vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Found Privacy Policy online - directed me to XXXX and XXXX '. Phoned and after waiting 15 minutes on hold, company AI hung up on me. Phoned again, 25 minutes on hold, asked for Fraud department. After another 3 minutes on hold, company hung up on me. Wrote an email to XXXX " asking " Delete all data, do no sell, do not share data ''. Company sold my data to another credit union instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am requesting reimbursement of a {$1600.00} charge from XXXX because Capital One incorrectly treated this dispute as a simple voluntary cancellation of a nonrefundable airline ticket instead of merchant misrepresentation and failure to reasonably correct an immediately reported mistake. While trying to resolve a separate issue involving another XXXX booking, a refund request was mistakenly submitted for the wrong itinerary. I contacted XXXX within hours, multiple times, asking them to stop the request and restore the booking. I clearly explained that this was a mistake and that I still intended to take the flights. XXXX acknowledged that I acted quickly but refused to reverse the request and informed me that the flights were immediately and permanently cancelled. However, both XXXX and XXXX later confirmed in writing that the flights were never canceled, remained active, and I was marked as a no-show only because I did not board. XXXX also acknowledged that the airlines still showed the flights as active. No refund was ever completed, and XXXX system remained in Refund Requested status for over 50 days. I submitted all of this documentation to Capital One, including airline confirmations, XXXX written statements, and proof of my immediate attempts to reverse the mistaken request. Despite this, Capital One repeatedly denied the dispute by treating it only as a voluntary cancellation of a nonrefundable ticket and ignoring the evidence that the flights were never actually canceled. This was not an informed voluntary cancellation. It was an immediately disputed mistake combined with merchant misrepresentation and refusal to reasonably correct it. I respectfully request reimbursement of the full disputed charge of {$1600.00} and a proper review of Capital Ones handling of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: WI

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 explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Massachusetts Housing Finance Agency (MassHousing)
State: MA

Complaint narrative:
I am submitting a complaint regarding my mortgage loan ( Account # XXXX ) for the property located at XXXX XXXX XXXX, XXXX, MA XXXX, serviced by Massachusetts Housing Finance Agency. Based on my loan terms ( original balance {$230000.00}, interest rate 4.125 %, originated XX/XX/XXXXXXXX ), my loan reached 78 % loan-to-value ( LTV ) based on the original amortization schedule approximately between XXXX and XX/XX/XXXX. Under the Homeowners Protection Act ( HPA ), private mortgage insurance ( PMI ) is required to be automatically terminated when the loan reaches 78 % of the original value, provided the loan is current. However : - It is unclear whether PMI was properly terminated at that time- I am currently unable to access any account statements, payment history, or loan activity prior to XX/XX/XXXXXXXX through the servicers online system- This lack of access prevents me from verifying whether PMI was improperly charged beyond the required termination date

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: LA

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

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 2026-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: CA

Complaint narrative:
Today I received a call from IQ data XXXX. A woman named XXXX. She apparently was contracted by the XXXX XXXX where I recently finished out a lease. There is apparently an unpaid debt of a little over {$100.00}. I had no idea about this charge even though I provided the XXXX XXXX a forwarding address after leaving. I asked XXXX to email or mail me a letter showing proof of what I owed because I wasn't just going to pay someone over the phone for something I have no idea I even owed. She said if she sends me an email that shows what I owe then it means I am agreeing to pay the amount today otherwise my debt is sent to collections. I said absolutely not, I need time to review the bill, as I am at work, but that I would contact her to pay after I have time to review the bill. She said that is not how it works and if it is not paid with her she will send the debt to collections and it will start accruing an interest rate of 7 % daily. I asked for her phone number which apparently is XXXX XXXX. I am filing a dispute because she tried to corner me to paying an amount under the threat that my credit would be affected and I would be penalized daily. All the meanwhile, I do not have anything in writing of what I owe

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: IA

Complaint narrative:
I am disputing inaccurate reporting by Sequium Asset Solutions regarding a collection account associated with XXXX This account reflects a balance of {$250.00} ; however, it also shows a past due amount of {$0.00} while still being reported as a collection. This is inconsistent and misleading. If no amount is currently past due, the account should not be reported as an active collection. I have not received sufficient documentation validating the accuracy of this account, including : - A detailed breakdown of the charges - Proof of my legal obligation for this specific balance - Documentation confirming the accuracy of the amount being reported Reporting contradictory and unverified information violates the Fair Credit Reporting Act ( FCRA ). This account is inaccurate, misleading, and has not been properly validated. If this account can not be fully and accurately verified, it must be removed and deleted from all credit reporting bureaus immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Made purchase on XXXX XXXX. Seller took payment on XXXX via my chase back app. Seller never shipped anything. Contacted chase bank and they refused to get involved or take a fraud report. Told me to contact XXXX which also told me it was Chase bank responsibility to take the report. In a 3 way call chase and XXXX argued but neither would take a fraud complaint claim. Contacted XXXX on the fraud. Still no answers. Chase should not offer a service for payment if they are not willing to stand by if there is fraudulent activity. The seller has a fraudulent XXXX page and fake shipping company website.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: OR

Complaint narrative:
Company Name : Spring Oaks Capital , LLC Account Number : XXXX ( Original Creditor : XXXX XXXX ) Detailed Description of Issue : I am filing this complaint because Spring Oaks Capital is attempting to collect a debt that has been paid in full and is willfully ignoring evidence of usurious interest rates that violate Oregon law. Initial Dispute ( XX/XX/XXXX ) : I formally disputed this debt based on usurious interest rates. Detailed Accounting Provided ( XX/XX/XXXX ) : After receiving a generic validation letter, I responded on XX/XX/XXXX with a complete accounting of payments. I proved that while the original principal was {$2000.00}, I have paid a total of {$2500.00}. The principal is satisfied, and I have already paid {$590.00} in interest. Legal Violations : I notified the collector that their attempted collection of an additional {$1900.00} is based on a 148.59 % APR, which is illegal under ORS 725.340 and the newly enacted Oregon HB 4116. Under Oregon law, charging such rates can result in the forfeiture of all interest. Failure to Reinvestigate : Despite providing this specific accounting and legal notice on XX/XX/XXXX, the company sent a letter on XX/XX/, stating they " will not be conducting another investigation. '' They have failed to address the fact that the debt is satisfied and are in violation of the FCRA and FDCPA by continuing to report and collect an inaccurate balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Holding Company, Inc.
State: OK

Complaint narrative:
I am filing a complaint regarding a personal loan I recently obtained through Avant. The loan was approved and funded in the amount of {$22000.00}, however only {$20000.00} was actually deposited into my account on XX/XX/year> due to a large administrative/origination fee being deducted up front. On XX/XX/year> approximately 1 business day after funding, I determined that I no longer needed the loan and attempted to cancel or immediately repay it in full, as the funds were unused. At that time, I was informed by Avant representatives that : The loan can not be canceled once funded I am required to repay the full principal amount of approximately {$22000.00} Any refund of the administrative/origination fee is not guaranteed A decision regarding a partial refund would only be made after the loan is paid off, with a possible wait of up to 14 business days I was verbally told I might receive approximately {$1100.00} back, but this was not guaranteed and could not be confirmed in writing I find this extremely concerning for the following reasons : 1. Lack of Clear Disclosure : I was not clearly informed or made aware that a substantial administrative/origination fee ( approximately {$2200.00} ) would be effectively non-refundableeven if the loan was paid off immediately and never used. 2. Unfair and One-Sided Fee Structure : Requiring a borrower to pay over {$1000.00} in fees for a loan that was unused for only a matter of days appears excessive and disproportionate. 3. Refusal to Provide Written Clarification : Avant representatives were unwilling or unable to provide clear, written confirmation regarding how much of the fee would be refunded, stating only that a determination would be made after payoff. 4. Inability to Escalate the Issue : I requested escalation to a supervisor or additional review, but was told no further escalation options were available.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: TX

Complaint narrative:
XXXX customer, XXXX debited my bank account for {$480.00} for a website I had canceled. I called XXXX. They issued a refund. I got my refund on XX/XX/XXXX. Now I am getting a debt collection notice from XXXX. XXXX turned it over for collection with no notice. I contacted FirstSource. They directed me to XXXX and I called them. The man wanted my driver 's license # and Bank acct # to talk to me. I said no. He said he could not talk to me. I thought he was a scammer. I called XXXX and they advised XXXX collected receivables for them and XXXX could not do anything about it. They took my money. XXXX paid them, XXXX gives me a refund. So, XXXX owes them the money for my refund. I have been made whole. XXXX needs to get their money from XXXX. If XXXX does not erase this unsubstantiated debt I will be suing them both.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Dispute of Inaccurate Collection Account Reported by LVNV Funding I am formally disputing a collection account reported by LVNV Funding on my credit report. I do not recognize this debt, I have never entered into any agreement or contract with LVNV Funding as an original creditor or otherwise, and I have no knowledge of any valid obligation connected to this account. As it appears on my credit report, LVNV Funding is reporting this account as an original creditor or responsible party. I am stating clearly that I have no contract with them as the original creditor and no verified agreement establishing any legal obligation. I request full validation of this alleged debt, including : - Complete chain of title from the original creditor to LVNV Funding - Signed contract or agreement linking me to this account - Full itemized accounting of the alleged balance - Documentation verifying the accuracy of the reporting, including dates and ownership history If LVNV Funding can not provide full legal validation of this account as it appears on my credit report, as it appears on my credit report, as it appears on my credit report, then I request immediate removal of this account from all credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). I have previously disputed this account and provided supporting information. I request a full reinvestigation of the accuracy and ownership of this account and correction or deletion if it can not be verified. I am they are not an original creditor of mine. They need to remove this off all of my credit bureaus promptly and I will not stop putting these in on these people. I will do it for the next 10 years and Im going to expand my reach now Im going to go on XXXX and I am going to find other like-minded people who are dealing with this and Im gon na start a class action lawsuit against them on top of that. Im going to start speaking with civil lawsuit attorneys, XXXX and XXXX your name because this is nonsense. Its affecting my life and it needs to be removed off my bureaus promptly. And you have my word on every single thing in here I will be executing. I do not I am not the one that lets the big man step on the little man and youll learn that about me LVNV with your shady changing dates and reporting it to my credit report, as if youre an original creditor of mine youre not look at the image below and call me a liar These games will stop and they will stop soon Youre playing up my life and Im not playing games anymore. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: RI

Complaint narrative:
AFFIDAVIT OF TRUTH & NOTICE OF DISPUTE I, XXXX XXXX, a natural person, hereby declare under penalty of perjury that the following statements are true, correct, and made in good faith : 1. I am disputing the following accounts reported on my consumer report as inaccurate, unverified, and/or misleading : LVNV FUNDING LLC XXXX XXXX 2 . These accounts contain inconsistencies including, but not limited to : - Multiple reporting entities for the same alleged debt - Conflicting account statuses and dates - Lack of verified contractual obligation - Incomplete or missing original creditor documentation 3. I have not been provided with any verified contract, signed agreement, or lawful evidence proving I am obligated to pay these alleged debts as currently reported. 4. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I formally demand : - A copy of the original signed contract or application - Full accounting of the alleged debts - Proof of chain of title and lawful assignment for any debt buyers - Documentation validating the accuracy of all reported information 5. Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of disputed information. 6. Under 15 U.S.C. 1692g ( FDCPA ), I request full validation of these debts. Until validation is provided, all collection activity must cease. 7. I invoke my rights under Gorman v. Wolpoff & Abramson, LLP, 584 F.3d 1147 ( 9th Cir. 2009 ), which requires furnishers to conduct a meaningful investigation. 8. Additionally, Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) confirms that credit bureaus must go beyond superficial verification. 9. The reporting of duplicate or misleading accounts ( original creditor + debt buyer ) without proper validation may constitute inaccurate reporting under the FCRA. 10. Failure to provide proper verification within 30 days requires immediate deletion of the disputed accounts. 11. Continued reporting of unverified or inaccurate information constitutes willful noncompliance under 15 U.S.C. 1681n, making you liable for damages. 12. This affidavit serves as formal legal notice. Any failure to comply will result in escalation, including complaints filed with the Consumer Financial Protection Bureau and legal action if necessary. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Executed on this XXXX day of XXXX, XXXX. __________________________ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Tek Collect Inc Tek Collect XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Re : Request for Debt Validation Account Number:XXXX To Whom It May Concern, I am writing in response to your communication regarding the above-referenced account. I do not acknowledge this debt and request that you provide validation of it, as required under the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following information : 1. The amount of the alleged debt, including any fees, interest, or charges. 2. The name and address of the original creditor. 3. Documentation showing that I am legally obligated to pay this debt. 4. A copy of any agreement bearing my signature related to this debt. 5. Proof that your agency is authorized to collect on this debt in my state. Until you provide proper validation, I request that you cease all collection activities and communication with me regarding this matter. If you can not provide the requested validation, please confirm in writing that this account has been closed and that no further collection efforts will be made. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation