vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I opened an account with cashiers check for like XXXX the lady told me I could get a couple hundred out tommarow. So when I went back the next day there was a hold on the check XXXX 10 days wellfargo sent me the exact day that my funds would be ready. On the day funds were ready nothin was on my account not even the proof of the check cashed and every time I call wells Fargo they hang up on me and Im tired of run around

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 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: VA

Complaint narrative:
DATE : XX/XX/XXXX RE : UNLAWFUL ACCOUNT DEACTIVATION AND SEIZURE OF FUNDS To whom it may concern, I am writing to formally dispute the deactivation of my account on XX/XX/XXXX, and the subsequent seizure of my personal funds. This letter serves as a formal notice that Cash App is currently engaging in predatory and potentially illegal financial practices regarding my assets.

1. Lack of Due Process and False Accusations My account was closed under a vague accusation of " fraud '' with no supporting evidence provided. I am an innocent user, and I demand a specific explanation for this flag. Cash App has stated a " 10-day investigation '' period, which is unacceptable given the total seizure of my liquid assets. 
On XX/XX/XXXX, I received an irrelevant email regarding a XXXX dispute from XX/XX/XXXX. I did not initiate this inquiry. Receiving " resolution '' emails for closed cases from last year while my current account is frozen proves that your internal investigative systems are malfunctioning. I am keeping this email as evidence of Cash.

I currently have an outstanding balance via " Cash App Borrow. '' By deactivating my account, Cash App has prevented me from fulfilling my contractual obligation to repay this debt. Any interest accrued, late fees, or negative reporting to credit bureaus during this period will be the sole legal responsibility of Cash App due to this forced default. Cash App agents have informed me that if the account is not restored, my money will " just sit there '' and I will be unable to withdraw it. This is a direct violation of consumer protection laws. They do not have the legal right to permanently seize my balance. I am not required to open a new bank account to retrieve property they are currently holding hostage.

Immediately restore my account access so I may pay my " Borrow '' balance and manage my funds ; or Provide a method to immediately transfer my full balance to my originally linked debit card/account. failure to fix things will cause me to take legal action even with civil court, talking to the general and a police report. This is my first step. I am confident I did nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
On XXXX XXXX I made an electronic payment from my XXXX XXXX XXXX XXXX XXXX to be sent to pay my Bank of America Credit Card. I accidentally transposed the middle two numbers on my Bank of America credit card. I realized the error and called Bank of America on XX/XX/XXXX, to get the payment transferred to my correct account number. They took my information and said it would take one billing period to get it on my account. Two weeks later I received a letter from Bank of America, stating my claim had been denied, and they could find no record of a {$3000.00}. Payment from XXXX XXXX XXXX. I then went to XXXX XXXX XXXX in person and was given confirmation that the payment was sent to Bank of America on XXXX XXXX. I was told to pursue the issue with Bank of America. After another call to Bank of America with the info I got from XXXX  and was told to wait another billing cycle for the payment to be credited to my account, I got another denial letter from Bank of America saying they could find no record of payment from XXXX XXXX XXXX. I then went to my local branch of Bank of America and spoke with the financial manager about this issue. She understood the problem and was certain she could get the money transferred out of the wrong account and paid to my correct credit card. She requested the transfer three times over the next month and I kept getting letters of denial from Bank of America. She told me to go back to XXXX XXXX XXXX and pursue the claim through them. 
I went back to XXXX in person to speak with the Chief Financial Officer. After he spoke with Bank of America financial department, he faxed all the documentation he had from Bill Pay showing the {$3000.00}. payment was made and the account number it went to, and explained again that it should be transferred to the correct account number. I again got a denial from Bank of America stating they had no record of payment from 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 monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: IN

Complaint narrative:
My co-tenant and I were informed of a debt of {$14000.00} from Aldous & Associates on behalf of XXXX XXXX XXXX. We were informed to respond by phone or by mail by XX/XX/XXXX. My co-tenant and I sent a letter requesting debt validation to their P.O. box on XX/XX/XXXX, through certified mail. Aldous & Associates did not pick up the mail until XX/XX/XXXX. Today, XX/XX/XXXX, we were informed that Aldous & Associates continued collections efforts, despite being informed to cease collections efforts until a debt validation is provided and the letter being postmarked before the due date and they proceeded to report the debt to our respective credit institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: IL

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 2026-01-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I am formally disputing an auto financing account that Westlake Financial claims I owe. I never applied for, authorized, or consented to any financing relationship with Westlake Financial.

I went to a dealership in Georgia believing I was purchasing a vehicle. The salesperson repeatedly reassured me that I was entering into a purchase agreement. I later discovered that the contract was actually a rental / rent-to-own agreement, which was never disclosed to me at the time of sale. 

I have paid over {$25000.00} on this vehicle. At the time of the transaction, the vehicle had over XXXX miles and a market value of approximately {$9000.00} or less. The dealership has since gone out of business. 

I was later contacted by Westlake Financial, stating they were handling my account and demanding over {$6000.00} to keep the vehicle. I never applied for credit with Westlake Financial, never signed a credit application with them, and never authorized assignment of any alleged agreement. 

I believe this account is the result of misrepresentation, deceptive trade practices, and an unauthorized transfer of an invalid contract. I am requesting that Westlake Financial provide full validation of the alleged debt, proof of my authorization, proof of lawful assignment, and a complete payment history. I dispute this debt in its entirety and request that collection activity cease until validation is provided. 

Signed XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I took out a credit card with Wells Fargo jewelry advantage in 2024 and had a 1 year XXXX interest plan. I had a {$7100.00} credit line and paid over a {$6000.00} balance and inadvertently left {$200.00} unpaid due to waiting for my next paycheck due to insufficient funds. Wells Fargo charged {$1600.00} in interest for missing that final payment of {$200.00} which is grossly disproportionate. I requested a one-time courtesy adjustment and was denied despite good payment history. I am requesting review and adjustment please.

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 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Beginning in XX/XX/year>, XXXX Bank of America business checking account was subjected to unauthorized ACH withdrawals by an unknown third-party company. I never authorized this company, never signed any ACH agreement, and never received any prior notice.

As of today, the total amount withdrawn without authorization is {$10000.00} USD. 

I formally reported this issue to Bank of America on XX/XX/year>. Despite multiple follow-ups, no investigator or case manager has contacted me, and no written explanation or investigation update has been provided. I was only told verbally that I must wait 90 days, without any written justification.

Most seriously, the unauthorized ACH withdrawals are still occurring as of today, even after the complaint was filed. Bank of America failed to stop the transactions, failed to protect my account, and failed to provide requested information regarding the identity of the withdrawing party, the authorization documentation, the investigation status, and the timeline for refund. 

I am a small business owner under significant cash-flow pressure, and the continued loss of funds has caused serious financial hardship. I am requesting immediate cessation of all unauthorized withdrawals, a full refund of {$10000.00}, and a written explanation with a clear timeline for 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 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Tesla, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I re-registered my vehicle in Florida ( originally California ) Florida DMV requested via fax ( confirmed receipt ) the title from Tesla finance and I was issued temporary plates expiring on XX/XX/XXXX. Tesla failed to produce the title or a letter authorizing me to register in a new state. I personally have emailed with Tesla finance and only NOW ( XX/XX/XXXX ) they are initiating action to provide title but state it will take several weeks. They do not have a dedicated phone number to reach a live person, and deflect blame on me and the state, rather than expediting the process. I will have no valid registration after XX/XX/XXXX leaving me unable to drive my car legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: FL

Complaint narrative:
Sallie Mae processed a duplicate ACH debit on my student loan payment on XX/XX/XXXX & XXXX. Sallie Mae acknowledged that the duplicate debit was an error on their part. 

This duplicate withdrawal caused my checking account to go negative, resulting in immediate financial harm and loss of access to my funds. Despite acknowledging the error. Sallie Mae has stated it will take XXXX weeks to return the money and has refused to provide provisional credit or expedited correction. 

This is not a disputed or unauthorized transaction, and does not require investigation. Holding my funds for an extended period after admitting a processing error is unreasonable and unfair. I am requesting prompt correction, compensation for the hardship caused, and a written confirmation that my account will not be negatively impacted. 

Notice in the screenshots i needed a family member to assist me to get my account out of the negative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I requested access to Santander 's : loss Mitigation or Hardship Department, written contact information ( email or fax ), confirmation that my account was under loss mitigation review, and review of a reasonable settlement offer reflecting the vehicle 's value and payments made. I also requested that all communications occur in writing following a failed repossession attempt. As additional context, I have been under medical supervision following XXXX XXXX XXXX on XX/XX/year>, which is why I requested loss mitigation review and written communication ; however, my complaint concerns Santander 's servicing conduct and refusal to provide access to loss mitigation, not my medical condition itself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.
State: UT

Complaint narrative:
I am disputing an account being reported by XXXX XXXX XXXX for an alleged XXXX XXXX XXXX XXXX account. I never entered into any contract, service enrollment, or agreement with this company, nor did I authorize the use or transfer of my personal information. 

I have requested validation and contractual proof of authorization, but none has been provided. This account appears to be unauthorized / identity-related and is being reported inaccurately in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting deletion of this account from all credit bureaus unless the company can produce authenticated proof that I personally opened and authorized it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
there was unusual activity happening on my cash app account they asked me was it me, I stated no, and the money to the person anyway, after holding it for a couple of days. when I requested a refund, I was told I couldn't get it after I already told them it wasn't me. I want all my money back for all the times I told them it wasn't me and they took my money anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Statement of Facts XX/XX/year> : I deposited a business check from XXXX XXXX ( drawn on XXXX XXXX ) into my Capital One account. 

XX/XX/year> : This was the first official business day. My Capital One app showed {$270.00} as " Available '' for the next day, consistent with RegulationXX/XX/XXXX ( XXXXXX/XX/XXXXXXXX ( c ) ( XXXX ) (XX/XX/XXXX) ) inflation-adjusted thresholds for 2026. 

XX/XX/year> : Capital One representatives spoke directly with the maker of the check ( XXXX XXXX ), who verified the check was valid and funds were available. 

XX/XX/year> : This morning, Capital One manually retracted the {$270.00} release and the scheduled release for the remainder, leaving my balance at {$0.00}. 

Violation : Per Regulation XXXX, once a check is verified, the " Doubtful Collectibility '' exception is no longer valid. Retracting a mandated release after verification is an intentional violation of funds availability laws. 

Hardship : I am facing immediate financial penalties on debt due today. I request an immediate emergency override to restore the {$270.00} legal minimum.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 CXX/XX/XXXXe XXXXd - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

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 2026-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I attempted to purchase a vehicle and arrived at the dealership with a valid pre-approval from XXXX XXXX. I did not request, authorize, or consent to my credit being submitted to additional lenders. I was not informedverbally or in writingthat my credit would be run beyond my existing pre-approval. 

Despite this, the dealership submitted my credit application to multiple third-party lenders without my knowledge or authorization in an attempt to shop for a better rate, which I neither requested nor needed. As a result, numerous hard inquiries were placed on my credit report that are inaccurate, unauthorized, and misleading. 

These inquiries have inflated my total inquiries to XXXX and are materially harming me by interfering with my ability to qualify for a residential mortgage. I am disputing these inquiries as unauthorized and request their immediate removal under the Fair Credit Reporting Act ( FCRA ). 

I am requesting that the CFPB investigate the dealerships credit-submission practices and require removal of all unauthorized inquiries, along with confirmation that this conduct will not continue.

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 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
XXXXXXXX XXXX XXXXT is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXXXXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Absolute Resolutions Corp.
State: IL

Complaint narrative:
I, XXXX XXXX XXXX, a natural living being and the secured party and trustee of the XXXX XXXX XXXX, hereby issue this formal Notice of Objection and Request for Verification regarding any and all alleged debts claimed to be owed by me, or any estate or account associated with my name or identifying information.This letter serves as a lawful demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, requesting complete verification and validation of any alleged debt. I have not received sufficient proof that any alleged obligation exists, nor have I consented to the collection or reporting of such alleged debts to any third parties.This Notice serves as my formal declaration that:1. I do not acknowledge any alleged debt without full verification, including a signed contract or agreement bearing my wet signature.2. I object to any attempt to collect, report, or assign any alleged debt without proper validation.3. I reserve all rights under federal and state law, including protections under the Constitution of the United States and the FDCPA.

Company response to consumer: Closed with explanation