vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: AZ

Complaint narrative:
To Whom It May Concern, I am writing to dispute inaccurate information that appears on my credit report. This is a formal request under the Fair Credit Reporting Act ( 15 USC 1681i ) for you to investigate and delete this item if it can not be properly verified.

Reason for dispute : I have no contract or agreement with this debt collector. They have not provided proof that I am legally obligated to them, nor documentation of a valid assignment or purchase of the debt. Without such evidence, this account is inaccurate and unverifiable.

As required by law, please conduct a reasonable investigation of this matter. Unless the furnisher can provide verified documentation that this debt is valid, including proof of contract and chain of title, this account must be deleted from my credit report.

Please send me written confirmation of your investigation results.

Thank you for your prompt attention to this matter.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I lost my phone and some how they hacked the phone and changed my passwords to everything on my account.now I can't access nothing to pay my bills

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I made an order in XXXX from an online storefront for speakers. The transaction was processed through XXXX. The merchant never sent a tracking number, no item received. I filed a dispute shortly after. All I have is the confirmation email. After multiple calls my card company has stonewalled me and put the process in limbo. Management has refused a provisional credit. Spoke with XXXX XXXX, Senior Supervisor, who has also refused a provisional credit. I have included the original transaction confirmation that was sent weeks ago to Comenity bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Key 2 Recovery, Inc.
State: RI

Complaint narrative:
I keep getting multiple voice mail messages from Key to recovery about a debt for someone else who does this phone number, I have tried to tell them that this is not the phone number for the person who they are trying to collect debt for.

They say they are removing my number but that is not happening and I am tired of being harrassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express company website displays High Yield Savings percent " accurate as XX/XX/year> '' as 3.4 %. My account displays it as 3.3 %. You will say " human error '' or " not updated web site '', I will say " Company mismanagement '' and first step to the fraud. Cents from one account could lead to NOT Earned millions for company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I am disputing an additional fee of {$30.00} assessed on my Hyundai auto loan related to a bank account ending in XXXX, which is not my account and has never belonged to me. This fee was incorrectly charged. 

I have already paid my legitimate monthly payment of {$540.00}. In addition, I paid {$27.00} due to a billing issue from last month, to keep my account current, bringing my total payment to {$560.00}. I was also charged an additional {$4.00} for using a debit card, making the total payment {$570.00}.

I requested that Hyundai provide documentation showing how, when, and by whom the unauthorized account was added, verification of the fee amount, and confirmation that my account remains current. I also requested assurance that no negative credit reporting will occur while this disputed fee is being investigated.

The Hyundai supervisor I spoke with have denied opening a dispute due to system limitations, but I want this issue escalated to the Payment Research / Unauthorized Account department or corporate level for proper review and resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mortgage Research Center, LLC
State: GA

Complaint narrative:
Borrower Name : XXXX XXXX XXXX  Servicer : XXXX XXXX XXXX XXXX Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Statement Date Referenced : XX/XX/XXXX I am filing a complaint against my mortgage servicer, XXXX XXXX XXXX XXXX, regarding a serious and ongoing escrow servicing error involving my property taxes that has resulted in incorrect charges, an inflated escrow balance, and repeated unjustified increases to my monthly mortgage payment. 

My servicer is continuing to claim that I owe {$4800.00} in property taxes for a prior year, despite the fact that my actual property tax bill after exemptions is {$33.00}. The servicer is also incorrectly stating that the {$33.00} amount applies to tax year XXXX, even though there is no XXXX property tax bill issued. I have repeatedly explained that their numbers are incorrect. 

Despite my explanations and providing a copy of the official tax bill, XXXX XXXX continues to maintain my escrow account as if my annual tax obligation is {$4800.00}, which is false. Because of this error, my escrow account has been miscalculated, and my monthly mortgage payment has increased multiple times. 

According to my mortgage statement dated XX/XX/XXXX, my servicer already paid {$4800.00} to the tax collector and is still treating this amount as owed, even though my confirmed tax liability is only {$33.00}. This appears to be a significant escrow overpayment that has not been corrected or refunded. 

I have called XXXX XXXX multiple times to resolve this issue. During these calls, I have repeatedly explained that their escrow and tax figures are wrong, that there is no XXXX tax bill, and that my actual tax obligation is {$33.00}. Despite this, no correction has been made. On more than one occasion, representatives have hung up on me during the call, preventing resolution of the issue. 

I am requesting the following corrective actions : A full and accurate escrow review Immediate correction of the escrow account to reflect the true tax liability Refund or credit of any escrow overpayment related to the {$4800.00} tax payment Adjustment of my monthly mortgage payment to the correct amount A written explanation of how this error occurred and how it has been resolved I believe this constitutes an escrow servicing error under RESPA, and I am requesting CFPB assistance to ensure this matter is corrected promptly and accurately.

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 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
I am disputing the charges being pursued by Caine & Weiner Company , Inc. related to my former merchant services account with XXXX. 
I was a XXXX merchant for several years, and after my company was formally closed, customer chargebacks were initiated for transactions that occurred after closure or were processed without my involvement. These chargebacks were transferred to me personally, while the merchant processor did not absorb or address the losses. 
I am requesting a clear explanation of how these chargebacks originated, why they were assigned to me after the business was closed, and what contractual basis establishes my responsibility for them. 
I uploaded the XXXX  credit report with collection reported also copy of emails from collection

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Foris DAX, Inc.
State: NC

Complaint narrative:
I have been a customer for a while now of crypto.com. I use the visa debit card in blue, I also have my weekly pay direct deposited for over a year now. I have had various issues with this company. I will detail below and attach proof of each. 
XXXX to credit refunds to card. Recently ; XXXX $ refund from XXXX in XXXX that was sent to the card in the last 6 months when i booked it, made a mistake and canceled the same day. Funds were taken out but never returned and confirmed by merchant refunded. XXXX charges of XXXX each refunded by experian for a membership i canceled, confirmed refunded and never were credited back to my balance of the card. this happened in XXXX XXXX purchasing gift cards on there with my funds. i purchased multiple XXXX and XXXX eats cards that some balance used and some were never used and canceled in the app. i have a few XXXX dollars they never returned to my usd balance as they note when usued or remaining balance. XXXX XXXX XXXX time use cards XXXX in the amount of XXXX $ all to be returned. and XXXX refund amount to the one ending in XXXX never received. since XXXX I have asked for help XXXX my card is in my possession, and i had past charges valid with a legendz.com and a spinquest.com. closed those accounts and both kept charging me. i provided proof to crypto.com many times and raised disputes and asked for help on the service chat and they never respond, tell me to check my email or the merchant responsible for the refund when i provided proof it was closed and i am still getting charged and it is over XXXX i was fraudulently charged as well. and i reported immediately and provided proof and still am getting charged every time i unlock the card. file dispute and they give me nothing no help or no answers or say they sent an email on the subject or refuse to investigate the dispute when plenty of proof provided and its been since XXXX they have not helped me or recovered my fuds. Legally, they are required to investigate and under these circumstances provide provisional credit ; and they have done nothing in almost XXXX  days at all other than not investigate, not respond, transfer me around, not reply even, tell me to wait. I am out of thousands due to them and they are not acting legally and also have not helped and the funds they themselves are responsible for they do not credit back those refunds and have not issued credit or helped in any way.has put me in severe debt waiting for help and funds recovery and mentally and health impacts too given my illness.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
Company : Comenity Bank ( Zales Credit Card ) Product : Store credit card deferred interest promotional financing In XX/XX/XXXX, I used my Zales credit card issued by Comenity Bank to finance a jewelry purchase under a no interest if paid in full within XXXX  months deferred-interest promotion.

Throughout the promotional period, I made every required payment on time. However, Comenity repeatedly reduced my minimum monthly payment during the promotion, even though a reduced payment made it mathematically impossible to pay off the promotional balance by the expiration date. 
At no point was I clearly informedverbally or in writingthat : The minimum payment would not amortize the promotional balance, or That the minimum payment was being reduced in a way that ensured the balance would remain at the end of the promo period. 
When the promotion expired on XX/XX/XXXX, Comenity immediately added approximately {$4700.00} in retroactive deferred interest, despite my consistent payment history. 
When I contacted Comenity on XX/XX/XXXX, I was told : There was a " XXXX day '' or no grace period for deferred interest, and that they couldn't do anything, They were unwilling to offer any goodwill or partial interest credit, even though the expiration date was narrowly missed and the payment structure worked against payoff. We tried to speak to XXXX different Supervisers, they all said they wouldn't/ couldn't do anything. 

While I understand deferred interest terms, Comenitys conduct was unfair and misleading because : Minimum payments were actively reduced during the promo without disclosure of the payoff impact. 

The payment structure created a predictable failure to pay off the balance within the promotional window. 
I was never provided proactive notice or payoff warnings explaining that my payment amounts were insufficient to avoid the deferred interest penalty. 

The resulting interest charge is grossly disproportionate to the remaining balance and payment history. 
This appears to be an unfair business practice designed to maximize deferred interest revenue rather than allow consumers a fair opportunity to satisfy promotional terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: CO

Complaint narrative:
Whom It May Concern, I am submitting this complaint regarding Midland Credit XXXX repeated failure to properly validate a disputed account originally issued by XXXX XXXX XXXX. 
This is my fourth formal dispute regarding this account. Despite multiple prior disputes, Midland Credit Management has consistently failed to provide complete and legally sufficient validation. 
Most recently, on XX/XX/year>, I formally disputed the accuracy and validity of the alleged debt and requested full documentation. This dispute was sent via certified mail. 
Midland Credit XXXX response remains deficient for the following reasons : XXXX. Failure to Properly Validate the Debt The materials provided consist only of partial billing statements and a summary page. XXXX did not provide : o A copy of the original signed credit agreement or contract o A complete itemized accounting explaining how the balance was calculated o Documentation establishing Midland Credit XXXX legal ownership of the debt ( assignment or bill of sale tied specifically to my account ) Repeatedly providing incomplete documentation does not satisfy debt validation requirements. 
XXXX. Backdated Correspondence and XXXX XXXX XXXX response is dated XX/XX/year>, yet I did not receive it until XX/XX/year>. The envelope provided contained no postmark, making it impossible to verify when the correspondence was actually mailed. 
This raises concerns regarding the accuracy of XXXX records and whether the correspondence was mailed when represented. 
XXXX. XXXX XXXX XXXX Midlands correspondence instructs me to provide contracts, bills, or statements to prove the balance is incorrect. This improperly shifts the burden of substantiating the debt onto the consumer. Under the FDCPA and FCRA, the obligation rests with the debt collector and furnisher to substantiate the accuracy, amount, and ownership of the alleged debt. A consumer is not required to disprove an unverified claim. 

Under 15 U.S.C. 1692g and 1681s-2 ( b ), the obligation rests with the debt collector and furnisher to substantiate the accuracy, amount, and ownership of the alleged debt. 


After XXXX disputes and repeated failures to provide proper validation, the account remains unverified. The documents provided consist solely of generic credit card terms and conditions and a basic account summary. These documents do not include the specific documentation required to validate the alleged debt, such as the original signed agreement, itemized statements detailing the charges, or proof of legal authority to collect. As such, the debt remains unvalidated.Due to these failures and violations, including the creditors failure to submit the requested documentation sufficient to validate the disputed charges, and its failure to provide such validation within the required statutory timeframe, the alleged debt has not been properly verified as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Company : Synchrony Bank Product : Credit card ( Venmo Visa ) Issue Type : Credit limit reduced/ over-limit status Desired Resolution : Correct reporting, explanation, and remediation Complaint Description I am submitting this complaint regarding my Venmo Visa credit card issued by Synchrony Bank.

Synchrony reduced my credit limit without warning, which immediately caused my account to be reported as near or over the limit, despite no new purchases or charges being made. 

At the time of the credit limit reduction : My account was current I had not missed any payments I had not exceeded my prior credit limit The over-limit condition was caused solely by the issuers unilateral action This action created immediate financial and credit harm by : Artificially inflating utilization Creating an over-limit condition without consumer action Potentially damaging my credit profile due to issuer-initiated changes I contacted Synchrony to request : A temporary credit limit restoration, or Confirmation that the account would not be reported as over-limit due to an issuer-initiated limit reduction At this time, the matter remains unresolved. 



Why This Is a Problem While I understand issuers may reduce credit limits, doing so in a way that instantly penalizes the consumer without new spending is unfair and misleading, especially when the account is in good standing.

This practice : Penalizes consumers for actions they did not take Creates avoidable credit reporting harm Lacks adequate notice or opportunity to respond I am requesting CFPB assistance to ensure this account is not reported as over-limit, and that any negative reporting resulting from the issuer-initiated credit limit reduction is corrected.

Requested Resolution I respectfully request that Synchrony Bank : 1. Confirm the account will not be reported as over-limit due to an issuer-initiated credit limit reduction 2. Correct any negative reporting already submitted 3. Provide a written explanation for the credit limit reduction 4. Review internal policies regarding issuer-initiated limit reductions that cause immediate consumer harm

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 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
ABSOLUTE RESOLUTIONS I is falsely reporting on my credit. I have never had any accounts with them. Per my research ABSOLUTE RESOLUTIONS I 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 2025-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Ongoing ShellPoint dba NewRez took over my VA loan, i have become very ill, XXXX, surgeries etc and I asked for assistance like a modification, the person named XXXX said NO if i don't like it then sue us? 

As a XXXX Veteran who has become ill and going thru life saving XXXX XXXX and many Surgeries Shellpoint is of NO Help and does NOT care about Veterans

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 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I am disputing this account and requesting full debt validation. This account is being reported on my credit report, yet I have not been provided documentation verifying the accuracy, ownership, or enforceability of the alleged debt. I have not received account statements, a signed agreement, or a detailed explanation of the balance being reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief