vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credova Holdings Inc
State: FL

Complaint narrative:
my credit was stolen, hard inquiries, bank accounts opened and a remark on my credit for a loan that I NEVER took out. I have never requested or been granted a limit for the amount shown on my credit, let alone never heard of credova and don't even know what it is. I have attempted to dispute as fraud for several months and XXXX keeps denying. If you actually verify the information, the phone number is not associated with me in any way, the address utilized is most likely an old address that I haven't lived at in years ( based on the fraudulent bank accounts opened ) I have never received anything in the mail regarding this or even gotten a phone call or email associated with credova or XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
I took a loan on XX/XX/XXXX. The repayment of the loan is based on my employment income pay cycle. I get paid monthly ( commision based income settled on the XXXX of each month ) Repayment was to start on XX/XX/XXXX. The lender set my account on bi-weekly paments and auto-pay in error. I immediately called them and canceled both auto-pay and bi-weekly payments. Opploans agreed to their error and sent me an acknowledgement email to that fact. Here is the problem, they are alleging that the payment was to commence on XX/XX/XXXX. If that would be true, that would make the XXXX payment due 12 days after funding. That is not what I agreed or discussed. They allege I agreed to this on a recorded call. This is not true. I have emailed them and made my position clear that I will not commence payments until XX/XX/XXXX and demanded they correct their record to not reflect me as past due. The refuse. In an abundance of caution, I have limited communication to email only. I need the CFPB to assist. This is a high cost predatory lender. I will provide all emails and the contract for your review. Kindly assit me to get this matter handled. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
I disputed a collection account reported by Security Credit Services with XXXX. The account was marked as verified, but no documentation validating the debt was provided to me. I have not received proof that this debt is mine, including account statements, a signed agreement, or documentation showing that Security Credit Services has the legal authority to collect this debt. Under the Fair Credit Reporting Act, companies must conduct a reasonable investigation when a consumer disputes an account. Simply verifying the account without providing supporting documentation is inaccurate and misleading. I request that Security Credit Services provide full validation of the alleged debt or delete the account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
SUBJECT : FCRA SECTION 623 VIOLATION - WILLFUL VERIFICATION OF UNVALIDATED DEBT I am filing this formal complaint against Midland Credit Management for willfully violating Section 623 of the Fair Credit Reporting Act ( Duties of Furnishers to Provide Accurate Information ). Midland is currently reporting an alleged collection account ( XXXX XXXX : XXXX XXXX XXXX ) with a balance of {$840.00} on my TransUnion credit file. I disputed this account directly through the credit reporting agency. Instead of conducting a reasonable investigation, Midland maliciously " verified '' this account as accurate via the automated e-OSCAR system. Midland has completely failed to provide me with competent, legal validation of this debt under the FDCPA. They have not provided a signed contract, a complete chain of title, or a proper accounting of the alleged {$840.00} balance. By verifying an unvalidated and disputed debt with the credit bureaus, Midland is knowingly reporting inaccurate information and engaging in punitive credit reporting to coerce payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I applied for an AmEx Delta sky miles gold card. Despite fullfilling the terms of my offer, i only received XXXX miles rather than the XXXX that was clearly documented in the terms and conditions document that I received. I made ( 3 ) phone calls and started ( 2 ) chats with customer services. I was initially told that a case was opened on my behalf. The latest call involved a " supervisor '' who told me there is nothing that could be done. I find this dishonest and unscrupulous. Unless this is corrected, I will be cancelling my account with them. Terms attached below... XXXX Bonus Miles OFFER TERMS You can earn XXXX bonus miles after you make {$3000.00} or more ( the " Threshold Amount '' ) in eligible purchases on your Delta SkyMiles Gold American Express Card within your first 6 months of Card Membership starting from the date that your account is opened. Miles will be credited to your account 8-12 weeks after you reach the Threshold Amount. Bonus Miles may appear on your account in more than one deposit. To receive the XXXX bonus miles, your Card account must not be canceled or past due at the time of fulfillment. Eligible purchases can be made by the Basic Card Member and any Additional Card Members on a single Card account. Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases to meet the spend requirement do NOT include fees or interest charges, cash advances, purchases of traveler 's checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or purchases of any cash equivalents. Additional Card Members on your account are not eligible for their own offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
Validation of Debt Request - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2026-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am disputing three collection accounts reported by Midland Credit Management on my credit reports. The accounts are listed as follows : Midland Credit Management Account XXXX Balance {$460.00} Original creditor XXXX XXXX XXXX Midland Credit Management Account XXXX Balance {$380.00} Original creditor XXXX XXXX Midland Credit Management Account XXXX Balance {$830.00} Original creditor XXXX XXXX XXXX. I have disputed these accounts previously through the credit bureaus, yet they continue to be verified without Midland providing documentation validating the debt. Additionally, the reporting appears inconsistent across the credit bureaus. The accounts appear on some credit reports but not others. The XXXX report also shows numerous invalid date entries associated with these accounts, which raises concerns about the accuracy and integrity of the data being furnished. Because Midland Credit Management is a debt buyer and not the original creditor, they must be able to provide documentation validating the debt and demonstrating their legal ownership of the accounts. I have not received documentation such as the original signed agreement, account statements, or a chain of assignment showing the transfer of the debt from the original creditor. Under the Fair Credit Reporting Act and Fair Debt Collection Practices Act, furnishers must ensure information reported to consumer reporting agencies is accurate and verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On XX/XX/year> I was scammed into sending money to someone who claimed to be a XXXX XXXX XXXX XXXX employee who called himself XXXX XXXX. They coerced me to transfer {$2000.00} in Zelle. I have reached out to all companies and my bank and have been denied. They wanted me to send them money to reverse a fraudulent transaction and promised the money sent would be back in my account in XXXX hours. No one will reimburse me despite my efforts. I also requested my money back from the scammer and it was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: TN

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 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
REF : XXXX XXXX. XXXX FL Account # : XXXX Chase Bank XXXX, XXXX - Owner : XXXX XXXX XXXX ( I am a signer on the account ) On XX/XX/XXXXXXXX a fake check came into my XXXX Yr Old mother 's account from a deposit at a XXXX account. The check was obviously fake and listed XXXX Bank ( A subsidiary of XXXX XXXX as the maker. The check was for {$4200.00}. This check was processed and paid. On XX/XX/XXXX of XXXX I am helping my mother work on her bookkeeping to prepare for taxes and discovered the check. I immediately called Chase Bank XXXX department and they told me they will not take any action because their policy is that I need to complain within 30 days. This seems absurd since they can easily reach out to XXXX XXXX and launch an investigation of the fraud between banks. I even mentioned that the statute of limitation in Florida is 2 years and there should not be any reason for this denial. If I want to do anything about this, I would have to hire an attorney and a cost of Thousands of dollars. Thieves get away and no protection for my XXXX mother. Chase Bank is hiding behind their 30 day policy and the consumer and the law is being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
We found out that Ocwen MORTAGE company was stealing money from our account and they ended up owing us money Then they sold our mortgage to PHH mortgage. Now that were selling the house their saying that we have a XXXX from Ocwen mortgage company that no one can seem to find and their trying to tell us upon selling we will owe monies for a XXXX that no one can seem to find or show proof of.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
To the best of my knowledge my/my wife 's Bank of America debit/credit card was physically stolen in late XX/XX/year>. Over {$10000.00} of charges were made on the card until we discovered it and contacted them. We went through their process pinpointing the last valid charge ( at a restaurant where we think the card was taken ). A long process and investigation ended with them suggesting that these were valid charges that were approved by me and my wife. They also suggested we took too long to notify them of the card having gone missing. My wife and I have a dozen Platinum Rewards accounts with them over 15 years and they constantly pester us with blocked cards and suspected fraud notifications. But when I'm a vegan overseas and XXXX of my cards I rarely use starts ordering XXXX in XXXX without using the PIN number they don't say a word. Their investigation is a total mystery to us - obviously they didnt find our signature or use of our PIN anywhere, so they just quietly conclude we are the fraudsters here. This is in reference to my and my wife 's account XXXX. My SSN is XXXX. I reside at XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. I am unable to attach the results of their XXXX investigations because the link to their email requires me to log in to Bank of America website which then says " We are currently unable to process your request. Please try again later. '' I'm sure the Bank of America will be more forgiving of this, their own failure, to communicate with us in a timely and legally required fashion than they were of our inability to determine very quickly that XXXX of our over XXXX dozen BOA accounts with XXXX of transactions had been breeched by a thief.

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 2026-03-05 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: CITIBANK, N.A.
State: NC

Complaint narrative:
Escalation of Case # XXXX Citi Reference Number : XXXX I am filing an escalated complaint against Citibank for failing to conduct a reasonable investigation into my disputed charge of {$160.00}. Citi wrongfully denied my dispute based on easily disprovable factual errors regarding my return to XXXX ( XXXX # XXXX ). Citis denial letter stated XXXX incorrect claims, which my provided evidence clearly refutes : - Citi 's Claim : " The return was sent to " XXXX '', not a XXXX facility. '' " XXXX '' on the provided return shipping label stands for " XXXX XXXX XXXX XXXX ''. The shipping label explicitly lists the delivery address as XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. This is a verified, official XXXX XXXX XXXX. - Citi 's Claim : " The order numbers on the documentation do not match. '' All documentation, including the original receipt, return authorization, and the physical XXXX label, reference the exact same order number : XXXX. XXXX internal system occasionally prints the number without the hyphen ( XXXX ), but it is unequivocally the same transaction. - Citi 's Claim : " The merchant did not receive the returned merchandise. '' XXXX tracking number XXXX confirms the XXXX package was successfully delivered to the XXXX XXXX XXXX XXXX XXXX, XXXX on XX/XX/year>, at XXXX AM. I utilized the prepaid return label provided directly by XXXX. My obligation as a consumer ended when XXXX successfully delivered the package to XXXX 's designated facility. Citis failure to verify basic merchant facility abbreviations does not invalidate my documented return.

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 2026-03-05 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Selene Holdings LLC
State: MD

Complaint narrative:
My account was in foreclosure and I was required to pay a restatement amount by XX/XX/year>. I paid everything but the outstanding fees as of XX/XX/year>. I requested a waiver of fees via email to my mortgage provider on XX/XX/year>. The mortgage provider sent me a letter dated XX/XX/year> stating that fees were waived. Unfortunately, by the time I received the letter I had already paid the outstanding fees on XX/XX/year> in accordance with the restatement letter. Selene Finance will not return the Funds since I paid them. I would like these funds back since they stated the fees were waived. See details of the letter from Selene Finance stating they would waive fees below : Selene Finance LP ( " XXXX '' ) received your email on XX/XX/year>, on your mortgage account referenced above. On XX/XX/year>, XXXX waived late fees totaling {$4200.00} and returned check fees totaling {$280.00}. Both are now at a {$0.00} balance. Please be advised that according to the terms of the original agreement, installments are due on the first day of each month. However, you have a grace period of fifteen ( XXXX ) calendar days after the due date to remit your payment before late fees are assessed to the account. As of the date of this letter, the account is due for XX/XX/year>. If you have any additional questions, please contact our office.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Validation of Debt Request - CREDIT COLL XXXX XXXX XXXX XXXX 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation