vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XXXX has reported I owe {$700.00} for phone # ending in XXXX which is not accurate. I purchased phones from a third party retailer called XXXX XXXX / XXXX. I have provided XXXX transunion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX of the receipts that show payment made in full XX/XX/year>. I have requested from all these companies debt validation of accuracy ownership and right to collect none have provided me that information. XXXX has not responded to none of at least XXXX disputes filed through the cfpb who sent the disputes to the ftc. I am requesting that XXXX be removed at once from all reporting agencies these companies have not followed the fair credit rules or the laws laid out for them to follow I will once again be uploading pictures proving I have no remaining debt to XXXX it was all paid and paid well on time XX/XX/year> and must be removed immediately in keeping of the law.

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 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ROBINHOOD MARKETS INC.
State: SC

Complaint narrative:
I never applied for, received, or used a Robinhood XXXX Credit Card. Within an hour of any potential signup, I texted/emailed Robinhood to cancel and they confirmed the account would close. That was XX/XX/year>. Months later, I'm now getting texts, bills, and a letter demanding {$80.00} for an unauthorized/erroneous charge. I've emailed/texted them multiple times with proofthey ignore me. This is harassment over a card I don't have. Remove the charge, close the account, stop collections

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
My account with U.S. Bank ( last XXXX digits : XXXX ) has been frozen for over XXXX months without any prior notice or explanation. The current balance in the account is {$3500.00}. I have been a U.S. Bank customer for over XXXX years. Recently, the bank increased my credit card limit and approved me for a vehicle loan/lease, which makes this sudden account freeze even more confusing and inconsistent. I have visited a branch in person and contacted customer service multiple times, but I have not received any clear reason for the restriction, nor any timeline for resolution. This situation has prevented me from accessing my own funds, transferring money, withdrawing cash, or paying my credit card obligations. Additionally, this account is linked to multiple other accounts, and due to the freeze, several payments were returned. As a result, I incurred approximately {$400.00} in fees. At this point, I do not object if the bank chooses to close my account. However, it is completely unacceptable that my funds are being held without explanation or being returned to me. I am requesting immediate access to my funds, reimbursement for the fees incurred due to this issue, or at minimum, a written explanation for the account restriction along with a clear and specific timeline for resolution.

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 2026-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: WI

Complaint narrative:
My credit reports show my federal student loan as 90 days past due as of XX/XX/XXXX and show a past-due amount of {$390.00} for XX/XX/XXXX. Nelnet provided me a written deferment approval letter stating my deferment request was approved and applied with an effective start date of XX/XX/XXXX, an end date of XX/XX/XXXX, and next payment due XX/XX/XXXX. XX/XX/XXXX falls inside that stated deferment period, yet Nelnet continues to furnish credit reporting showing a XXXX delinquency and a past-due balance for that month. XXXX/ documentation XX/XX/XXXX : Nelnet issued a deferment approval letter stating the deferment was approved/applied with effective dates XXXX and next payment due XX/XX/XXXX. The letter also states that if the account was past due when processed, Nelnet XXXX have used an administrative forbearance to bring the account up to date before processing the deferment. My credit reports ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX days past due and/or past due {$390.00}. XX/XX/XXXX ( approx. ) : Nelnet issued a denial/determination letter stating no credit reporting adjustment is needed. After I submitted an appeal requesting a specific reconciliation and correction, Nelnet responded with a boilerplate message stating they can not adjust because my dispute was incomplete, invalid, or a goodwill request, without addressing the conflict created by Nelnets own deferment appro val letter or acknowledging the appeal. At least one Nelnet response letter still used an old address, despite my prior address update request, raising concern that time-sensitive communications may have been sent to an outdated address. Attachments included Nelnet deferment approval letter dated XX/XX/XXXX ( showing effective dates and next payment due ) Nelnet response to my appeal. The later boilerplate refusal response

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: NM

Complaint narrative:
Portfolio Recovery has filed complaint against me and stating that I opened a credit card with XXXX XXXX in XXXX. I did not open a XXXX XXXX card in XXXX. I requested validation on XX/XX/XXXX, and they sent copies of statements and indicate the card was opened in XX/XX/XXXX. In their complaint, they included an unsigned contract from XXXX. I requested the original contract as part of validation and they did not include it. I have sent them a letter on XX/XX/XXXX stating I did not open a XXXX XXXX card in XXXX of XXXX. I have disputed this dept more than once with credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NV

Complaint narrative:
I am disputing a debt of {$2900.00} allegedly owed to XXXX XXXX XXXX XXXX XXXX ( Reference # : XXXX ). Fair Collections & Outsourcing ( FCO ) is attempting to collect this debt in violation of the Fair Debt Collection Practices Act ( FDCPA ) and Oklahoma XXXX XXXX ( Residential Landlord-Tenant Act ). The grounds for my dispute are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : The creditor initiated an eviction and took possession of the unit. Under Oklahoma Law, a landlord can not collect rent for the remainder of a lease term after they have terminated the lease through eviction and regained possession. FCO is attempting to hold me accountable for " future rent '' on a contract that was legally terminated. Failure to Mitigate Damages : Even if the lease were active, the landlord has a statutory duty under XXXX O.S. XXXX to mitigate damages by re-renting the unit. FCO has provided no evidence that the unit remained vacant or that the landlord attempted to mitigate the alleged loss. Unapplied Credits and Payments : The balance is mathematically incorrect. The landlord failed to apply a XXXX rent credit for delayed occupancy ( XX/XX/year> ) as required by XXXX Paragraph XXXX XXXX and failed to credit a final {$150.00} money order payment. Pre-existing XXXX of XXXX : I issued a " Notice to Cure '' to the landlord detailing material misrepresentations regarding unit approval and severe habitability violations ( XXXX O.S. XXXX ), including water intrusion and unsafe maintenance practices. The landlord ignored these statutory obligations and instead engaged in retaliatory collection efforts. Misrepresentation of Debt : By attempting to collect a sum that includes illegal post-eviction charges and unapplied credits, FCO is using " false, deceptive, or misleading representation or means '' in violation of 15 U.S.C. 1692e.

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 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am writing to dispute fraudulent/Inaccurate information for a collection made on my credit report. The account is listed as JEFFERSON CAPITAL SYSTEM, account # XXXX has a charge-off collection for {$2400.00} from XX/XX/XXXX - XX/XX/XXXX. I believe the transactions are the result of identity theft or fraud. I have only discovered that my accounts are delinquent through the credit apps such as XXXX XXXX XXXX XXXX I have never received a statement in the mail, and the last time I reviewed my account, it was at a {$0.00} balance. When I contacted the credit agency I was told the only information they had available was the charge-off/collection balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: ND

Complaint narrative:
I got logged out of my cash app and don't have my phone number or email to access it and I'm trying to recover my accounts through XXXX and XXXX but I want my money for rent and bills and I've been calling cash app for 2 months straight and now and they say the same thing the same way and at the end they tell me their security system denied the transfer requests and they tell me to call back in XXXX hours and I have done it for XXXX times straight with the same thing being said the same ways and the last XXXX times i asked to speak to a higher up worker or XXXX and they told me the last XXXX times they put in a request and the XXXX will get ahold of me through email. I have never gotten a thing from anybody from them after.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: WA

Complaint narrative:
I am submitting this complaint regarding the credit reporting of my mortgage account serviced by LoanCare. In XX/XX/year>, a payment on my mortgage account was reported as late. This occurred due to an unintentional error where the payment was submitted from an incorrect account that did not have sufficient funds, while the intended account did have sufficient funds available. Once I became aware of the issue, I promptly corrected it and brought the account current by making consecutive payments in XX/XX/year>. Since that time, I have continued to make all payments on time. Prior to this, I maintained several years of consistent on-time payment history with no prior late payments. This was a one-time isolated incident. I have made multiple attempts to work directly with LoanCare to request a review and consideration for a one-time exception, but my requests have been denied without meaningful consideration of my account history. This single late payment has significantly impacted my credit profile and my ability to access financing, despite my otherwise strong and consistent payment record. I am requesting a fair and thorough review of my account history and consideration for a one-time exception given the circumstances and my long-standing positive payment behavior.

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 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelson Cruz & Associates LLC
State: CA

Complaint narrative:
The company failed to adequately respond to my original complaint and did not provide proper documentation.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
This is a follow-up to a previously filed complaint. CFPB XXXX # : XXXX Huntington Case XXXX : XXXX I am submitting additional evidence that was not properly considered in the original review. This is not a case of dissatisfaction with product quality. The seller misrepresented the condition of the item at the time of sale. The listing described the item as being in great condition and as new. However, after the purchase, the seller admitted via text message that the item had been sitting unused in their garage for over a year and may require a new battery to function. This information was not disclosed prior to the transaction and directly contradicts the original listing description. I would not have authorized this payment had I been given accurate information about the condition of the item. Huntington Bank denied my dispute by categorizing this as a quality issue. However, this situation involves misrepresentation and deceptive practices, not a simple product dissatisfaction. I am requesting that this case be reopened and reviewed again with the new evidence provided, including the sellers admission and the denial letter from Huntington Bank. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: TX

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX : PURCHASE XXXX INDN : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Other Payment - {$16000.00} XX/XX/year> XXXX XXXX XXXX : PURCHASE XXXX INDN : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- {$20000.00} I was charged a total of {$37000.00} in transactions I did not authorize. When I brought this up to my bank ( Bank of America ), the bank conducted an investigation. They told me I am liable for the cost, even though I never authorized these debits from my account. I don't know if the merchant somehow authorized these payments on my behalf without my knowledge. I never provided my debit card PIN to this merchant who charged me, and I never received any two-factor authentication notification on my phone or email prior to this amount being deducted from my bank account. The merchant did not provide any services/goods also to me so I don't know what this debit is. The email address that the merchant has on file is also not my email address.

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 monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
They will not send a correction of the debt. I do not believe I owe them this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am writing to file a formal complaint against American Express regarding an unresolved billing error. On XX/XX/year>, I was incorrectly charged twice in the amount of {$580.00} each, totaling {$1100.00}. These charges were duplicate and unauthorized. I reported this issue to American Express shortly after noticing the error. Since then, I have contacted them 5 times on XXXX, XXXX and XXXX to follow up on the investigation. Each time, I was told to wait for the result, but no resolution has been provided, and the duplicate charge has not been refunded. As of today : The duplicate charge remains on my account No clear timeline or explanation has been given Customer service has failed to provide a resolution despite repeated inquiries This situation has caused unnecessary financial stress and reflects a failure to properly handle a billing dispute in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am writing to dispute fraudulent/Inaccurate information on my credit report. The account listed as TD BANK USA/TARGETCRED, account # XXXX has a charge-off amount of {$370.00} from XX/XX/XXXX - XX/XX/XXXX that were not made or authorized by me. I believe these transactions are the result of identity theft or fraud. I have only discovered that my accounts are delinquent through the credit apps such aXXXX XXXX XXXX XXXX XXXX I never received a statement in the mail, and the last time I reviewed my account, it was at a {$0.00} balance. When I contacted the credit agency I was told the only information they had available was the charge-off amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
I am disputing the reporting and collection of the above accounts. I do not believe the collection agencies have the legal authority to collect these debts. Both accounts show blank payment history on XXXX XXXX XXXX, which is inaccurate and incomplete reporting. I am requesting full verification and validation, including the original contract signed by me, original creditor documentation, and the complete chain of assignment showing all transfers of the debt. Until these items are provided, all collection efforts should cease, and these accounts should not be reported as accurate to any credit reporting agencies.

Company response to consumer: Closed with explanation