vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
SECURITYCRED XXXX XXXX XXXX XXXX, XXXX XXXX, Validation of Debt Request - SECURITY CREDIT SERVIC - XXXX * XXXX 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. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
My last contact with PenFed instructed me to contact XXXX ( the recipient of my funds ) for the status of recovering my funds ( total {$35000.00} ). On XX/XX/year>2026 I was finally able to get through the correct individual ( XXXX ) at XXXX. XXXX informed me they had requested a UIA form from PenFed on XX/XX/XXXX. They received the UIA but it did not contain the date of the transfer. PenFed was notified. When XXXX received nothing the closed the case on XX/XX/XXXX. PenFed needs to IMMEDIATELY send XXXX a complete and accurate UIA form so XXXX can take appropriate action to restore my stolen funds.

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 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

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 2026-02-25 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica
State: NY

Complaint narrative:
I have a hold on my Direct Express card. They can not access my account. Ive provided my birth certificate and SS card 3 times for verification and they can not help me or access my account. They hung up on me and are No help. Im on the verge of getting XXXX and cant pay my bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
Statement of Fact : For Background I am a practicing attorney ( MI XXXX XXXX ) filing this complaint due to Huntingtons bad-faith procedural engineering of a negative account balance, their failure to credit received electronic deposits, and their refusal to allow me to voluntarily close my account despite a full tender of payment. Procedural Denial of Access : On XXXX XXXX, 2026, Huntington placed a " hold '' on my account and revoked my online banking credentials without notice. This " procedural blackout '' prevented me from managing my balance or revoking existing electronic authorizations. Failure to Credit Deposits ( Regulation E Violation ) : Bank text alerts confirm Huntington received {$1000.00} in XXXX deposits on XXXX XXXX, 2026. However, the bank failed to apply these credits to my ledger, which affirmatively caused the account to enter a negative state while they continued to allow third-party debits to post. Under Regulation E ( 12 CFR 1005.11 ), the bank has a mandatory duty to investigate and resolve this missing credit error. Bad-Faith Engineering of Overdraft : By affirmatively rejecting my attempts to fund the account ( reversing valid XXXX deposits XXXX while simultaneously allowing debits to hit, Huntington intentionally engineered an overdraft state to justify an involuntary closure. Refusal of Voluntary Closure : On XXXX XXXX, 2026, I appeared in person at the XXXX XXXX branch and tendered {$520.00} in cash to bring the principal balance to exactly {$0.00}. The branch manager attempted to code the closure as " Voluntary '' but was blocked by an automated " Force Close '' ( XXXX XXXX ) already in progress. Inaccurate Reporting ( FCRA ) : Any reporting of this closure as " Involuntary '' or " Risk-related '' to ChexSystems or Early Warning Services ( EWS ) would be factually inaccurate and defamatory. I settled the balance in full before the bank officially terminated the contract. Furthermore, the account summary explicitly states the account is " No - CRT Certified, '' proving there is no human determination of fraud to justify an involuntary risk-based closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
I'm filing a complaint against LVNV FUNDING because they are reporting a collection account ( original creditor listed as 01 COMENITY CAPITAL BANK MY PLACE, account ending in XXXX ) that is completely unverified. I never gave permission for them to report anything to the credit bureaus. After I was notified of this collection, I immediately requested proper validation. But they didnt provide anything, no signed agreement, no breakdown of the amount theyre claiming I owe, and no proof they have the legal right to collect this debt. Thats a direct violation of 12 CFR1006.34 ( b ) ( 5 ) of Regulation F, which says collectors must provide full debt verification when the consumer requests it. They also failed to give me a fair opportunity to dispute it, violating 12 CFR1006.34 ( c ) ( 4 ) ( i ). Even though they didnt validate the debt, they still went ahead and reported it to the credit reporting agencies. That is both deceptive and illegal under the Fair Credit Reporting Act, specifically XXXX5 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), which says they cant furnish information to credit bureaus without giving the proper disclosures and the chance to dispute it. They also violated 15U.S.C. 1681b, which says only accounts with a permissible purpose can be included in a consumer report. This account never had my permission or involvement, so theres no valid reason it should be reported under my name. This has caused serious and unnecessary harm to my credit and reputation. Im asking the CFPB to investigate this company and require them to : Stop all credit reporting related to this unverified account ; Delete this tradeline from all consumer reporting agencies ; Provide full documentation proving the debt is real, including a contract with my signature, proof of the original creditor, and proof theyre legally authorized to collect it. If this matter is not resolved, Im prepared to pursue legal action under 15 U.S.C.1681n and 1681o for willful and negligent noncompliance with the FCRA XXXX Their refusal to follow federal law should not be ignored. Please help get this account removed from my report and make sure theyre held accountable for these violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: VA

Complaint narrative:
XX/XX/XXXX XXXX XXXX ET received a message from e * trade saying call to confirm recent activity. Called immediately, I was told to upload a picture of the front and back of my ID and a selfie of holding my ID, so I did that immediately. Later that day, and on XX/XX/XXXX, called again for follow up, and they told me the back office would review the information. I asked for the reason for the restriction, and they told me, " Because it is a new account. '' This is not a valid reason. Ask for more details or talk with the review team. They told me I can not contact them. I asked for a supervisor, and I was told that no supervisor was available, and I can get a call back, but they do not know when I will get the call back, it could be antime of any date. I understand it is important to protect accounts, but I already uploaded all the requested documents. The bank should process the documents in one or two days, cause my tax return and payroll will come into this account, and if they do not unlock my account on time, that will make everything complicated and messed up. The bank should also allow contact with the verification team for details about the restriction and have supervisors available. Also, if the ID verification is the " must-do '' step, please let us do it before opening the account, instead of doing it after consumers already using the account for a while.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I applied for a new checking account with USAA after receiving a mailer for a new account bonus. The terms stated that in order to receive a {$400.00} bonus, you must open a new account, have a direct deposit of at least {$100.00} within 90 days, and they would pay out the reward within 60 days of qualifying. I opened my account on XX/XX/XXXX and met the terms by XX/XX/XXXX. Per their terms, I shouldve received my bonus by XX/XX/XXXX. When I had not received it by XX/XX/XXXX, I reached out to the customer service line, and they informed me that yes, I had met all of the terms, however, they seemed confused about their being an active bonus. I provided proof and they agreed that I should have received the bonus and put in a note on my account to have it resolved on the back end. And that I would receive it within 7 to 10 business days. On XX/XX/XXXX I still had not received any information from them nor had I received the bonus, so I reached out again. And received the exact same information. With a note that no one had done anything. And there had been no changes made to my account. on XX/XX/XXXX I reached out a third time. I received the exact same response, and was also told that there had been nothing done on my account to signify that anyone had made any progress whatsoever.

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 2026-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX, while at work, I received an alert that a {$470.00} charge was made on my Debit Card at XXXX. I did not authorize this purchase and I have never been a customer of XXXX. I called Capital One 's fraud team when I arrived home from work but had to wait until the transaction posted until I could open a claim. A few days later, I called again and my claim was opened with claim # XXXX. On XX/XX/XXXX, I received an email that my claim had been denied and Capital One would be revoking the {$470.00} credit I had received for the fraudulent transaction. I called Capital One and was told their investigation team had investigated and the order at XXXX matched my information. The agent told me there was nothing I could do and to contact XXXX. I contacted XXXX who could not locate the order with my phone number, name, home address, or email address and told me they could not help me and to contact my bank. I requested information about the investigation but the agent I spoke to at Capital One refused to provide it. I find it unacceptable that I am being held responsible for a transaction I was not involved with and that no information or proof has been provided to me about why my claim was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
CREDENCE RM XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Validation of Debt Request - CREDENCE RM - XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Complaint Against Western Funding XXXX. Identity Theft Account To Whom It May Concern : I am submitting this complaint against Western Funding XXXX regarding a fraudulent account that has been reported under my name as a result of identity theft. The account details are as follows : Creditor : Western Funding XXXX. Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance Reported : {$12000.00} Date Opened : XX/XX/year> Payment Status : Collection / Charge-Off I hereby state that I did not apply for, authorize, or sign any agreement for this loan. The individual who opened this account is not me, and this account was opened using my personal information without my knowledge or consent. This fraudulent account has caused significant harm to my credit profile and personal financial standing. I have already disputed this account with the major credit reporting agencies. However, Western Funding XXXX continues to report this inaccurate and fraudulent information. Under the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ) and the Fair Debt Collection Practices Act ( XXXX U.S.C. XXXX ), I have the right to dispute fraudulent accounts and request a full investigation. I respectfully request that the Consumer Financial Protection Bureau assist me in resolving this matter and require Western Funding XXXX to : Conduct a full investigation of this fraudulent account. Provide documentation bearing my original signature proving I authorized this loan. Immediately cease reporting this account if they can not provide such proof. Permanently delete this account from my credit reports with XXXX, XXXX, and XXXX. I am willing to provide additional documentation, including identification and an Identity Theft Report, if necessary. I declare under penalty of perjury that the information provided in this complaint is true and correct to the best of my knowledge. Thank you for your assistance and prompt attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Absolute Resolutions Corp.
State: NY

Complaint narrative:
I received a notice from the local sheriffs department for wage garnishment for debt I do not know about and I never received any court paperwork from these people. They are Absolute Resolutions Investments , LLC a debt collector! This is unacceptable for them to do illegal things to try and obtain money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
I formally dispute the accuracy, validity, and legal enforceability of this alleged utility debt. Prior to any placement with a third-party collection agency, I disputed the billing directly with the original creditor, XXXX XXXX XXXX due to unresolved billing discrepancies, lack of proper itemization, and disputed service conditions. That dispute was never resolved by the original creditor. After placement with the collection agency, I timely exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting full debt validation, including competent evidence of the amount claimed, proof of assignment, and a complete itemized billing history. I submitted these requests in writing, including certified mail. To date, the collection agency has failed to provide proper validation as required under 15 U.S.C. 1692g. Merely forwarding a copy of an original creditors bill does not constitute debt validation when the underlying charges remain disputed and unverified. Despite the unresolved dispute and lack of lawful validation, the collection agency furnished negative credit information to a consumer reporting agency. Reporting a disputed and unverified debt constitutes inaccurate reporting and raises concerns under both the FDCPA and the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681s-2 ( a ). I am requesting CFPB review of this matter, correction of inaccurate credit reporting, and appropriate action regarding collection activity conducted without proper validation while the debt remains formally disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
On XX/XX/year>, I initiated an automobile liability policy with Progressive ( Policy No. XXXX ) and paid {$50.00} to begin coverage. Later that same day, I secured a revised policy ( Policy No. XXXX ) for the same coverage period at a lower premium and immediately requested cancellation of the original policy. Progressive refunded {$21.00} but retained {$29.00} without providing a detailed earned versus unearned premium explanation. The revised six-month policy ( XX/XX/year> XX/XX/year> ) was paid in full in the amount of {$760.00}. In XX/XX/year>, prior to expiration, I declined renewal and secured alternative coverage. I did not authorize automatic renewal. Despite this, a balance of {$77.00} was later referred to Caine & Weiner Company , Inc. and reported as a collection account to XXXX XXXX, and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
My husband passed away in XX/XX/XXXX. I was not on the deed or mortgage. After he passed I paid money to bring the account current which was over {$50000.00} of my own money. It took 3 years to get the title of the house into my name. I was made successor of interest but the loan was in default again. I attempted to get payments on track but was told I had to get a loan modification. I was not able to get a loan modification without assuming the loan. When I applied to assume the loan I was denied because I had to have 3 lines of credit paid for a year I only had one. I have money in the bank, a full time job for 7 years and VA XXXX benefits. I was told no because of my credit. In XX/XX/XXXX I had another sheriff sale scheduled for XX/XX/XXXX. I requested a forbearance and was granted and I was told I was protected until XX/XX/XXXX. This would give me time to put the house on the market and get some of my money back. My lawyer noticed that the sale date was not postponed. He was told 1 day before the sale that the forbearance was a mistake and they never should have said I had one. My issue is if I would have known that I could not take over the mortgage I never would have put over {$50000.00} cash into it. I was falsely told that I had a forbearance that gave me 3 months. I would have put the house on the market and sold it, there was potentially {$100000.00} of equity in it. Now the mortgage company went through with the sheriff sale. And I might get nothing. Even though there was equity, and I put money into. Had I known it would never go through, I would have kept my money and just sold it. The other issue is the mistake of saying I had a forbearance when I didnt. I was told I had 3 months. But they claim that was a mistake. I had a realtor ready to go and would have been able to sell.

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 2026-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MD

Complaint narrative:
Student loans was supposed to be forgiven do to me working in a field over 15 years and none was forgiven

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation