vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 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: Zip Co US Inc.
State: PA

Complaint narrative:
On XX/XX/year> I placed an order through Zip for XXXX XXXXXXXX XXXX XXXX XXXX. Zip charged me twice and since I have confirmed with XXXX XXXX, that XXXX XXXX 's absolutely does not accept zip as a payment method therefore the orders were not received and XXXX XXXX absolutely never received any money for the transactions Order numbers in question XXXX and XXXX. I have email communication from XXXX XXXX the director XXXX XXXXXXXX XXXX XXXX who worked very closely with their advanced technology support team.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

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 explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
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 response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

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 explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I reviewed my updated credit report hoping to see the deletions and corrections of what I previously submitted. I sent a complaint explaining the violations and reasons why it should be removed. Hence these accounts remain despite my prior disputes with the credit bureaus. The bureaus refusal to remove accounts resulting from identity theft is a blatant violation of FCRA 605B and demonstrates willful noncompliance. I demand immediate deletion of these fraudulent accounts, corrective disclosures, and enforcement action to hold the bureau accountable for its unlawful conduct. I demand immediate reinvestigation, deletion of unverifiable accounts, and full compliance with federal 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 2026-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I reviewed my updated credit report hoping to see the deletions and corrections of what I previously submitted. I sent a complaint explaining the violations and reasons why it should be removed. Hence these accounts remain despite my prior disputes with the credit bureaus. The bureaus refusal to remove accounts resulting from identity theft is a blatant violation of FCRA 605B and demonstrates willful noncompliance. I demand immediate deletion of these fraudulent accounts, corrective disclosures, and enforcement action to hold the bureau accountable for its unlawful conduct. I demand immediate reinvestigation, deletion of unverifiable accounts, and full compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: U.S. BANCORP
State: TN

Complaint narrative:
About XXXX of 2025, I ordered implements for my XXXX wheeler. This was paid from my checking account. Some items arrived but, not all. Contacted the company to get missing items. Company sent all items again. Contacted the company regarding the error and they said it wouldnt charge. In XXXX I changed the card to a primary card under that company. Company then charged that card for the additional implements. Contacted company to report issue. They said to file a fraud claim with Card holder. Filed claim with card holder who refunded XXXX of XXXX that were flagged. Fraud claim was closed without contacting me for additional information. Called in XX/XX/year> to determine why the claim was closed and was informed they contacted an individual outside my household and disclosed the information to said individual. Individual had no knowledge of card. Closed card based on violation of CFPA and failure to properly investigate fraud claim. Sent certified letter stating this along with final payment owed on card. Company refuses to discuss with me, correct issue, or respond to certified letters. I have asked the company to cease and desist reporting negatively on my credit report as the charge is fraudulent and wasnt properly investigated. I have asked for arbitration and XXXX per negative comment on credit report.

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 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, ATM withdrawal for {$40.00} plus a XXXX dollar non-Chase ATM fee posted to my account. I immediately called Chase and alerted there was fraud on my card. They did a review and today charged me again for the {$43.00}. I adamantly explained I did not use ATM was at work that day and then took my son to XXXX. If you look back at the history I never use ATMs. I have direct deposit and I just do XXXX XXXX or I use my card. Chase stated that because my pin was used it mustve been me. I asked where the ATM was that was used. They said it was outside my geographical area but wouldnt give me specifics. I explained I was at work on that Monday, XX/XX/XXXX. I was not outside my geographical area. They still kept the {$43.00} charge in my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: UT

Complaint narrative:
They placed a collections on my credit report. The debt is not mine, and I don't know what it even is. They did not try to communicate with me whatsoever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
I requested that they tell me how I violated the user agreement. I opened my account, had XXXX person send me money, tried to deposit to personal checking account, and they placed a hold on funds for XXXX days. I provided government ID as they requested. XXXX account opened : XX/XX/year> Received payment of {$180.00} on XXXX Tried to deposit into my account XXXX Was told to submit ID verification on XXXX Placed on XXXX day hold on XXXX Was emailing XXXX support XXXX requesting how I violated the user agreement and they did not provide any evidence, and they said they were closing my ticket. case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: U.S. BANCORP
State: FL

Complaint narrative:
on XX/XX/year> a charge for XXXX XXXX was charged also another charge on XX/XX/year> in the amount of {$2100.00}. I order a garage from this company was told it would be installed in 90 days and never kept there promise so I requested my money back I did not receive any product and I will not pay for something I never recieved. I just go a call last week to tell me our garage was ready to install this is a year later and again I will not pay for something I did not receive. This should of been taken care of a year ago. I do have text messages saying when it would be installed

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 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
Constant calls from XX/XX/year> to current ( XX/XX/year> ). No proof of debt has been provided by the company. This is harassment without proving any valid debt is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I have no loan with Westlake Financial, nor have I had a vehicle repossession. The only loan Ive had was with XXXX for a XXXX XXXX in 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: PA

Complaint narrative:
discovered a collection from Waypoint Resource group on my report in XXXX XXXX this account had already been removed by another credit company die to unable to verify it belonged to me. It was then sold to Waypoint. Waypoint never contacted me. I tried contacting via the information provided on the credit report. The phone number does not work, and I sent a request via mail to provide proof on XX/XX/XXXX. I sent an email to XXXX also requesting this. I found that on the internet with another number. I reached out on the other number and was told a letter was sent XX/XX/XXXX, but I have informed delivery via XXXX and verified nothing from them came in XX/XX/XXXX. The rep repeatedly contradicted himself by saying they did and then didn't send me information to my email but was unable to tell me what email it was sent to. I requested they send me proof of the debt, and they insisted it be sent via email. I stated they must send to my address by law, and I do not agree to email contact. This company has violated multiple laws in their process of attempting to collect a debt that's not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This account is being reported inaccurately. I requested validation, and the company failed to provide adequate documentation. Under the Fair Credit Reporting Act, unverifiable information must be removed. I am requesting deletion of this account from all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: TX

Complaint narrative:
I am writing to report Willow Lake Lending for predatory lending practices involving XXXX # XXXX. The company is charging a 738.23 % APR on a {$300.00} principal, resulting in a total repayment of {$1600.00}. This lender is using a " XXXX XXXX '' model to intentionally evade state interest rate caps and consumer protection laws in Texas. The agreement mandates binding arbitration and claims sovereign immunity to prevent borrowers from seeking legal recourse in state or federal courts. I am concerned that this company is part of a " XXXX '' scheme where a third-party non-tribal entity is actually managing the loan operations while hiding behind tribal sovereign immunity to charge illegal interest rates. I request that the CFPB review this lenders practices and their compliance with the Consumer Financial Protection Act, specifically regarding unfair, deceptive, or abusive acts or practices ( UDAAP ).

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 2026-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: LoanCare, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX of XXXX I was XXXX with XXXX : XXXX XXXX and it was a very difficult time because I only got paid a quarter of my salary. I called XXXX loan care and I explained my situation to them and they said that I qualified for a forbearance they gave me almost a year of forbearance which totals XXXX to XXXX payments and then at the end of the forbearance, I tried to apply for assistance and when I did that, they said that I had to make my first payment in XXXX and then XXXX, and then XXXX at that point I specifically told them because I was retired and I was getting my first XXXX check at the end of XX/XX/XXXX and I explained it to them and gave them documentation to proof in regards to my financial situation. They said OK so I made the XXXX payment come XXXX when I call them on the XXXX. They said that I was dropped from the trial because I didnt make it on the timeframe and I specifically told them that I spoke to a supervisor XXXX and she said that she would write it in the system. There was nothing that was written. I was treated like I was a child like a dog and they said I dont know what to tell you you just have to either sell the house XXXX do a deed of XXXX and I thought that that was rude of them to be so mean to me to drop me due to I couldnt make my payment on the first of the XXXX and I told them specifically that I couldnt do it till the XXXX. I applied XXXX times for assistance with XXXX loan care. They denied me because they said they were following FHA guidelines. I called FHA and I asked them what their guidelines were in regards to a forbearance and for assistance for a person who has proof of his illness and they said that that the company was not following guidelines. Theyre making up their own rules so I called back and I told them that, and once again they were rude to me and they said the only choice you have is deed of lied or short sale I said is there anything that I could do to save my home please? I beg you they didnt give a XXXX and I thought that that was so rude so I am writing this so that you guys can let them know that this is unacceptable and they need to follow guidelines and stop making up their own guidelines and policies. XXXX XXXX XXXX XXXX and Im trying to get over this XXXX but also Im gon na lose my home because they told me that my file went to a law office for foreclosure, but there is no sale date. I would like you guys to stop this foreclosure and have them open their cold hearts and put me back on a payment or put what I owe from the forbearance which is {$31000.00} which equals out to XXXX to XXXX monthly payments with of course, interest and legal fees and let me start my payments and do not foreclose on me and I could start making my payments of {$2000.00}. Please help me youre my last hope.

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 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I am submitting this complaint due to Midland Credit Managements continued failure to adequately substantiate a disputed debt and their continued reporting of information that has not been properly verified. Midland Credit Management is reporting a balance of {$2300.00} on this account. Prior to charge-off, the balance was significantly lower ( approximately {$1600.00} ), and I specifically disputed the accuracy of the reported balance. On XX/XX/year>, I filed a prior complaint with the CFPB regarding this same issue. Midland Credit Management requested additional time and was given up to 60 days to investigate and provide a response. Their final response did not include sufficient documentation to substantiate the balance and failed to provide a complete accounting of how the amount was calculated. Following that response, I made additional efforts to resolve this matter directly with the company. I submitted a written settlement offer, followed by a follow-up message, a final notice, and an additional extension of time for response. In each communication, I clearly requested that all responses be provided in writing. Despite multiple opportunities and extended deadlines, Midland Credit Management failed to provide any written response to my settlement offer. Instead, their representatives repeatedly directed me to contact them by phone and stated they had limited access via chat, refusing to engage in written communication. Additionally, Midland Credit Managements chat system does not retain message history, which prevents proper documentation of communications and creates a lack of transparency. Regarding validation, I requested documentation sufficient to substantiate the balance, including a complete payment history and an itemized breakdown of all charges, interest, and fees. Midland Credit Management failed to provide this. Their response consisted primarily of a single billing statement reflecting only one billing cycle, along with non-substantive or blank pages. This does not explain how the balance was calculated or verify its accuracy. Despite failing to properly substantiate the disputed balance, Midland Credit Management continues to report this account to the credit reporting agencies as accurate. I am requesting that Midland Credit Management either provide full documentation substantiating the balance or correct/delete the tradeline if the balance can not be verified. I am also requesting the ability to communicate in writing for proper record-keeping.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: WI

Complaint narrative:
Lockhart, Morris, & Montgomery opened an account on XX/XX/XXXX of 2025. The amount is {$650.00}. I don't know what that is and it's not mine and now its a collection on my credit. I would like it removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation