vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: MD

Complaint narrative:
I am filing this complaint to formally dispute a fraudulent {$17000.00} auto loan that appears on my credit report. This account was opened without my knowledge, authorization, or consent and is the result of identity theft. My former partner used my personal identifying information to obtain this vehicle and financing without my permission. I did not apply for this loan, co-sign any documents, authorize the use of my information, take possession of the vehicle, or make any payments toward this account. I did not benefit from this loan in any way. I only became aware of this account after it appeared on my credit report and had already gone into collections. The presence of this fraudulent {$17000.00} debt has severely damaged my credit profile, negatively impacting my ability to obtain housing, credit, and other financial opportunities. I am formally disputing this account in its entirety. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that the creditor and/or collection agency provide verifiable proof that I knowingly and willingly entered into this loan agreement. This includes a signed contract bearing my legitimate signature and any documentation showing that I personally authorized this debt. If they are unable to provide clear and valid evidence of my authorization, this account must be immediately removed from my credit reports with all credit reporting agencies. I am prepared to provide an identity theft affidavit and a police report to support my claim if necessary. I respectfully request that the CFPB investigate this matter thoroughly and require the reporting company to either provide proper verification or permanently delete this fraudulent account from my credit file. This is not my debt, and I should not be held financially responsible for fraudulent activity committed by another individual.

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 2026-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: CO

Complaint narrative:
This company has set me up for failure. They refused to change the date to the day that I got paid.And they kept making up excuses on why they could not do that.And it caused me to have it repossessed.I was getting assessed fees from the bank and from them. The reason why they claim that they were not able to notify me is because I put a do not contact on my file. But my the problem is this company had no issue sending me paperwork after the car was sold? Why not send me paperwork before or during the process or before? This company did not provide me a fair chance to stop this process again. If this complaint requires that I provide more information i will be more than happy to provide all the paperwork that I received including the last letter stating that it was sold and what my amount was due.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: MS

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 XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery Associates is reporting a collection account on my credit report related to an alleged Bank of Missouri credit card account. I requested validation of the debt. The documents provided only include billing statements from the original creditor and do not establish that Portfolio Recovery Associates owns the debt or has legal authority to collect or report the account. No bill of sale, assignment documentation, or proof of ownership was provided. Without proof of ownership or assignment, Portfolio Recovery Associates can not legally report this debt under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. I am requesting deletion of this account from all credit reporting agencies due to lack of proper validation and failure to demonstrate legal ownership of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: AL

Complaint narrative:
Ive been hospitalized for the last few weeks.. I had money deposited into my account. When I got out the hospital trying to pay bills my money was spent and I noticed transactions I didnt know what they were.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: FL

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 to my credit file and is against my rights and 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 2026-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: VT

Complaint narrative:
On XX/XX/XXXX I refinanced my XXXX XXXX crosstrek wilderness with east rise XXXX XXXX. The original loan was through Santander. They have confirmed that they received the check and asked me to fax them a front and back copy of the check about a month later. I sent them the tracking number for the check, the amount for the check, the day and time it was delivered. The front and back copy of the check was faxed to them. It has been a month and a half and I can not get an answer as to why my account is not paid off. Im currently having to pay my original loan and my new loan that I refinanced. I have spoke nem employee number XXXX and she informed me she is not sure where the check is or what happened to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of a Capital One account that is currently appearing on my credit report. Capital One Bank USA Account XXXX : XXXX This account previously appeared on my credit report and was removed following a dispute investigation. After the account was deleted, it was later reinserted and is now being reported as a charged-off account. Under the Fair Credit Reporting Act ( FCRA ) XXXX ( a ) ( XXXX ) ( B ), information that has been deleted from a consumers credit report XXXX not be reinserted unless the furnisher certifies the accuracy of the information and the XXXX XXXX XXXX provides written notice to the consumer within XXXX business days of the reinsertion. I never received any written reinsertion notice regarding this account. Because the proper reinsertion procedures were not followed, the continued reporting of this account raises serious concerns regarding compliance with the Fair Credit Reporting Act. Additionally, I have not been provided with documentation demonstrating that Capital One has verified the accuracy of the information being furnished to the credit reporting agencies. Because the required procedures under the Fair Credit Reporting Act appear not to have been followed, the reporting of this account XXXX be inaccurate and unlawful. I am requesting that Capital One investigate this matter and provide documentation demonstrating compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: KY

Complaint narrative:
I am filing this complaint regarding a fraud incident involving my XXXX Bank account and Cash App. On XXXX XXXX at XXXX pm I received a phone call from someone who identified themselves as a representative from XXXX Bank XXXX XXXX. The caller ID displayed what appeared to be XXXX Banks XXXX legitimate phone number, which led me to believe I was speaking directly with my bank. Because the number appeared legitimate and the caller presented themselves as a XXXX representative, authenticated, I trusted the instructions I was given. During the fraudulent call, the individual asked me to confirm my Cash App username and review my transaction history. While on the phone, I accessed my Cash App account and confirmed that funds had been transferred from my XXXX account to my Cash App account. Those funds were then transferred from Cash App to an unknown third party. At the time, I believed I was cooperating with XXXX Bank to verify and resolve suspicious activity. I did not know that the caller was impersonating XXXX Bank as part of a scam. The caller used a spoofed phone number that appeared to be XXXX Bank in order to gain my trust. The call dropped for some unknown reason, so I called back. The representative said no one from XXXX XXXX XXXX called me and advised me to go to my branch. I immediately went to my branch and filed a claim. My funds were put back into my account a few days later. Cash app sent me an email XXXX XXXX and denied the claim, but I wasn't too concerned about them because XXXX reimbursed and advised me not to worry about Cash App. Well, this morning ( XXXX XXXX ) the claim was reversed by XXXX. The explanation provided was that I confirmed my Cash App XXXX and accessed my transaction history, which they interpreted as authorization. I respectfully disagree with this conclusion. My actions occurred because I believed I was speaking with XXXX Bank and was following instructions from someone I believed to be a bank representative. I never knowingly authorized money to be sent to an unknown individual. The funds were transferred from my XXXX account to Cash App and then immediately sent to an unknown party that I do not know and did not intend to pay. This situation involves impersonation fraud and caller ID spoofing. I am requesting that this matter be reviewed again and that both XXXX Bank and Cash App investigate the fraudulent activity and the receiving account. Today I also filed a complaint with XXXX XXXX Police XXXX. This incident has caused significant financial and emotional stress. I respectfully request assistance in reviewing this matter and determining whether additional protections or recovery options may be available.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Forest Recovery Services 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 ) XXXX, 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 : 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 to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I opened a bank account with BMO bank account I read all the terms and when I originally started the account I was told that there was XXXX council open and I didn't open XXXX of them they said it'd be fine it wouldn't affect my bonus and it does XXXX days from now they have {$4000.00} within deposits call back a month later they said it's a XXXX days but I'll still get my bonus because there was XXXX checking accounts and XXXX savings accounts call back a week ago they said it was because I was going to get the bonus because I didn't put my IDs in time even though I did that call back today and told that I didn't have enough money to deposits even though I had XXXX plus every time it's different

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 2026-03-04 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:
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 ) XXXX, 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 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. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 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: OH

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 ) XXXX, 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 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. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Outsourcing, Inc.
State: MI

Complaint narrative:
Receivables Outsourcing , LLC is attempting to collect a medical debt that is not valid. The alleged date of service of XX/XX/XXXX corresponds to a canceled appointment. No medical encounter occurred, and the provider has not produced documentation showing that any services were rendered on that date. The charge at issue is a facility fee, which requires proof of patient registration and physical presence. No such records have been produced despite a formal XXXX XXXX of XXXX request. I disputed this debt in writing and requested validation in XX/XX/XXXX. Receivables Outsourcing , LLC failed to provide adequate validation. The documentation they provided contains inconsistent account numbers, mismatched dates of service, and relies solely on insurer claim data rather than documentation of an actual medical encounter. The Explanation of Benefits issued by my insurer reflects only XXXX services for the relevant time period, while the collectors materials reference XXXX services and conflicting account identifiers. Because the documentation provided is inconsistent and does not demonstrate that any service occurred on the alleged date, the debt remains unverified. I request that the CFPB require the company to cease collection activity and correct any records related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
They have a predatory behavior. As a mortgage servicer that often handles loans that have been transferred, or those in escrow, or the loan balance is not decreasing. Extremely Poor Customer Service : staff is rude, an providie conflicting information with Escrow report that SPS failed to pay property taxes or homeowner 's insurance on time, despite escrow accounts being properly funded, leading to potential, or actual, tax liens and late charges. I'm having difficulty with payments and that payments are not applied correctly therefore creating no movement in actual payoff balance due not decreasing, money is being moved around in a nefarious way!!! Causing the consumer XXXX of dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collections Enterprise, Inc.
State: VA

Complaint narrative:
I am disputing a collection account being reported by American Collections Enterprise for approximately {$5200.00} related to a rental property. The lease associated with this property was rewritten and my name was removed. I was no longer a responsible party under the lease agreement. Another individual remained on the lease and was responsible for the property and any damages that occurred after that time. Despite this, the collection account has been placed on my credit report under my name. I previously disputed the account through the credit bureau, but the account continues to be reported without documentation proving that I am legally responsible for this debt. I am requesting that the company provide documentation showing my legal responsibility for this debt, including a lease agreement showing my liability and an itemized list of damages. If this documentation can not be provided, I request that the account be removed from my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Fees or costs after closing
Company: AMERISAVE MORTGAGE CORPORATION
State: NJ

Complaint narrative:
I applied for a loan with XXXX and specifically asked if the {$500.00} fee was refundable, he told me it was, if the loans not process through '' I am requesting tht the call be monitored Initially, he proposed a XXXX XXXX year mortgage then when i started to sign discolsures realied it was only {$60.00}, XXXX luckilty i caught that. Once i inquired about the refund he stated oh we are going to fix it to get what you wanted. Even though it was now a XXXX year instead of a XXXX year, i decided to still move forward and not make a big issue. Now the loan has been denied and XXXX ignore all of my emails and finnalyy returned a call today and said he had no supervisor he could not give me further information and he was done speaking on the call. I called back and was able to get your information. if XXXX is a true representation of your compnay, then XXXX pray for us all However if these false manipulative tacts are what you expect and train your staff to do, this is ridiculous. However I am trying ot reach legal in order to have my attorney ensure my claim is filed for a refund plus fees and mental anguish. He lied, if he XXXX XXXX assured me the fee was not refundable, I simply would have XXXX XXXX other options. I asked XXXX XXXXXXXX and he lied.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation