vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
I had {$2900.00} in my chime account split between my savings, credit builder XXXX checking accounts.I received a message from chime about a transaction that seemed suspicious, it asked me XXXX reply with no if I didnt authorize XXXX texted no, XXXX received a phone call shortly after with someone claiming XXXX be from XXXX person told me they would restrict the account XXXX my funds would be XXXX moved {$67.00} from the {$2900.00} XXXX then my money was taken out of the account altogether.I filed XXXX different disputes XXXX they denied them, I did ask for them XXXX be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I am disputing this account as inaccurate XXXX request full validation, including the original signed agreement XXXX complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled XXXX receive verification of the debt you claim I owe. I dispute the validity of this debt XXXX, as such, I am exercising my rights under the FDCPA XXXX seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. XXXX that you are licensed XXXX collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS 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 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
about Chase bank and XXXX beneficiary money. In XXXX XXXX deposited the benefit money in my savings account with Chase. The direct deposit was in my name and the person who dieds name plus the word estate. The bank never told me to open an estate account even after I questioned it. Honestly, I was clueless. When the money hit my account Chase closed my account saying it was fraud. It has been 7 months of complete Agony. No one will help me. I call 1-2 times a week and get another person in the fraud department. I document everything. They put me on hold, hang up on me and transfer me. All the while I have to repeat what is going on over and over again. They say they cant send it back to XXXX so they can reissue it because it wasnt a check it was a direct deposit. I will continue to fight. I filled a claim with the XXXX and an executive from Chase called and acted like he would help but then stopped returning my calls. I have been to several different Chase banks and the tellers and personal bankers have tried to help and also can not get anywhere. At one point the bank said they would let me open a trust account and transfer the money. But then when I went there they refused saying Chase will never bank with me again. Chase is not my normal banking institution. It was the deceased persons bank so I thought it would be easier. So here I am trying to get this money. I am emotionally spent over this. I am owed the money plus all the interest they are collecting on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
Subject : Complaint Against Ability Recovery Services LLC Failure to Validate Debt and Improper Credit Reporting I am filing this complaint regarding Ability Recovery Services LLC and their attempts to collect an alleged medical debt and report it to credit reporting agencies. I have disputed this alleged debt and requested validation. The company has claimed that they mailed validation to me ; however, I have never received any documentation verifying the debt. When I contacted the company by phone to request verification, representatives repeatedly hung up on me and accused me of harassing them simply for asking for information about the account alone with threatening to put me in jail if I called them again along with damaging my credit During these calls, I was also told that Ability Recovery Services does not own the debt. Despite stating they do not own the debt, they have continued to attempt collection and have reported the account to credit reporting agencies. This conduct raises serious concerns under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) regarding their failure to properly validate the debt, as well as potential violations of 15 U.S.C. 1692e for misleading statements about the debt and their authority to collect it. Additionally, the account is being reported on my credit report despite the debt being disputed and unverified. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), companies that furnish information to credit reporting agencies are required to conduct a reasonable investigation of disputed debts and ensure the information they report is accurate. At this time, Ability Recovery Services has failed to provide any documentation proving that this debt is valid or that they have legal authority to collect it. I am requesting the following actions : 1. Immediate validation of the alleged debt, including documentation from the original medical provider. 2. Proof that Ability Recovery Services has the legal authority to collect this debt. 3. Immediate removal of this account from all credit reporting agencies if proper validation can not be provided. 4. Investigation of Ability Recovery Services conduct for potential violations of federal consumer protection laws. I respectfully request that this matter be investigated and resolved promptly. Sincerely, 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 2026-03-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting by GM Financial. My XXXX credit report currently shows this account as 30 days late XX/XX/year>. However, when I contacted GM Financial directly, their representative informed me that XXXX was not late on the account. Despite this confirmation, the account continues to be reported to XXXX as 30 days late XX/XX/year>. This reporting is inaccurate and misleading because XXXX itself was not late according to the information provided by the creditor. Additionally, the credit report reflects payment activity during XXXX, which further creates an inconsistency between the reported delinquency month and the payment timeline. Under the Fair Credit Reporting Act, furnishers are required to report information accurately and correct inaccurate or misleading information when notified of a dispute. I am requesting that GM Financial investigate and correct the reporting by removing or correcting the 30 days late XX/XX/year> notation currently appearing on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
Account # XXXXXXXX XXXX XXXX Amount {$500.00} To Whom It May Concern : I am formally disputing the accuracy and validity of the above-referenced account that your company is reporting. This account is being reported as a collection for XXXX XXXX which I do not recognize. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following : Validation of the debt, including : The original creditors full name and address A complete itemization of the amount you claim I owe Proof that I am legally responsible for this debt A copy of any agreement bearing my signature Verification of your legal authority to collect this debt, including proof of assignment or ownership. Until you provide complete validation, you must cease all collection activities and stop reporting this account to any credit reporting agency, as required under 15 U.S.C. 1692g ( b ). If you can not provide proper validation, or if the information is inaccurate or unverifiable, you must immediately delete this account from all credit reporting agencies under your obligations in the FCRA ( 15 U.S.C. 1681s-2 ). Please send all requested documentation to the address listed above. I expect your response within the required time frame.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
CFPB COMPLAINT ADDON Wells Fargo Ignored ATM Location Provided on XX/XX/year> at XXXX XXXX In addition, Wells Fargo representatives asked Detective XXXX whether they knew if I deposited into a Wells Fargoowned ATM and whether I received a receipt. This is misleading because Wells Fargo already had this information. On the night of XX/XX/XXXX at XXXX XXXX, immediately after the deposit, I provided the fraud department with the exact location of the ATM where the deposit occurred. The fraud representative confirmed the ATM location and instructed me to go to the branch associated with that ATM, which I did as soon as it opened. This proves Wells Fargo had full knowledge of the ATM location from the very beginning. Furthermore, in CFPB Complaint # 2, I already addressed the receipt issue and the ATM location, and I attached the initial sheriffs report, which also contained this information. Despite having all of this documentation, Wells Fargo told Detective XXXX they were not sure whether the ATM was theirs and asked him whether I had a receipt. These statements contradict their own records and demonstrate that Wells Fargo either failed to review the evidence I submitted or failed to communicate internally. These contradictions undermine the credibility of all prior determinations and show that no meaningful investigation was conducted. I have attached the email that Detective XXXX sent me after this occurred on Monday, XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I received a call from Wells Fargo XXXX XXXX stating there was suspected fraud on my XXXX XXXX they were the fraud unit XXXX going XXXX help me " cancel '' the suspicious activity. I now know this call was fraudulent, at the time receiving case Numbers XXXX cancel codes XXXX help cancel the activity, i logged into my online banking XXXX was trying XXXX assist by enter these cancel codes into XXXX. I did not give nay of my banking information or codes received XXXX the caller however I did enter the code into my XXXX account that deducted {$500.00}. Below is the charge that came XX/XX/XXXX XXXX * XXXX XXXX XXXX XXXX ON XX/XX/XXXX REF # XXXX The cancel code that was given XXXX me was XXXX, the email that was given was XXXX. I realized XXXX the money came out of my account that I had been frauded. I hung up on the caller they immediately called me back stating that they were trying XXXX help me this was in no way fraud. I told them I was on the phone with my bank as we speak XXXX they hung up on me. I told Wells Fargo what had happened XXXX opened a claim with them, they from the get go told me basically that the amount was nominal that came out XXXX I authorized the transaction so I most likely would not get this money back. I did not authorize this {$500.00} withdrawal. I honestly thought it was the bank doing good trying XXXX help me stop fraud on my behalf. {$500.00} is a large amount XXXX me XXXX I very disappointed in the help in trying to resolve this matter with Wells Fargo.

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 2026-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
I am filing this complaint regarding improper payment handling XXXX unfair restrictions placed on my account by Kia Finance America. On XX/XX/year>, I made my scheduled car payment manually, early. A few days later, Kia Finance America processed an additional payment through autopay on XX/XX/year>. I was not informed beforehand that autopay would still process if it was not canceled in advance. This was only explained XXXX me after the XXXX payment had already been withdrawn, which resulted in an unintended duplicate payment. When I contacted Kia Finance America about the duplicate payment, their representative instructed me XXXX contact my bank XXXX stop the XXXX payment. Following their instructions, I contacted my bank, XXXX XXXX XXXX, and asked them XXXX stop only the XXXX duplicate payment. However, XXXX XXXX XXXX made an error and stopped both payments instead of just the XXXX XXXX. XXXX XXXX XXXX acknowledged this mistake and confirmed that the error occurred on their side. They also communicated with Kia Finance America XXXX admitted responsibility for the mistake. Despite the bank acknowledging their error, Kia Finance America has now penalized me by disabling my ability XXXX use autopay. Because of this restriction, I am now forced XXXX make payments using a debit card XXXX pay an additional processing fee. When I contacted Kia Finance America XXXX explain the situation XXXX request that autopay be reinstated, I was told there would be no exceptions because a payment had been reversed. I explained that the reversal was not initiated by me intentionally XXXX was the result of a bank error after I followed Kias instructions XXXX contact the bank. The representative I spoke with was dismissive and refused XXXX escalate the issue or consider the documented bank error. This situation is unfair for several reasons. I followed XXXX XXXX XXXX instructions to contact my bank XXXX stop the duplicate payment, the bank has acknowledged that the payment reversal was their mistake, Kia Finance America is still penalizing me for an error that was not caused by me, XXXX I am now being forced XXXX pay additional payment processing fees because XXXX has been 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 2026-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
Case was filed in court Mariner Finance did not respond within the required 20 days. When I filed motion for default. They produced a document of a computerized signature of my name ( in court XXXX XXXX ) that I signed for arbitration. I explained to the court I am unaware of this signature and this is a sham. I received the motion on XX/XX/year>, that they motioned for on XX/XX/year>, Mariner Finance certificate of Service documented the motion was mailed to me on XX/XX/year>, they have 4 lawyers on the case with paralegals and Secretaries. There is EXCUSES for this error or FRAUD on a certificate of Service. I have requested a date for arbitration and have received NOTHING Mariner Finance have asked for a dismissal if a Arbitration is not done in 90 days we are at day 28 today

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
A plumber sold me " XXXX interest if paid in 60 months '' financing that came from Service Finance Company LLC, as being no interest on {$14000.00} ( plus {$49.00} ) if paid in full within the loan term, as with many other finance products I have used over the course of time. I understood the numbers on the paperwork I quickly reviewed as saying the 60 month term could be achieved at {$230.00} monthly. When the loan originated I was receiving paper bills and emails, and, using their confusing website dashboard, I made several multiple payments over the course of a few months, which, by the time I realized my overpayments, was actually averaging up to {$390.00} per month. Since there is no benefit to me to pre-pay the balance, interest doesn't become chargeable unless I fail to pay in full at the end of 60 months, I began to slowly reduce my payments to bring the balance owed into line with what was paid. I never skipped a month, and the monthly average of what I had paid them was never less than their equal payment number of {$230.00}. Last year ( 2025 ) they started harassing me by phone with a recording saying I was in arrears and reported me to the credit bureaus. I tried to reach someone by phone to no avail, and eventually emailed the people at Truist bank that oversee Service Finance Company , LLC, and disputed with the credit bureaus. Their " dashboard '' numbers are confusing and incorrect. They straightened it out on their side and with the bureaus, however, their website continued to mis record payments going forward from there. I emailed the person that had helped previously, but was told they would not help me again. I sped up my attempt to zero out the overage on the average monthly payment and get the numbers back to even. As of my XX/XX/XXXX payment ( 27 months ), I paid them the exact amount ( {$6300.00} ) I would have if I had paid them 27 months at {$230.00}. The balance remaining was {$7700.00} for 33 more months at {$230.00}. As of last week, I am starting to receive the same robocalls as last year, their numbers are very wrong and make no sense, and I don't want them to report me again to the credit bureaus for money I don't owe them. I just want them to report my data accurately so I can move forward with my life. They also have a payment attributed to me that I didn't make ( {$200.00} on XX/XX/XXXX? ), but they don't include that amount in the total they say I've paid to date ( which is the correct amount {$7200.00} of {$14000.00} ), and they don't reflect the accurate number of months remaining of accurate principal balance ( {$6700.00} over 29 months ).

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 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement XXXX complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant XXXX the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled XXXX receive verification of the debt you claim I owe. I dispute the validity of this debt XXXX, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. XXXX that you are licensed XXXX collect debts in.

Company response to consumer: Closed with explanation