vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
I was a victim of identity theft and it was reported

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 2026-03-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Skopos Financial, LLC
State: FL

Complaint narrative:
Quite sometime ago, I applied online with this bottom feeder company for an installment loan operating under the name Reprise Financial. However ; I changed my mind, it is evident that this unscrupulous desperate poorly rated, company that charges usury deceptive interest rates/fees is harassing me to take out the XXXX loan product that they offer. I am being called at least four times a day. Immediately cease and desist all communication to XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/year> I received a Zelle payment in the amount of {$15.00} from a customer for an order that was completed and ready for pickup. The payment was sent voluntarily by the customer as payment for goods/services provided. The customer later failed to pick up the order within the agreed timeframe. On XX/XX/year>. I was notified that the customer reported the transaction as unauthorized/fraud. This claim is inaccurate, as the payment was willingly sent for a legitimate purchase. As a result of this report, my Zelle account was restricted/banned on XX/XX/year> which has significantly impacted my ability to conduct business and accept payments. I have documentation showing that the order was completed, communication confirming the transaction, and proof that the payment was authorized. I am requesting that this matter be thoroughly reviewed and that my account access be restored, as the fraud claim was false.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/year>, I deposited a check for {$1000.00} at a Wells Fargo ATM ( paperless receipt provided ). Wells Fargo placed a hold and stated Information indicates the check may not be paid. Only {$270.00} was made available on XX/XX/year>, and {$760.00} was delayed until XX/XX/year>. On XX/XX/year>, I deposited another check for {$610.00} at a Wells Fargo ATM ( paperless receipt provided ). Wells Fargo again placed a hold for the same stated reason. Only {$270.00} was made available on XX/XX/year>, and {$330.00} was delayed until XX/XX/year>. These checks are legitimate, and the repeated holds caused immediate financial harm, including inability to access deposited funds, risk of overdraft/negative balance, and disruption to paying necessary expenses. The bank did not provide a clear explanation beyond the generic statement, and the holds appear excessive and repeated even though the deposits were made days apart. I want Wells Fargo to : ( 1 ) provide a specific, written explanation for why these holds were placed ; ( 2 ) review and correct any error or improper risk flagging ; ( 3 ) release funds as soon as the checks clear ; and ( 4 ) ensure future legitimate check deposits are handled according to proper funds-availability rules without repeated unnecessary delays.

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 2026-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: IN

Complaint narrative:
I submitted my original can under Complaint # XXXX filed on XX/XX/XXXX, XXXX.This case was then sent to the creditor, who then sent me an 8-page packet ON THE CASE ( titled " XXXX '' ) which absolved me of all liability for the debt based on the information provided by the creditor on that case : - The offender presented a Wisconsin State Drivers License ( XXXX ). I live in he state of Indiana. - The Last 4 of the SSN for the individual that bounced the check and caused the debt is XXXX... again, not my SSN- The Last 4 of the checking account with XXXX XXXX XXXX XXXX, does not match and account I've ever had with the bank. I even called the bank and explained the situation and they confirmed that I am nowhere in the system Based on this information PROVIDED BY THE CREDITOR on the original case, they failed to validate the debt and have wrongfully sent me the collections notice. I have spoken to all parties involved ( the bank, the merchant, Telecheck Services and the collections agency ) and nobody seemed to understand that none of the information matches anything with my name or address. My response from Telecheck Services? " Your name and address fits the profile '' despite official government issued documentation stating the contrary. As a result they are still pursuing me for the debt. I spoke with my local police department, and was advised this is a SCAM and the actions taken where the debt was pinned to me based on a profile and not factual information, is ILLEGAL so XXXX and Telecheck Services have committed a crime while doing this. Attached at some screenshots taken from their officially provided " response '' proving this debt does not belong to me. If they continue to pursue this debt, I will be filing an official lawsuit against the company and their representatives will be required to meet me in court.

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 2026-03-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Property Receivables, Corp
State: NC

Complaint narrative:
A debt collector, Property Receivables Corp, is reporting a rental collection account of approximately {$30000.00} on my credit report on behalf of XXXX XXXX. I dispute this debt. The balance being reported is inaccurate and related to a rental dispute. I previously attempted to address the issue with the property management company before the account was placed into collections. I requested validation of the alleged debt, including an itemized statement of charges and documentation showing how the balance was calculated. The collector has not provided sufficient documentation verifying the amount being reported. Despite this, the account continues to be reported as a derogatory collection on my credit report. I am requesting that the debt be properly validated and that inaccurate information be corrected or removed from my credit report if the company can not provide documentation supporting the balance.

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

Complaint narrative:
This debt is invalid, from the information that they sent from XXXX XXXX the company close down, but before they close down, they had issued a full refund and I never received any property from that company. I have the managers number who is no longer employed there, and I also have the employees phone number who was working there and completed the The property contract, which was officially canceled, when the information was filled out XXXX stated they had issued a full refund why theres a debt on this. Im not sure so this is invalid and its falsifying information. I never received any property from this vendor so I shouldnt have to pay for something that was fully refunded and I shouldnt have to pay for property that was never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Failure to Provide Debt Validation by Credit Bureaus and Furnishers Dear Sir or Madam, I am submitting this formal complaint to request assistance and regulatory review regarding the ongoing failure of credit reporting agencies and data furnishers to provide proper debt validation, despite my repeated written requests over the past three to four years. Beginning in approximately XXXX thru XXXX, I have consistently exercised my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by submitting written debt validation and verification requests to the major credit bureaus and various data furnishers reporting accounts on my consumer credit reports. Despite these repeated requests, I have not received the required documentation validating the alleged debts. Specifically, the credit bureaus and furnishers have failed to provide : - Original signed contracts or agreements- Complete account histories - Proof of ownership or assignment of the debt - Evidence that the information reported is accurate, complete, and verifiable In many instances, the responses received consisted of generic statements indicating the accounts were verified, without providing any supporting documentation as required by law. In other cases, no response was provided at all. Nevertheless, the disputed accounts continue to be reported on my credit file, causing ongoing financial and reputational harm. This prolonged failure to properly validate or correct disputed information appears to be a systemic violation of consumer protection laws and has negatively impacted my ability to obtain credit, secure favorable interest rates, and maintain financial stability. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and require the involved credit bureaus and furnishers to : 1. Provide full and proper debt validation documentation as required by law, or 2. Permanently delete the unvalidated accounts from my credit reports Thank you for your time and attention to this matter. I am prepared to provide copies of correspondence, dispute letters, and credit reports upon request. Sincerely, XXXX XXXX Additional information provided by consumer : XXXX Company Name : Jefferson Capital Systems XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

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 2026-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally filing this CFPB complaint to dispute an unauthorized and inaccurate inquiry reflected on my credit report. I did not authorize this inquiry, I have no contractual relationship with the company that accessed my credit file, and I did not provide consent written or otherwise for my credit to be pulled. This inquiry is a clear violation of my rights and must be investigated immediately and removed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: DC

Complaint narrative:
I purchased concert tickets online in XXXX XXXX. They were due to be sent to me by XXXX XXXX. The company sent me an empty envelope. They refused to mail me new tickets. They said I could drive multiple hours to pick up new ones. The tickets were not for me. I disputed the charge with Apple Card Goldman Sachs multiple times and they keep saying that they did provide what was promised, but they didnt. I have seen multiple instances online of this ticketing company sending empty envelopes. I dont know why I would drive multiple hours when the company is already exploitative and doesnt guarantee anything including meeting the deadlines a guarantees of purchase agreement. Apple Goldman has hung up on me when I have tried to call regarding this matter now. I dont know what to do. I was scammed out of {$770.00} and they refuse to do anything. Apple separately admitted that I was clearly scammed multiple times over the phone and over their chat function but refuse to give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
ON XXXXXXXX XXXX a different person answered the response to my complaint saying they want to help me and to call them ; as normal this new person is not at work either ; i gave XXXX the very first lady who responded ALL of my personal information including my dob ; address ; phone number and ss number ; so that they would release my money from my account to a external account that i have been trying to give them and which they refuse to accept ; i also verified my phone number when XXXX called me so that they could add this to my account at capital one so i could get my money and have the restriction removed; she TOOK ALL OF MY PERSONAL INFORMATION AND HUNG UP ON ME ; SHE NEVER ANSWERED MY CALLS SHE NEVER ADDED ANYTHING TO MY CAPITAL ONE ACCOUNT THIS IS ID THEFT AND THIEFT OF MY STUDENT LOAN MONEY THAT MY COLLAGE HAD SENT TO ME ; NOW ON XXXX I AM RECEIVING THE SAME TYPICAL RESPONSE FROM OTHER PEOPLE THAT ANSWER THE COMPLAINTS AND NOTHING IS BEING DONE ;

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Branch Messenger, Inc.
State: NY

Complaint narrative:
I just signed up for and activated the new " XXXX XXXX XXXX XXXX, powered by " Branch ''. The card has been used for less than a month, and there has been two separate fraudulent actions taken on this account by the same employee representative on XX/XX/year> ; additionally, the notifications that an incorrect pin was entered was intentionally blocked on XX/XX/year>. I have funds available, and am being fraudulently blocked from accessing my money. This company just illegally committed wire fraud on my new checking account that's linked to a current employer, to where I have also experienced the same fraudulent account issues with receiving my funds. I can prove already that wire fraud has been committed on BOTH of my accounts that are linked to this employer. There isn't a " Technical Glitch '' that can possibly occur that will cause a fraudulent hold to be placed on a debit account without manual " human '' intervention ; I will not accept that a " technical glitch '' occurred, especially without proof of one occuring available. I allege a company representative deliberately placed the fraudulent holds on my funds and attempted to hide the act by blocking the app notifications; blocked the in app help chat preventing me from filing a claim; did it to aid and abed person 's who are actively cyber stalking me ; and did it for profit in the felonious amount of $ XXXX in cryptocurrency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: IL

Complaint narrative:
While trying to open a business account with XXXX XXXX I was denied being eligible for an account. The branch managers contact me personally and gave me the information to the early warning consumers company to contact on my behalf. I received a consumers report from XXXX XXXX and XXXX XXXX XXXX was listed.

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 2026-03-03 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: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting by Jefferson Capital Systems. Jefferson Capital Systems is reporting a collection account on my credit report with a balance of {$2300.00}. However, the information being furnished to the credit reporting agencies is inconsistent and inaccurate. For example : On XXXX the account is reported as an " XXXX Account '' with the account type listed as " Unknown credit extension, review, or collection. '' On XXXX the same account is reported as a " XXXX XXXX. '' Additionally, the " Date Last Active '' is reported differently across credit bureaus : XXXX reports the date last active as XX/XX/XXXX XXXX reports the date last active as XX/XX/XXXX A single account can not have multiple different classifications and activity dates. This inconsistent reporting indicates the information being furnished is inaccurate. I have also not received documentation validating this alleged debt. Because Jefferson Capital Systems is not the original creditor, they must provide documentation demonstrating their legal authority to collect and report this account. I have not been provided : documentation showing the original creditor associated with this account a complete payment history explaining how the balance of {$2300.00} was calculated documentation demonstrating the transfer or assignment of the account to Jefferson Capital Systems Under the Fair Credit Reporting Act ( FCRA ), companies furnishing information to credit reporting agencies must ensure the information they report is accurate and verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Paramount GR Holdings, LLC
State: AZ

Complaint narrative:
Goodleap stated per contact loan is transferable with acceptable credit brackets of credit XXXX up XXXX credit XXXX for loans XXXX Now are claiming in order to transfer the loan credit of XXXX is required on a less than XXXX but seem to now acting in bad faith and making it unreasonable barriers to effectively assume the loan giving different reasons on why the loan can not be assumed. Goodleap is applying unpublished overlays and being extremely deceptive in their underwriting and changing their rules at their discretion. For most solar assumptions XXXX XXXX scores with a XXXX DTI % should be able to assume a loan XXXX. Requiring a XXXX XXXX XXXX would eliminate over XXXX % of buyers to assume a loan and is restricting the marketability of me closing on my home on XX/XX/year>. Speaking to a lawyer a XXXX XXXX XXXX with XXXX % DTI is not normal for solar assumption on the XXXX loan. Buyer assume car loans with less than this XXXX XXXX and are approved. Goodleap is changing criteria mid- transaction to prevent the sale of my home for the buyer to assume my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: GA

Complaint narrative:
I filed a dispute for unauthorized transactions and my claim was denied and my account was closed. I then requested the documents that was used to determine the transactions were authorized and was denied access several times. My card was compromised and my money was used fraudulently. Cash App denied the return of my money and now Im out of a few XXXX dollars

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

Complaint narrative:
I AM FIING THIS COMPLAINT BECAUSE THE COMPANY IS REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT AND HAS FAILED TO PROPERLY VALIDATE THE ALLEGED DEBT DESPITE MY WRITTEN REQUEST

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I applied and was approved for a macys amex credit card with {$2000.00} limit. The representatives automated system called to verify my identity but when I answered it hung up on me. I attempted to call back about 8 times, and each time it keeps me on hold until eventually stating no one is available and to call back. This is day three of attempting to call them.

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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, 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 non-monetary relief