vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: NE

Complaint narrative:
This complaint concerns a telecommunications debt currently being collected by Diversified Adjustment Service. 
On or about XX/XX/year>, this account was placed for collection with a reported balance of approximately {$1300.00}. 
I disputed the account and requested validation of the debt, including proof that the account belongs to me, the service agreement, billing statements, and an itemized breakdown of the balance. 
Despite my request, the company failed to provide documentation validating the debt or confirming the accuracy of the amount. 
The debt collector continues to attempt to collect and report this unverified debt to the credit bureaus. 
This conduct violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
I am requesting deletion of this account from my credit report and that collection activity cease unless proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
I am submitting this complaint regarding Freedoms reporting of a late payment on my account, which I believe was inaccurate due to miscommunication from their representatives. 

Timeline and Issue : I contacted Freedom multiple times asking about the start of underwriting and loss mitigation for my account. 
In XXXX, I was told that action on my account was possible at that time. 
In reality, loss mitigation only began in XXXX. 
As a result of this miscommunication, a late payment was reported to the credit bureaus, which caused a negative impact of approximately XXXX points to my credit score. 

I acted in good faith based on the information provided by Freedoms representatives. The inaccurate late payment reporting has caused significant harm, and I request that the CFPB assist in having this late payment removed from my credit report. 

Thank you for your attention to this matter. I am happy to provide any additional documentation necessary.

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 2026-01-24 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
It was yesterday XXXX XXXX. Mind you I have filed a a hardship for I have lost my job and I am a single mother. I can only afford to pay {$100.00} for now. The man named XXXX XXXX was being so XXXX. And I told him I lost my job. Mind you I was a XXXX  at the time. And he basically said I should continue to do so to pay my debt. I lost my job!!! Also he said because I had an agreement on {$320.00} a month that I need to continue to pay that and said we both are adults. The call was so disrespectful. He than proceeded to hang up on me and I had called him back and informed him he can not talk to me like that. He than lowered my payment to {$100.00} for the next 6 months. He needs to be fired for the way he threatened me, talked down to me. That is gross. I reached out to the debt collector they never reached out to me to make the payments. I been in good standing since I been making them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Chime Financial Inc
State: PA

Complaint narrative:
Yes, I have tribe since XX/XX/year>, an advertisement says spot me with Chime get up to {$200.00} as long as you have a consistent direct deposit over {$200.00} and I do. I called Chime and theyre trying to say a different thing when I met all the requirements of a qualified direct deposit of {$200.00}. 

Also, I never received my payment from Chime for the Class Action settlement

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 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: NY

Complaint narrative:
I am formally disputing a collection account from your agency that has appeared on my credit report without any prior notification or communication to me. This is my first awareness of this alleged debt, and I have substantial concerns about its accuracy and whether it legitimately belongs to me. Under the Fair Debt Collection Practices Act, I am legally entitled to receive complete verification and documentation of any debt your agency is attempting to collect. I am exercising this statutory right and demanding that you provide comprehensive validation, including the original creditor 's name, a detailed breakdown of the amount claimed, and documented proof establishing my legal obligation for this debt. All collection activities and credit reporting must stop immediately until proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: PA

Complaint narrative:
I graduated college in 2024. Since my payments history started, Ive been making payments every month. Im on the lowest payment plan. Edfinancial reported me. Even though Im making active payments on all loans. And my credit score dropped XXXX points. I dont think thats fair because I am actively making payments. I tried to communicate with them and I got the wrap around and when I spoke on the phone, they told me that it was perfectly OK to make low payments as low as a dollar. As long as Im making payments every month Im fine which is what Ive been doing when I login it doesnt say that I owe anything for that month but somehow they reported me multiple times which is negatively affecting my credit score which is not OK.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
To Whom It May Concern, This letter serves as formal notice that account number XXXX is the result of identity theft. I did not open, authorize, or benefit from this account in any way. 

Your continued reporting or collection activity related to this fraudulent account is a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and applicable identity theft protections. I am not financially responsible for this account. 

I demand the following actions be taken immediately : A full investigation confirming the account is fraudulent Permanent closure of the account Removal of all related information from my credit file Written confirmation that I bear no liability Failure to comply may result in formal complaints to the FTC, CFPB, State Attorney General, and pursuit of all legal remedies available to me. 

Govern yourself accordingly. 

Sincerely, XXXX XXXX XXXX

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 2026-01-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I made a purchase with my XXXX XXXX comenity ( bread financial ) credit card. The payment from my bank somehow posted to the wrong account, I was charged {$40.00} in late fees twice. And I later discovered the payment was sent with the wrong account number, ( how I don't know, I've been a cardholder for 20 years ). 
I informed them and asked for a removal of the {$80.00} of late fees and provided my bank 's proof of payment. They did not and now my credit score is going down over a pair of {$40.00} birthday pajamas. I made timely payments, with my name, they returned them, and are penalizing me with 2 {$40.00} late fees, despite documentation from my bank. Comenity is also reporting my payment as late to the credit bureaus and causing my credit score to go down.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: DC

Complaint narrative:
I asked for documentation of : 1 ) figures after my loan decreased when the unnecessary warranty placed in my vehicle at time of purchase 2 ) not being able to refinance the high-interest rate given which do not reflect the history in vehicles that I have had in the past and paid off, without incident 3 ) extreme over-priced interest rate placed on me for failure purposes, so that no finance company will re-fi me no matter what.

4 ) violation of my constitution and civil right, to be treated fairly as the XXXX families children who get low-interest rates because of the color of their skin and how these XXXX  people are continuing to benefit of of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: IN

Complaint narrative:
In XX/XX/year>, my credit card was lost or stolen and unauthorized individuals accessed my XXXX XXXX account and Discover account. They made charges without my consent, and as a result, the account became delinquent and was eventually charged off. I reported the fraud to XXXX XXXX, but my claims were denied and the fraudulent activity was not corrected. I also filed an Identity Theft Report with the FTC and a police report documenting the unauthorized activity. The incorrect account information has since appeared on my credit report, negatively affecting my credit score. I am requesting that XXXX XXXX and Discover reinvestigate the account, remove the fraudulent charges, and correct any inaccurate reporting resulting from this identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WAFD BANK
State: CA

Complaint narrative:
My name is XXXX XXXX. I am submitting this complaint regarding XXXX XXXX XXXX  XXXX WaFd Bank ) reporting alleged fraud activity to XXXX  which caused the closure of my bank account and has prevented me from opening a new account at another bank. I believe this report is inaccurate and resulted from a misunderstanding involving a mortgage overpayment refund. 

In XX/XX/year> and XX/XX/year>, I made double mortgage payments to XXXX XXXX  XXXX in the amount of {$6300.00} each month. One payment was made through scheduled auto-pay, and another payment was made manually by me. This resulted in an overpayment on my mortgage account. 

I contacted XXXX XXXX  to request a refund. They informed me that a refund check had been issued. After not receiving it, I called again and was told a replacement check would be sent. Shortly afterward, I received a check, deposited it into my WaFd Bank account, and it was later returned. XXXX then informed me that the first check had been stopped because a second check had been issued. To avoid further complications, I requested that both checks be canceled and that the refund be sent by direct deposit instead. XXXX completed the direct deposit successfully. 

Later, WaFd Bank contacted me stating that the deposited check appeared to be fraudulent. I provided documentation showing that the check was issued by my legitimate mortgage servicer and explained the situation in detail. A WaFd Bank associate confirmed that my explanation and documentation were acceptable. However, a few days later, WaFd Bank closed my account without further notice. 

When I attempted to open an account at another bank, I discovered that WaFd Bank had reported fraud activity to XXXX. I contacted XXXX  to dispute the report, but they stated they could not remove it without verification from WaFd Bank. 

This inaccurate fraud report has caused significant hardship, as I am now unable to open a bank account despite having done nothing fraudulent. The issue arose solely from a refund reissuance and stop-payment process handled by my mortgage company. 

I respectfully request that the Consumer Financial Protection Bureau investigate WaFd Banks handling of this matter and request correction or removal of the inaccurate fraud report submitted to XXXX. 
My email at wafd- XXXX Phone number XXXX My social- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
I am formally disputing a collection account from your agency that has appeared on my credit report without any prior notification or communication to me. This is my first awareness of this alleged debt, and I have substantial concerns about its accuracy and whether it legitimately belongs to me. Under the Fair Debt Collection Practices Act, I am legally entitled to receive complete verification and documentation of any debt your agency is attempting to collect. I am exercising this statutory right and demanding that you provide comprehensive validation, including the original creditor 's name, a detailed breakdown of the amount claimed, and documented proof establishing my legal obligation for this debt. All collection activities and credit reporting must stop immediately until proper validation is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Ive been behind but Ive been paying my can and never more than 30-45 days. I literally paid them {$2000.00} more than they state. I have it in my records and my credit report. I made a payment in XXXX and went to make a payment last week and couldnt get in. They had my address and numbers wrong. With proof they had the correct info. They repossessed my car today with no option of paying more than what was even owed. XXXX XXXX XXXX XXXX XXXX XXXX and this is not ok

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/year>, I was charged twice for a train trip in XXXX XXXX with the merchant XXXX  High Speed Train. One charge is {$270.00} and the other is {$220.00}. One of the transactions contains an email address and phone number that are not mine, showing I did not authorize it.

I contacted Chase within 24 hours of the charges appearing on my account and submitted proof of the mismatched contact information. Chase initially refunded the charge but later reversed it, claiming the merchant provided documents showing both charges were valid.

During a call, I told the supervisor that it is a law that merchants must provide a photo ID or signature to verify transactions, and that if the merchant fails to do this, the bank should accept the customers claim that the charge is unauthorized. The supervisor, XXXX XXXX, acknowledged that this is the law but stated Chase could not take further action. 

Chase previously instructed me to contact XXXX  authorities, which is not feasible because this is a XXXX XXXX  dispute and I am no longer in XXXX XXXX. Chase also suggested contacting the merchant, but the company has not responded. 

Despite the clear evidence of unauthorized use, Chase has refused to reclassify or refund the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NH

Complaint narrative:
I have XXXX unauthorized charges on my account. All three on XX/XX/year> totaling {$310.00}. XXXX charge for {$60.00}, XXXX charge for {$110.00}, and XXXX for XXXX XXXX I called chime and got absolutely no where on the phone for over XXXX hours. None of the dates and times line up correctly on my transaction history. I disputed the charges just for chime to deny them XXXX hours later. Their customer service was rude and unprofessional and was absolutely useless and helping resolve the matter. 

The times and dates do not line up at all. My transaction history makes no sense and this company does not care about its customers wants or needs. Its the absolute worst financial institution to have and I will be moving forward legally if I do not receive my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
On the XXXX of XX/XX/year> I was Sent 2 transfers from a XXXX one for {$900.00} and one for {$930.00} for first months rent and deposit that was owed to me. My account was in good standing until the transfers came in than cash app wanted me to verify my email when it was already verified and to add a bank or card which I also did. Than they asked for identification so I sent that along with a picture of me in a scan that they do in app upon doing that it said it would take up to 24hrs to process and receive funds. I contacted chat in app asked why it wasn't auto verify they than said it would take up to 72hrs. I asked why so long and they said to wait and stopped chat. Than Open my app after a few hrs to check the verification and it now says my account is suspended for suspicious activity when there is no transactions except those two recent ones from today. My account is now suspended and have no access to my money even after I submitted proper identification

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am formally disputing a collection account from your agency that has appeared on my credit report without any prior notification or communication to me. This is my first awareness of this alleged debt, and I have substantial concerns about its accuracy and whether it legitimately belongs to me. Under the Fair Debt Collection Practices Act, I am legally entitled to receive complete verification and documentation of any debt your agency is attempting to collect. I am exercising this statutory right and demanding that you provide comprehensive validation, including the original creditor 's name, a detailed breakdown of the amount claimed, and documented proof establishing my legal obligation for this debt. All collection activities and credit reporting must stop immediately until proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Credit Karma, LLC
State: TX

Complaint narrative:
XX/XX/XXXX acct locked : I called them twice to ask why my acct was frozen and they just told me it was sent to the resolution dept and to wait 10 business days.

Then I went online chat 2-3 times to be told the same thing. No one can tell me why it's frozen or what steps I can take to unlock it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am formally disputing a collection account that your agency has placed on my credit report without providing me any prior notification or communication. This is the first awareness I have had of this alleged debt, and I have significant concerns about whether this account is accurate or even belongs to me. Under the Fair Debt Collection Practices Act, I have the legal right to receive complete verification and documentation of any debt your agency is attempting to collect. I am exercising this right and demanding that you provide full validation, including the name of the original creditor, the total amount claimed, and documented proof that I am legally obligated to pay this debt. All collection activities and credit reporting must stop immediately until proper validation is furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Majority USA, LLC
State: CO

Complaint narrative:
I opened an account with Majority, a bank backed by XXXX Bank, XXXX, in my real name. My salary was regularly deposited into this account through transfers I made from another bank using a payment card provided by my employer. 

Without prior notice, Majority blocked my account and withheld approximately {$5000.00} USD corresponding to my earned salary and savings that I had accumulated over the past few months. 

The bank demanded that I identify the " depositor, '' but the depositor is myself. I explained the situation honestly. Despite this, Majority refused to return my funds and subsequently blocked all communication : they do not answer calls, emails, or messages, and they do not allow access to the account. 

I request the immediate release of my funds or a written legal explanation justifying the permanent withholding of my money. 

The money withheld corresponds to legitimate wages for work performed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
They misled me by charging me for the card use without asking me did I need the card before they sent it to my address I activated it and I thought it was money that I can use but they misled me

Company response to consumer: Closed with explanation