receipt issue, so submitted a new receipt, showing separate charges for the day care services and meal plan, because apparently feeding your child doesn't count as childcare. HSA bank has continued to deny my claim, making spend hours of additional time fighting for my own money, the call center was in a foreign country which refused to provide information about reviewing the claim after providing additional receipts, exceeding the 24 hours guidance they originally gave me about the claim. The payroll deduction itself happens a calendar month ahead of the fund availability, so I am now unable to pay day care costs due to HSA bank withholding funds, over 7 days after the original claim was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: NY

Complaint narrative:
I am submitting this complaint regarding improper debt collection practices by Balanced Healthcare Receivables , LLC in connection with an alleged medical debt. 
I previously exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and requested validation of the alleged debt. In response, I received documentation that did not clearly establish that any balance is owed. The statement provided did not identify a current amount due, did not clearly identify the original creditor in sufficient detail, and reflected information that was incomplete and ambiguous. As a result, the collector has failed to provide proper validation of the alleged debt as required under federal law. 
Additionally, Balanced Healthcare Receivables , LLC left voicemail messages on my personal phone on at least two occasions, including XX/XX/2026 and XX/XX/2026. In these voicemail messages, the caller identified me by full name, identified the company as Balanced Healthcare Receivables, and disclosed that the message was from a debt collector attempting to collect a debt. 
These disclosures were made within the body of the voicemail message itself, prior to confirming that the message would be heard privately by me. Voicemail messages are inherently accessible to third parties who may have access to my phone or voicemail system. By disclosing my identity and the nature of the communication as a debt collection attempt within a voicemail, the collector disclosed private debt-related information in a manner that could be accessed by unauthorized third parties.

This conduct appears to violate the Fair Debt Collection Practices Act, including but not limited to 15 U.S.C. 1692c ( b ), which prohibits debt collectors from communicating with third parties in connection with the collection of a debt, as well as related provisions governing proper debt validation and consumer communication. 
I am requesting that this matter be investigated, that the collector be required to provide proper validation of the alleged debt if it exists, and that the collector cease any communication practices that violate federal consumer protection laws. 
I have retained copies of the voicemail transcripts and documentation received, which demonstrate these improper disclosures and failure to properly validate the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I reported to Wells Fargo that I was the victim of an active fraud scheme in which individuals impersonating Wells Fargo manipulated me into transferring funds. I contacted the bank immediately, and my accounts were placed on hold that same day.

At the time I reported the incident, I also informed Wells Fargo that I had received multiple scam-related calls in which callers falsely claimed to represent Wells Fargo and attempted to route communications through me, indicating an active fraud pattern. Despite this notice, no additional protective measures were implemented beyond placing a hold.

Despite the fraud report and account restriction : An {$8000.00} online transfer from a linked Wells Fargo account was allowed to post on XX/XX/year>. 
A {$9900.00} XXXX XXXX transaction was authorized on XX/XX/year> and posted on XX/XX/year>. 

If the {$8000.00} transfer had been properly blocked or reversed after the fraud was reported, the {$9900.00} transaction would not have been possible. The {$8000.00} directly enabled the subsequent loss. 

I also received alerts indicating that the {$9900.00} transaction was declined due to daily limit restrictions, demonstrating that transaction controls were active. However, those controls did not prevent the transaction from ultimately posting after fraud had already been reported. 

Wells Fargo later closed my fraud claim ( Claim XXXX XXXXXXXX ) and stated that the {$8000.00} could not be reversed because the {$9900.00} transfer was voluntary. This does not reflect the circumstances. The transaction occurred under deception during an ongoing fraud incident that had already been reported to the bank. 

Wells Fargo has not provided a clear explanation for why the {$8000.00} transfer was allowed to post after the account was placed on hold, why it was not reversed once fraud was reported, or why existing controls failed to prevent further loss.

I acted immediately and in good faith. I followed all reporting procedures. Wells Fargos failure to prevent or reverse the transaction after notification materially contributed to my financial loss.

I am requesting supervisory review, reconsideration of the denial, a written explanation of the banks fraud response procedures in this case, and reimbursement of funds that could have been prevented through proper fraud controls.

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 2026-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio recovery associates sued XXXX want XXXX  garnish wages without giving me opportunity XXXX  make payment plan. 

I just received a letter dated from XX/XX/year>. I received XXXX  months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I am filing this complaint against PayPal , Inc. regarding improper dispute handling, procedural due process failures, and denial of the opportunity to respond in connection with multiple related disputes involving digital service transactions.

I opened a dispute under Item Not Received within the required timeframe ( within 180 days ). The matter involves non-delivery of contracted digital services that were never completed or made operable.

Over a period of 47 days, I made extensive good-faith efforts to resolve the matter through PayPals Resolution Center and by telephone. I have documented : Over 50 toll-free customer service calls Multiple escalations requested Supervisory review requests Repeated assurances the matter was under review Despite this, PayPal : Unilaterally changed my dispute classification from Item Not Received to Significantly Not as Described without my consent.

Applied physical goods standards ( e.g., shipping proof/tracking ) to a digital service dispute.

Closed my claim through an automated system despite pending escalations. 

Failed to provide me access to the sellers submitted evidence. 

Denied me the opportunity to fully respond before issuing a final decision. 

Closed disputes before visible buyer response deadlines expired. 

This conduct contradicts PayPals own published Online Dispute Resolution Process, which requires : The opportunity to respond to documentation requests. 

A fair review process. 

Timely and transparent communication. 

Instead, my claims were denied after internal reclassification and automated processing, even while escalations were active. 

I am requesting : Full disclosure of my complete case file, including seller-submitted evidence. 

Written explanation of why my dispute classification was changed without consent. 

Review of whether PayPals automated denial system improperly closed active escalations.

Manual supervisory review of all related disputes.

Confirmation that PayPals dispute process complies with federal consumer protection standards.

This complaint concerns dispute process integrity, classification manipulation, and denial of procedural fairness not dissatisfaction with a merchant.

I am submitting supporting documentation including call logs, escalation records, and written communications.

I respectfully request regulatory review of PayPals dispute handling practices in this matter. 
Here are the cases I need help with ASAP please. 

XXXX XXXX not as described {$3000.00} USD XXXX Item not received {$5800.00} USD XXXX Claim Item not received {$7500.00} USD XXXX Item not received XXXX XXXX {$5000.00} USD XXXX Claim Item not received Lost {$3000.00} USD

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 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: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant XXXX XXXX XXXX XXXX ( b ) XXXX  XXXX XXXX XXXX, I am entitled XXXX  an accurate credit report. I request a review of these entries, XXXX  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 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting XXXX  my credit file XXXX  is against my rights XXXX  fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I am attaching a screenshot of the email from Citibank instructing me to call their fraud department to verify activity on my checking account. 

I have followed these instructions repeatedly over an extended period. Each time I call, I provide my information and case reference number, then I am transferred and left on hold for hours or the call disconnects without resolution. 

There are no Citibank branches near my location, so in-person verification is not possible. 

Because Citibanks phone verification process is not accessible despite my repeated good-faith efforts, I am requesting the account be closed and a check mailed to my address on file for the remaining balance. 

I am requesting regulatory assistance to resolve this matter promptly.

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 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I opened a dispute for 3 transactions made with my debit card ending inXXXX on XX/XX/year>. I cancelled the service under the merchant refund/cancellation policy, the cancellation was accepted by the merchant on XX/XX/year>, the store issued a full refund receipt, voided voucher, email confirming the full refund. 
Until now the refund has never been posted to my account, the claim was denied even after submit all the documentation. It was reopened for a second review but until now I dont have any update about the case.

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 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: FL

Complaint narrative:
TRUEACCORD C is falsely reporting on my credit. I have never had any accounts with them. Per my research TRUEACCORD C is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting XXXX  my credit file XXXX  is against my rights XXXX  fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

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 2026-02-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I sold my property in XX/XX/year>2024. The mortgage company sent me an escrow check : Check XX/XX/XXXX Amount : {$1700.00} Mortgage Company : Mr. Cooper XXXX Nationstar Mortgage XXXXXX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX Check expired since it was sent to an old address. I need the check reissue and sent to my new address. 


XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX I tried to reach them several times, the prompts dont let you get to a live agent without having an active loan. I tried the chat line and no real human to assist and I e-mail them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MILLENNIUM FINANCIAL GROUP, L.L.C.
State: OK

Complaint narrative:
XX/XX/XXXX there was a water loss incident that was covered under XXXX XXXX Since XX/XX/XXXX XXXX XXXX attempted to pay Millenium Financal for the loss. XXXX refused to sign a liability release by XXXX and instead sent the insurance claim to collections. 

XX/XX/XXXX I attempted to refinance my home discovering that XXXX had sent this account to collections. 

This derogatory report cost me XXXX points on my credit score and {$2300.00} in points on my XXXX. 

XX/XX/XXXX I disputed this remark on my credit report with XXXX and XXXX  and XXXX quickly removed it from my credit report. 

I still had to pay {$2300.00} in points for this company 's fraudulent practices and stubborn refusal to sign the liability waiver. 

XXXX should be forced to make me whole on this transaction.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Oliphant United, Inc.
State: PA

Complaint narrative:
am disputing a debt being reported by OLIPHANT USA LLC that I do not believe I owe. The account is listed as a collection for {$8600.00} with a reported past due date of XX/XX/scrub> 2026. I have not received proper validation or verification of this debt from the company. According to the Fair Credit Reporting Act, I am entitled to request verification of any debt being collected. I am requesting that the company provide proof that I am legally responsible for this debt. 

This account has negatively affected my credit report, and I am formally disputing its accuracy. I ask that the company investigate this matter and provide documentation to support the validity of the debt. Until proper verification is provided, I request that all collection actions be paused and that the account be marked as disputed with any credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 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: NJ

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