vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: CA

Complaint narrative:
Company : XXXX ( Credit Control , LLC ) Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Amount : {$3200.00} Date Opened : XX/XX/XXXX On XX/XX/XXXX, while reviewing my credit report during the process of applying for a home loan, I discovered a collection account from XXXXXXXX ( Credit Control , LLC ) in the amount of {$3200.00}. This account was opened without my knowledge or authorization and is fraudulent and an undeniable case of Identity theft. 

On XX/XX/XXXX, I contacted Credit Control , LLC and spoke with a representative named XXXX to initiate a fraud and identity theft claim. I was informed that the unpaid XXXX internet service was opened and service initiated at the following address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX I have never lived at, visited, or had any association with this address. I have been a resident of California for over twenty-five years. Furthermore, I have not had any XXXX services ( phone or internet ) for more than fifteen years. My only brief prior service with XXXX was for approximately one month while residing in California, after which I discontinued their service and have never used them since.

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 2026-02-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally dispute the reporting of an account listed under the name XXXX, XXXX XXXX, opened XX/XX/XXXX, in the amount of {$4900.00}. 

This debt was included in my XXXX XXXX XXXX case in XXXX and was discharged pursuant to 11 U.S.C. 727. As such, any attempt to collect, report, or represent this debt as owed constitutes a violation of the discharge injunction under 11 U.S.C. 524 ( a ) ( 2 ).

This reporting of this account as an active obligation is inaccurate and materially misleading in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ), which prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. Furthermore, pursuant to 15 U.S.C. 1681i, its required to conduct a reasonable investigation and delete any information that can not be verified as accurate and legally collectible.

Additionally, any continued collection activity or misrepresentation of this discharged debt may constitute violations of the Fair Debt Collection Practices Act, including but not limited to 15 U.S.C. 1692e and 1692f.

I demand the following : 1. Immediate deletion of this account from all credit reporting agencies.

2. Written confirmation that the account has been permanently removed.

3. Cessation of any and all collection activity related to this discharged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS 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 2026-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Company Name : LVNV Funding LLC Account Balance Reported : {$1100.00} Date Updated on Credit Report : XX/XX/year> Complaint Summary I am filing this complaint regarding LVNV Funding LLC for reporting an alleged debt in the amount of {$1100.00} on my credit report without providing proper validation. 

I formally requested validation of this debt, including documentation of the original creditor, the original account number, the date of first delinquency, a full accounting of the amount claimed, and proof that LVNV Funding LLC has legal authority to collect this debt.

To date, I have not received sufficient documentation validating this debt. Despite this, the account continues to be reported on my credit report.

Reporting an unverified debt may constitute a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

This inaccurate reporting is negatively impacting my credit profile and financial standing. I request a full investigation and corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
" I requested a final payoff amount by phone for my XXXX XXXXXXXX XXXX account and paid it in full on XX/XX/XXXX. The company then charged {$6.00} in 'residual interest ' that was not included in the payoff. This {$6.00} was then used to trigger a $ XXXX late fee and interest, and subsequently was reported as a SEVERE delinquency to credit bureaus, TANKING MY OVER XXXX CREDIT SCORE OVER XXXX POINTS, severely damaging my credit. I had no late payments or no negative marks on my credit history before this incident. I contacted customer service on XX/XX/XXXX to dispute this, but they refused to help and insisted I immediately pay {$55.00} for the account I had already settled. I paid the amount under duress due to pressure from the phone representative even though i was disputing the charge. I was told they would not even look at or consider any action until after I paid the {$55.00}, at the time I did not know this was illegal. I followed their process of filing an online dispite after I made payment, just to have it immediately d

enied one day after acknowledgement of receiving the dispute. This is an unfair billing practice regarding a 'payoff ' amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
This is the 2rd time I have made large deposit into my Bank of America account and the holds are extended past the times on the printed deposit receipt, longer than explained by the teller/and or chat representative.

Most recently on XXXX, I deposited a check from an attorneys office in the amount of {$9000.00}. I was told by the teller there would be a partial release on XXXX and the rest would be released XXXX. 

This information reflected on my receipt and account. The following day the hold updated from the partial release on XXXX to a hold of all funds until XXXX. This is now one day longer than the standard 7 business days, and longer than shown on the printed receipt, and information given by the teller. I chatted and and the chat representative stated all funds will be released on XXXX at XXXX XXXX. 

on XXXX my account updated to show a hold until XXXX. I attempted to chat once the time had past XXXX XXXX  CST ( Time Bank Of America gives for deposits ) and the funds were still not available. The chat feature was not available and I sat on hold for more than 45 minutes. Once I reached a phone representative I was advised that the " check is suspected to return '' this is settlement check from a reputable law firm drawn off a local credit union account. Oddly enough this is the same reasoning I was given previously when I deposited a check for {$15000.00} on XXXX. 

The {$15000.00} was a withdraw from my XXXX. I was given a hold release date that was extended twice for a suspected return. Again in this instance the receipt, bank teller and later phone banker all gave dates, and when that date came as passed it was explained the check was suspected to return and the date was pushed further. The check deposited on XXXX, was held until XXXX. 11 business days, for funds from XXXX coming out of my XXXX. This seems unreasonable, and at least Bank of America should give proper expectation at the point of deposit. I believe Bank Of America is using an unreliable, algorithm to support holding checks longer than what is allowable.

This account has never had a returned check/NSF.

This account has been open for nearing a year.

This account has not been overdrawn.

Consumers rely on banks to give proper turn times, as money typically deposited is needed. I feel like my money is being held hostage without a clear definitive date as to when a true release of funds will occur.

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 2026-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
Based on the last year report I submitted about Coinbase fraud - # XXXX - I received an email from Coinbase about XXXX tax summary yesterday ( XX/XX/XXXX ). I am not certain if the funds are still there or not. I am not sure how to report to IRS that Coinbase was a fraud/ scam via XXXX account. I received an email from Coinbase recommending me to change the password and reclaim what was left in the Coinbase account. I did not do it because my brother in law as a retired FBI agent observed the email and decided that the email might not be authentic. So, I was being cautious as I encountered a horrifying scam last year. My brother in law said why dont they send me a professional letter.

I have been receiving a whole lot of email scams lately, XXXX XXXX was a spam or scam, Then I got XXXX XXXX email that does not appear authentic, I have already contacted the XXXX XXXX about this email. XXXX to cover the expense of the cell phone but it looked like a scam. I refuse to overreact to the emails and I am checking with the companies to ensure that they are the scams. 

Also, I have been online stalking via emails, text messages, and XXXX. I believe it started with remote access to my newsletter emails without permission, hacking, spoofing, plishing via my financial accounts via online games, hacking my XXXX account, and so on, I do not like this particular person who is a XXXX  with XXXX, very controlling, very needy, very greedy, mentally unstable and disturbed and so on, I do not know if his name is correct but all i know is XXXX in XXXX or XXXX  XXXX area, I ghosted him around the year of XXXX advised by my friends and neighbors. I all of sudden relaized he might be the one who scammed me via XXXX. I remembered his word, why dont you talk to me? via text message.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Lien release
Company: U.S. BANCORP
State: OH

Complaint narrative:
I would like to put on record that I am XXXX XXXXXXXX XXXX daughter, XXXX XXXX and the loan is in her name I am an authorized person on her account. this is the truth as I know it to be. XXXX US Bank provided a Mortgage loan of XXXX. Mom was added onto the note before my step dad passed away in XXXX. Mom got behind and I reached out to XXXX XXXX XXXX for help around XXXX or XXXX. XXXX XXXX XXXX then deposited XXXX towards the XXXX loan with the condition of not selling or refinancing home and continue making monthly payments for 5 years. In XXXX there was a release of mortgage filed with the recorder 's office in XXXX XXXX. US Bank has been continuing to collect monthly payments for a loan that has been fully forgiving in XXXX the instruments on file weren't linked to one another, so it shows that the one that XXXX XXXX XXXX has helped with was released but not the us bank loan. XXXX us bank is claiming we are 18 payments behind and preforeclosure is next. I explained to them about XXXX XXXX XXXX that i believe they say is documented but us bank never finished the paperwork part or fixed their records. so we have been paying since XXXX of XXXX on a loan that has been fully forgiven and paid off. i did send a dispute to US bank via email requesting them to investigate and halt all attempts to collect payments. I am also sending a letter to the US Bank Executive Resolution Team/office of the president today XXXX .

I am having difficulty uploading the original mortgage that was filed with XXXX XXXX recorders office

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 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Asset Recovery Bureau LLC
State: FL

Complaint narrative:
on XX/XX/XXXX a XXXX XXXX called myself stating he was with ARB XXXX. On the same day, this same person called my mother, did not disclose the company they cc called for but stated it was in regard to therapy services and urgent. I deal with mental health issues and have a care team for these issues, the call panicked my mom as she thought something serious had occurred. I made her aware whoever called was not who they said they were ans not to worry. they call me everyday all day multiple time back to back never once leaving a voice mail, message or anything. XX/XX/XXXX was the first someome even alluded to a reason for calling and they lied to my concerned mother

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am submitting this complaint regarding a collection account being reported under XXXX XXXX in the amount of {$110.00}. 

This account appears on my consumer credit report as a telecommunications collection. I dispute the validity, accuracy, and enforceability of this alleged obligation. 

I did not open, authorize, or agree to any XXXX XXXX account during the timeframe reflected on my credit report. I did not sign a service agreement, activate service, or authorize anyone to establish telecommunications service in my name. I have not knowingly benefited from any services associated with this alleged account. 

Despite this, the account has been reported as a collection account, negatively impacting my credit profile. 

The reporting raises several serious concerns : I did not authorize this account. 

I did not receive proper documentation establishing my contractual obligation. 

I did not receive sufficient validation prior to the account being reported. 

The reporting lacks clarity regarding the original agreement and basis of liability. 

The account appears without proper supporting documentation demonstrating my responsibility. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of information are required to provide accurate and complete information to consumer reporting agencies. Information that is inaccurate, incomplete, or lacking proper documentation may violate federal law.

Additionally, I was affected by the XXXX  Equifax data breach, which exposed sensitive personal information. Because of this exposure, I am particularly concerned about the possibility that my personal identifying information may have been used improperly to establish this account. 

The appearance of this account without my authorization raises concerns regarding identity misuse or improper account creation. 

This matter has negatively affected my credit standing and financial profile. 

Requested Resolution : I am requesting immediate deletion of this XXXX XXXX account from all consumer reporting agencies unless XXXX XXXX can provide competent documentary evidence establishing that I personally opened and authorized this account. 

If proper documentation can not be produced demonstrating my legal obligation, the account should be permanently removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: MORGAN STANLEY & CO. LLC
State: VA

Complaint narrative:
This complaint follows complaint number CFPB XXXX wherein the stated remedy for removing the account restriction was to conduct a XXXX-XXXX call with the issuing bank, which occurred on XX/XX/year>. During this call, the representative verified all information, and led me to believe that because of this, the restriction would be removed. However, despite allowing the requested additional XXXX days for the restriction to be removed, it remained as of XX/XX/year>. In a final attempt to make a good will attempt to resolve the issue and have the restriction removed, before pursing legal remedies, I contacted the bank to check the status and was again told to wait. This unacceptable, and illegal practice, should be scrutinized by regulators within the OCC and CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am a XXXX XXXX holder. I am filing this complaint regarding a {$300.00} hotel statement credit that was denied due to a technical failure and misleading user interface on the Amex  XXXX portal. 

On XX/XX/year>, I accessed my account and clicked directly on the " XXXX XXXX '' benefit portal to book an eligible stay. Per the benefit terms, I searched for a XXXX prepaid stay in XXXX XXXX XXXX XXXX. The website interface specifically stated " Use the {$600.00} XXXX XXXX and experience exceptional stays through Amex  XXXX '' ( see attached screenshot ). 

I booked a hotel that appeared in these filtered results. However, Amex has since denied the credit, claiming the hotel was not part of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The grounds for my dispute are : Misleading Interface : By clicking the " Book Now '' button within the specific " XXXX XXXX XXXX benefit page, a consumer is led to believe all subsequent search results are eligible. 

XXXX XXXX : The portal failed to apply the necessary XXXX XXXX  '' filter automatically, or it allowed non-eligible hotels to populate within a benefit-specific search. I did not manually remove any filters. 

Good Faith Compliance : I met all other criteria ( booked via XXXX  used my XXXX card, stayed XXXX nights, and chose the " XXXX '' rate ). 

Amex 's refusal to honor the credit based on a failure of their own website 's filtering system is a deceptive practice. I request a manual adjustment of {$300.00} to reflect the promised benefit. 

Desired Resolution : A one-time statement credit of {$300.00} to fulfill the advertised hotel benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
Concora credit products. In my case, the XXXX  and XXXX  credit cards. Both accounts opened without issue. Both charge annual and monthly fees without issue. I can pay the balance for those fees without issue. But any purchase attempts keep being declined or marked as fraudulent. Even reputable vendors. I've been declined for a purchase at XXXX, and just yesterday ( XX/XX/year> ) for an XXXX purchase. I spoke with an agent, who said my transactions were being marked as potentially fraudulent. There are several reports of others having this same issue. They have taken my money, but have yet to approve a single transaction on either card since I opened them early XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: FL

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 ) XXXX, 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 XXXX  days : XXXX. The amount of the debt claimed. 
XXXX. The name of the original creditor. 
XXXX. A copy of the agreement, contract, or other instrument that created the debt. 
XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: CO

Complaint narrative:
I have received many phone calls. It shows as Harris & Harris. It always rings once and disconnected its an auto dialer or robocaller I have called back twice. Asked for them to stop communicating with me like that. Asked for debt validation. They told me they dont send out debt validation. And continue to call and hang up. I have asked for it to cease

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
I contacted XXXX directly and invoked the FTC XXXX XXXX requesting loan cancellation. XXXX responded by directing me to call their XXXX XXXX XXXX phone line and stated that the installer 's closure 'does not change your contract terms or create new service obligations. ' They have refused to address my cancellation request in writing. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 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: SC

Complaint narrative:
XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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