vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: VA

Complaint narrative:
Hello, I would like to file a complaint against XXXX XXXX. On XX/XX/year>, an unauthorized administrative debit was made on my account liquidating my approx XXXX XXXX valued at approx {$1400.00}. I created a ticket ( # XXXX ) with customer support and they froze my account. It appears to have been a glitch and my XXXX was all returned. They refused to respond to my first ticket so I opened a second ticket ( # XXXX ) with XXXX and they have stopped answering my numerous requests to unfreeze my account. They have not answered since XXXX. My credit card with them has a {$0.00} balance and I have never engaged in any fraudulent activity. I just want my account back. I made a {$600.00} withdrawal just prior to this and I believe they have frozen my account to prevent my exit of the exchange. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I responded with a Letter citing debt validation 15 USC 1692G requesting the 4 previous mentioned items of verification. Resurgent Capital Services L.P . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Acct # XXXX Original Creditor XXXX XXXX Current Owner LVNV Funding LLC Reference ID XXXX Balance {$840.00} Responded the determined that there does not appear to be sufficient information to support my claim of inaccuracy. Resurgent denies the inaccuracy because of their belief that the information is accurate Resurgent wants me to mail information detailing the nature of the inaccuracy along with any supporting documents to them. I have sent a 2nd certified letter asking for verification or demand immediate cease of collection efforts, notify all credit bureaus and delete the tradeline

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
URGENT GOOD MORNING, WE HAVE NOT RECEIVED ANY UPDATE ON LOAN XXXX FOR XXXX XXXX XXXX. PLEASE IT IS URGENT THIS GETS FIXED. I DO NOT HOLD OR HAVE I EVER HELD AN ESCROW ACCOUONT WITH YOU. I PAY MY XXXX TAXES AND INSURANCE. YOU HAVE BEEN CHARGING ME XXXX {$100.00} FOR MONTHS FOR ESCROW. THIS NEEDS TO BE FIXED ASAP AND THE OVERPAYMENT REFUNDED BY CHECK TO XXXX. I HAVE BEEN BATTLING WITH THIS FOR MONTHS. YOUR HELP WILL BE VERY MUCH APPRECIATED XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I disputed this account multiple times and requested proper validation. The company continues reporting this account despite failing to provide competent evidence supporting the alleged debt. The response I received only included a summary sheet prepared by the debt collector and did not include : * A signed agreement or contract * Complete payment history * Competent evidence of ownership * Full chain of assignment * Sufficient documentation verifying the accuracy of the reporting The account also contains inaccurate and incomplete reporting, including inconsistent account classification and incomplete account information. Despite my disputes, the company continues reporting this account to the credit bureaus without providing proper validation as required under the Fair Credit Reporting Act. I am requesting : 1. A full investigation 2. Proper validation of the alleged debt 3. Immediate deletion if the account can not be fully verified with competent documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
In XX/XX/XXXX I opened an account with Synchrony Bank to purchase a mattress. I paid the bill in full by XX/XX/XXXX. I never used the account again. I never received a credit card. On XX/XX/XXXX, a charge of {$4500.00} was made at XXXX XXXX in XXXX, FL. I live in XXXX, PA. I was not in XXXX. In XXXX I received a text reminding me to make a payment. I called Synchrony Bank and filed a claim. They denied it. This happed XXXX times. I also called the furniture store, but they hung up on me when I asked to speak to the accountant. I filed a police report with XXXX XXXX Police Department where I live on XX/XX/XXXX. I have a charge on my business credit card on XX/XX/XXXX showing that I was in Pennsylvania. I have talked to Synchrony many times and gotten nowhere.

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 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
I am unable to open a checking account due to information being reported by Early Warning Services. I have disputed this account multiple times ( XX/XX/year>, XX/XX/year>, and XX/XX/year> ), but Early Warning has failed to conduct a proper reinvestigation. In their most recent response, Early Warning stated that my dispute would not be reviewed because it did not include new or additional information. However, they have never provided any documentation showing that the account was properly verified in the first place. In a prior response, Early Warning also stated that they do not have access to account-level documentation and instructed me to contact the financial institution, XXXX. Despite admitting they do not have documentation, they continue to report this account on my consumer file. This is preventing me from opening a bank account and accessing basic financial services. I believe Early Warning is reporting information that has not been properly verified and is refusing to conduct a reasonable reinvestigation as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, I initiated a direct rollover of XXXX funds ( XXXX XXXX XXXX ). As of XX/XX/year> ( 48 days later ), the funds have not been disbursed. I have called multiple times and was repeatedly told the case was 'escalated ' with no timeline provided. On XX/XX/year>, I was told a new XXXX was required for identity verification because I am a former employee. I promptly submitted this in person at the Citibank branch located at XXXX XXXX XXXX, XXXX, NY XXXX. I was verbally confirmed that my application was 'In Good Standing. ' For XXXX subsequent weeks, I called for status and was repeatedly stalled with the same 'escalated ' script. On XX/XX/year>, Supervisor XXXX ( Team ID : XXXX ) stated for the first time that 'Proof of Residence ' was also requireda requirement never previously communicated in the prior 47 days. I successfully faxed Proof of Residence to Citi 's Back Office at XXXX XXXX ET ( Confirmation Attached ). Despite this, the bank continues to withhold my assets. As of XXXX XXXX on XX/XX/XXXX, XXXX XXXX refused to perform a manual outreach to the Back Office to verify the document 's receipt and finalize the disbursement. XXXX refused to provide a disbursement date, citing a 'back office escalation ' that has now exceeded the XXXX threshold for reasonable processing established by the CFPB XXXX XX/XX/year> guidelines. I am requesting an immediate release of my funds and a XXXX tracking number.

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 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Subject : Complaint Regarding Potential Fraud, Unauthorized Credit Activity, and XXXX Account Security Concerns To Whom It May Concern, I am submitting this complaint to report a sequence of events that raise concerns about potential fraud, unauthorized credit activity, and possible security failures involving my XXXX account. On XX/XX/year>, I received a phone call from an individual claiming to represent XXXX. The caller requested that I confirm my name and address. Believing this may have been legitimate at the time, I provided that information. Two days later, on XX/XX/year>, I placed an order on XXXX. During checkout, I was presented with a promotional offer for XXXX XXXX. On the promotional screen, there was a checkbox indicating that my existing credit card would be used for Prime-related charges. I selected this option. Shortly thereafter, I received an email confirming enrollment in XXXX XXXX. However, I also received a separate emailconfirmed by XXXX as authentic ( XX/XX/year> ) stating that an XXXX XXXX credit card account had been reopened. I did not apply for, request, or authorize the opening or reopening of any credit card account. Since that time, I have contacted the issuing bank, JPMorgan Chase, and have not yet found evidence of an active account. However, I remain concerned that : My personal information may have been compromised as a result of the earlier phone call ; There may have been an unauthorized or attempted credit account action in my name ; XXXX systems or processes may allow confusing or misleading enrollment flows that could result in unintended credit-related actions ; XXXX customer service escalation process has failed to adequately address or investigate this issue. I have attempted to resolve this matter directly with XXXX, including filing a complaint through the XXXX XXXX XXXX. However, I have been unable to reach a qualified escalation team or receive a satisfactory explanation. My concerns have not been meaningfully addressed. Given the potential for identity theft, unauthorized credit activity, and consumer protection violations, I respectfully request that your office : 1. Investigate whether any unauthorized credit account activity has occurred in my name ; 2. Review XXXX enrollment and promotional practices related to XXXX XXXX and associated credit products ; 3. Determine whether this incident reflects a broader pattern affecting other consumers ; 4. Ensure that appropriate safeguards and disclosures are in place to prevent similar situations. I am prepared to provide supporting documentation, including copies of the emails referenced above. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OR

Complaint narrative:
I requested debt validation, including the original creditor information, account number, amount owed and how it was calculated, proof I am legally responsible for the debt, and documentation showing the companys authority to collect the debt. I also requested communication in writing only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
Ability Recovery Services LLC Account # XXXX Medical Debt Collection on credit profile {$1200.00} Ability Recovery Services LLC claims their investigation verified the debt belongs to me. Faxed a copy of police department on XX/XX/year> at XXXX XXXX. On XX/XX/year>, I contacted XXXX XXXX from Ability Recovery Services LLC at XXXX ext. XXXX, he assure me that the necessary steps would be taken to assist 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 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Gatestone & Co. International Inc.
State: CA

Complaint narrative:
b'Gatestone & Co. International LLC is attempting to collect an alleged debt of $XXXX on behalf of XXXX XXXX (Reference XXXX) and is reporting this collection account on my personal credit report without providing debt validation as required under 15 U.S.C. 1692g.\nOn XXXX XXXX XXXX, I sent a written debt validation demand via certified mail (tracking XXXX XXXX XXXX XXXX XXXX XXXX). The letter was delivered XXXX XXXX XXXX at XXXX XXXX and signed by "XXXX XXXX" at Gatestone\'s address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As of the date of this complaint, Gatestone has provided no validation response no itemization of the debt, no name of the original creditor, no documentation of their authority to collect.\nAdditionally, I verified that Gatestone & Co. International LLC holds only an "Application Pending Approval" status under the California Debt Collection Licensing Act (CA Financial Code 100000 et seq.). They are not licensed to collect debts in California, where I reside. Collecting or attempting to collect a debt in California without a license violates state law.\nGatestone continues to report this collection account on my credit report despite the unresolved validation dispute, in violation of 15 U.S.C. 1692e(8), which prohibits communicating false or misleading credit information. I am requesting that the CFPB investigate Gatestone\'s failure to validate this debt, their unlicensed collection activity in California, and their continued credit reporting during an open dispute.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
Start Date :??? {$610.00} Updated on XXXX XXXX, 2026 Know nothing of this debt. Never had this debt plus this would be past any statute of limitions...

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and reporting of an account associated with XXXX XXXX XXXX that is currently listed on my consumer credit report. I have serious concerns regarding the handling of this account, including the apparent re-aging of the debt, inaccurate reporting of the date of last delinquency, and the improper dismissal of my prior disputes. First, I believe this account has been illegally re-aged. The reported date of last delinquency does not accurately reflect the original delinquency, which may be a violation of the Fair Credit Reporting Act ( FCRA ). Misrepresenting this date unfairly extends the time the account remains on my credit report and negatively impacts my credit standing. Second, I have previously submitted disputes regarding this account, yet I received what appears to be an automated or cursory response indicating that the account was verified without any meaningful investigation. This raises concerns that my disputes were not properly reviewed as required under federal law. I am entitled to a reasonable and thorough investigation of any disputed information. Additionally, the account number being reported is incomplete and does not provide sufficient information for me to properly identify or verify the debt. Without a full and accurate account number, I am unable to confirm that this account belongs to me. This lack of verifiable information further calls into question the validity of the reporting. Given these issuespotential re-aging, inaccurate delinquency reporting, inadequate dispute investigation, and incomplete account identificationI respectfully request that this account be deleted from my credit report immediately. If you choose to maintain this account, please provide me with the following : Documentation verifying the original date of delinquency Complete account number and full account details Proof that the account has not been re-aged A description of the investigation process used to verify this account If you are unable to provide this information, the account must be removed in accordance with the FCRA. Please confirm in writing that this matter has been resolved and that the account has been deleted from my credit file. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
COMPLAINT : PORTFOLIO RECOVERY ASSOCIATES FCRA VIOLATION - WILLFUL NONCOMPLIANCE/NON-RESPONSIVENESS AND ATTEMPTED RE-AGING OF DEBT On XX/XX/XXXX, I emailed Portfolio Recovery Associates ( PRA ) detailed factual proof of material inaccuracies on my credit report ( I have attached PDF documentation of the email to this complaint ). PRA failed to conduct a reasonable investigation, instead providing a non-responsive " verification of ownership '' letter that ignored the evidence ( I have also attached 4 photos of this letter as evidence ). The documented inaccuracies : 1. Illegal Re-aging : The original account with XXXX XXXX opened XX/XX/XXXX and closed XX/XX/XXXX. PRA reports an " Open '' status as of XXXXa factual and legal impossibility designed to artificially extend the reporting period. 2. False Source : PRA reports itself as " Original Creditor '' when they have merely purchased the debt from XXXX XXXX by their own admission. 3. Inflated Balance : Reported balance of {$630.00} is double the actual expenditure. The account is also closed and inactive as of XX/XX/XXXX, so it could not have accrued further late fees, interest rates, or utilization marks on or since XX/XX/XXXX. PRA is knowingly reporting false data after being provided correct records. I demand immediate deletion of this trade line.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Equifax , I am writing in response to your notice XX/XX/year> regarding the alleged debt from Mutual Agreement Services. I do not believe that I owe this debt or : " I am not responsible for this debt, '' or " I am a victim of identity theft and I formally dispute it. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, I request that you validate the debt. Please provide the following information : The amount of the debt. The name of the original creditor. Verification that you are authorized to collect this debt. A copy of the contract or judgment holding me responsible. If you do not provide this verification, I request that you cease all collection efforts and remove this account from my credit report. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CMG Financial Services, Inc.
State: TX

Complaint narrative:
In XXXX of XXXX XXXX XXXX I made my XXXX first payment early. On XXXX first, the mortgage company took an additional auto payment of my monthly mortgage. I called on XXXX XXXX to get this payment reverse.So that I could have my money back.The employee told me it would take XXXX days. On XXXX XXXX, after the payment was yet to be XXXX called and requested to know why it hadn't been reversed. I was then told by a different employee that it is the company 's policy not to refund.Mortgage payments. Then, after requesting to speak to a supervisor I was told they could look into this.But it would take twenty days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
XX/XX/year> XXXX fraud purchase of {$120.00}. XX/XX/year> XXXX XXXX fraud purchase of {$160.00XXXX XXXX XXXX card via XXXX XXXX

Company response to consumer: Closed with explanation