vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nRE: Formal Dispute of Inaccurate Credit Reporting \n\nTo Whom It May Concern, \n\nI am writing to formally dispute inaccurate information appearing on my credit report. \n\nThe account listed below is being reported incorrectly and must be investigated: \n\nCreditor: MIDLAND Credit Managed \n\nOriginal Creditor: XXXX XXXX  \n\nAccount Number: XXXX \n\nReported Balance: XXXX  \n\nStatus: Collection Account \n\nI dispute this account in its entirety. The information reported is inaccurate and/or incomplete. Pursuant to the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681i, I am requesting that you conduct a reasonable investigation into this matter. \n\nSpecifically, I request verification of: \n\nThe original signed contract bearing my signature. \n\nComplete payment history from the original creditor. \n\nDocumentation showing MIDLAND Credit Managed has legal assignments for this debt. \n\nProof that the reported balance of XXXX is accurate and includes no unauthorized fees or charges. \n\nIf this account cannot be properly verified, it must be deleted from my credit report. \n\nPlease provide me with written confirmation of your investigation results. \n\nEnclosed are copies of my identification and proof of address to assist with your investigation. \n\nThank you for your prompt attention to this matter. \n\nSincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 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: Comerica
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX in XXXX XXXX XXXX  signed and accepted my certified delivery of all verifying documentation required by them for me to obtain my XXXX  husbands balance and the transaction history or statements for his card. I am handling XXXX  as the administrator. They have the forms verifying. Statements from XX/XX/year> - date of account closing are needed, after which the validated remainining balance will be needed. They sent a check with no statements or history. The check is not consistent with husbands documents. I paid my probate attorney to then a formal request enclosing Letters of Administration from the court of XXXX XXXX, they signed for this delivery in XXXX. but again, l no compliance from them. No reply, no explanation. This cost me additional hourly fees from the attorney. I have the service number assigned by Comerica Bank, which they did send me in the mail. My husband passed in XXXX. this is going on far too long I know there have been ethical issues, class action suits with this company. I only recently learned this. I do not want to have to pay an attorney to take this to the judge for enforcement as it will be very expensive, and I will expect Comerica to pay for this for failure. I am even listed as the beneficiary on my husbands account through SS.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: VA

Complaint narrative:
There was an email used with this account in the name of XXXX I never created I checked my credit report and seen a XXXX balance but I never opened the account it self. due to technology there is an ability to check previous bank history with this account and documents to verify signature and cameras are available to show actual face of the person in use of forging the signature if so and proof of electronic documents with application ip address to which phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I purchased a used vehicle, was told I had to add the financers warranty to recieve the loan .. XXXX weeks after buying the vehicle the motor was bad. I over the year I had it called multiple times about the loan and warranty.. was told nothing i could do about the loan and to use the warranty .. XXXX different mechanic shops tried to use the warranty and was denied .. the warranty was a full warranty that definitely should have covered the motor .. In the entire year I had it it was driven less than XXXX miles and that was back and forth to shops to be worked on. The loan was for a XXXX. Vehicle, i have paid over XXXX over the past year. When I Contacted them again saying the warranty STILL will not help, I can not keep paying on a vehicle that I haven't been able to drive and YOUR warranty will not cover even though I paid {$2000.00} for it and I've put over {$4000.00} into parts and labor and have paid over {$5000.00} in my loan payments. So they asked if I wanted to do voluntarily repossession. I told them i have no other choice. NOW they sent me a letter stating they sold it for {$1700.00} ... and want ME to pay another almost {$9000.00}!!! I can not do that! If I could afford to pay XXXX for something I dont have ... i would have just kept the vehicle I couldnt drive for less!

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 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I am submitting this complaint regarding Wells Fargos handling of a debit card dispute involving an electronic fund transfer to XXXX XXXX XXXX in the amount of {$970.00}. 

The vehicle purchased was advertised as Run & Drive with only minor cosmetic damage disclosed. After taking possession and attempting normal operation, the vehicle exhibited severe mechanical defects that directly contradict the Run & Drive representation. 

A licensed repair facility in XXXX XXXX conducted a diagnostic inspection and documented : Transmission failure causing the vehicle to remain stuck in first gear and unsafe to operate Radiator leak compromising engine safety Extensive internal rust and corrosion The shop declined repairs due to safety concerns and stated the vehicle would not be safe or reliable to drive The transmission repair alone is estimated at approximately {$2800.00}, rendering repair economically unreasonable. 

This dispute is based on material misrepresentation of the vehicles functional condition at the time of sale, not dissatisfaction, wear and tear, or buyers remorse. 

I timely notified Wells Fargo of the dispute and requested an investigation. Wells Fargo denied the claim stating the merchandise was delivered and matched the merchants description. However, the bank did not request or review supporting documentation, inspection reports, photographs, or other evidence prior to closing the case. 

I escalated the matter to Wells Fargos Executive Complaints Office, yet the case was again closed without a meaningful investigation or review of the professional inspection findings. 

Under the Electronic Fund Transfer Act and Regulation E ( 12 CFR 1005.11 ), financial institutions must conduct a reasonable investigation when a consumer reports an error involving an electronic fund transfer. A reasonable investigation requires review of relevant evidence and circumstances surrounding the disputed transaction. 

Wells Fargo failed to conduct a reasonable investigation and did not review material evidence demonstrating that the goods received were materially misrepresented. 

I respectfully request : Reimbursement of the disputed transaction A proper investigation consistent with Regulation E requirements Correction of the account error

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 2026-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: PA

Complaint narrative:
Eastern Account Services filed a collection notice with XXXX XXXX. They never attempted to reach out to me. It is a XXXX XXXX debt and I have never had a XXXX account. This was verified with XXXX. However XXXX could not provide me with any letter stating this because Ive never had an account. They did let me take a picture of their computer screen that shows that I am not in their system.

I have filed a report of identity theft with Identitytheft.gov.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am requesting formal investigation under Regulation E error resolution requirements. 

I authorized certain debit transactions to XXXX XXXX. However, these payments were made after XX/XX/year> for an online sweepstakes gaming service that became unlawful to operate in California under AB 831 now codified in Business and Professions Code 17539.1 and Penal Code 337o. The law makes it unlawful to operate or offer this type of service and unlawful for entities to knowingly support its operation in this state. 

Because the merchant continued accepting payments after the service became unlawful to provide, these transfers were for services not legally rendered. Under the Electronic Fund Transfer Act and Regulation E, a consumer may assert an error when funds are transferred for goods or services not provided as agreed or not legally provided.

Chase closed my dispute and instructed me to resolve the matter with the merchant without conducting a formal Regulation E investigation or providing written findings. I am requesting that Chase conduct a proper investigation and provide a written determination. 

I have also filed a complaint with the California Department of Justice regarding this merchants continued acceptance of payments after the activity became unlawful in California.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ARS National Services, Inc.
State: NJ

Complaint narrative:
I am filing this complaint because ARS National Services , Inc. is attempting to collect an alleged XXXX XXXX XXXX XXXX account ending in XXXX that I never authorized and never consented to. This account was reported and pursued without my knowledge, and it is causing serious financial harm and emotional distress. My credit standing has been damaged, my ability to access financing has been impacted, and I am left dealing with a debt that I do not recognize. I am formally requesting full validation of this alleged debt, including complete documentation establishing legal liability and clear proof of your authority to collect. No proper documentation has been provided to support this claim. Continuing collection efforts without first providing proper validation violates 15 U.S.C. 1692g of the FDCPA. Attempting to collect without demonstrating a lawful basis also raises serious concerns under 15 U.S.C. 1692e regarding false or misleading representations. I am equally concerned about how ARS National Services , Inc. obtained and is using my personal information without a clearly established permissible purpose. Pursuing collection or reporting this account without proper verification undermines federal consumer protection standards. This situation has created unnecessary financial stress and disruption. I expect immediate cessation of all collection activity unless and until full, lawful validation is provided. If this conduct continues, I am prepared to pursue further legal remedies for violations of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I opened a dispute with my bank on XX/XX/XXXX, under the case number XXXX, I sent all the documentation requested, invoice, refund receipt, voided voucher and email from the merchant.

I cancelled the service under the store refund/cancellation policy, they accepted the cancellation and was issued a full refund receipt. 
I never received a letter with the results of the investigation, I just noticed that the provitional credit was reversed. So I called customer service to reopen the case/second review on XX/XX/XXXX but I cant see any case reopened on my online banking. 
It looks like that the second review was never processed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Albert Corporation
State: CA

Complaint narrative:
Since XX/XX/year>, I have attempted to close this payday loan account with XXXX. It is associated with all of my bank information and the company keeps charging my bank. As well, I have requested four times over the past year for the account to be closed and to stop stealing money from me as I no longer use the service and my balance is positive so there should be no issues. Their customer service basically refuses to close the account and instead tries to upsell and manipulate me into keeping the subscription, to which I have declined and insisted they simply close the account. I can not keep dealing with this as I don't need to be stolen from and I don't trust this company with my bank information especially now.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is continuing to report a tradeline originally associated with XXXX XXXX, account number XXXX, despite clear evidence within Experians own reporting that the account was sold to XXXX XXXX XXXX. 

The tradeline currently reflects all of the following simultaneously : {$0.00} balance / paid Closed / written off Company sold : XXXX XXXX XXXX Purchased by another lender Continued charge-off and delinquency history Once OneMain sold the account, it lost all legal authority to continue furnishing information. Experians continued publication of this tradeline constitutes false, misleading, and internally inconsistent reporting. 

I previously disputed this account with Experian. Despite that dispute : No deletion occurred No correction occurred No primary-source documentation was provided No disclosure of the method of verification was given Experian failed to conduct a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA ) and is now on actual notice of ongoing statutory violations. 

Why This Is a Legal Violation Experians conduct violates multiple provisions of the FCRA, including but not limited to : FCRA 611 ( a ) Failure to conduct a reasonable investigation FCRA 611 ( a ) ( 5 ) Failure to delete unverifiable or inaccurate information FCRA 623 ( a ) ( 1 ) ( A ) Reporting information that is inaccurate or misleading FCRA 609 ( a ) Failure to provide full disclosure and method of verification Reporting a sold account by a non-owner, while simultaneously displaying a {$0.00} balance and charge-off history, is legally impossible to be accurate and artificially suppresses my credit profile.

Harm Caused Ongoing credit score suppression False derogatory history tied to a non-owning furnisher Denial or impairment of credit opportunities Time, effort, and expense incurred attempting to correct unlawful reporting I have sent Experian a Final Notice of Statutory Non-Compliance with a 10-day deadline. This CFPB complaint is filed due to Experians continued failure to comply with federal law and refusal to correct or delete inaccurate reporting.

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 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am filing a formal complaint against Experian Information Services, LLC for reporting inaccurate, unverifiable, and misleading information in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

My Experian credit report dated XXXX lists eight accounts that are either inaccurate, inflated, duplicated, or unverifiable : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXal ; unverifiedownership.

These items violate FCRA605,607 ( b ) ,611 ( a ) and FDCPA809 ( b ). Experian has not provided documents proving validity or balances.

I have attached my ID, proof of address, the full credit report, and detailed dispute letters for each account. I request CFPB review and enforcement.

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 2026-02-16 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: CA

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 2026-02-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I got the Synchrony credit card through Discount Tires, upon setting up automatic payments, one of my XXXX  XXXX XXXX checking accounts was compromised and fraud was aligned to it from a wire fraud not in my fault, I had taken several months to reroute my automatic payments to new accounts, etc. due to the mess it created to me, in the meantime, payments were trying to come out of that account which was frozen and only for credits, not debits whenI realized that the payments were not suppose to come out of the old account now and should come out of the new, I would immediately still pay them. However, this bank charge me twice once XXXX next month XXXX for return fees and also closed my credit card. Note they been paid and all payments are overpaid to them and currents. I keep asking for my money back and they won't help me.

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 2026-02-16 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: CA

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a Synchrony/Paypal account . It is a 24 month promotional no interest account where the payments are split equally with a minimum payment of {$92.00} beginning in XX/XX/XXXX. Since initiating the purchase it is now considered a credit card by Paypal. I have been making on time payments since the beginning every month for the last 18 months or so but beginning in XX/XX/XXXX the minimum payment went up by {$30.00} to {$120.00}. Then last month in XXXX in went up again by {$30.00} to {$150.00}. At this time I called XXXX and expressed my frustration. I was told it would get taken care of in the next billing cycle. Once again in the next billing cycle not only was it not resolved but it went up again to {$180.00}. This is where it is currently. My payoff balance is {$180.00}. At this point I am going to pay the balance and close the account. 
I would also like to mention another Synchrony account where I have a 48 month no interest promotional account that is active where the same thing happened. In this circumstance the {$76.00} payment went to {$100.00} ( + {$30.00} ) again but it did eventually get resolved when I contacted customer service. Something odd is going on at Synchrony with their promotional offers and changing minimum payments and I wanted to notify you about it.

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