vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Credence Resource Management accordance to XXXX XXXX is attempting to collect {$480.00} that is the result of identity theft. This account was opened without my knowledge or authorization. I have filed an official FTC Identity Theft Report. This company is reporting this fraudulent account to all three major credit bureaus causing severe damage to my credit. I did not open authorize or benefit from this account in any way. This debt is not valid and stems entirely from identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX Debs pl XXXX XXXX XXXX NY XXXX XXXX XX/XX/XXXX XXXX ) XXXX ) To Whom It May Concern, I am writing to file a formal complaint against Midland Credit Management regarding their repeated failure to provide adequate validation of a debt they claim I owe. Despite multiple requests, they have only sent copies of account statements and not the required legal documentation proving they have the right to collect on this debt. I initially requested debt validation on [ XX/XX/XXXX and XX/XX/XXXX ], and since then, I have made additional requests on [ XX/XX/XXXX and XX/XX/XXXX ]. Each time, Midland Credit Management has failed to provide any evidence of the original creditor, a signed agreement, or any legal right to collect. This lack of proper validation is a violation of the Fair Debt Collection Practices Act. As a resolution, I request that you investigate this matter, ensure Midland Credit Management complies with the law, and that the debt be removed from my credit report if they can not substantiate their claim. Please confirm receipt of this complaint and inform me of the next steps. Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint regarding the closure of four Capital One credit card accounts. I recently made payments toward my accounts. Capital One informed me that the accounts were closed due to returned payments. However, I corrected the issue immediately by depositing funds and paying the accounts in full. 3out of the 4 accounts now show a {$0.00} balance. Despite paying the balances in full, my accounts were permanently closed. I contacted Capital One and was advised that I could apply for new accounts. I submitted a new application and was subsequently denied. I am requesting a review of the account closure decision and clarification as to why the accounts remain closed despite being paid in full. I would also like Capital One to explain why I was encouraged to reapply if the circumstances leading to the closures would automatically result in a denial. I am seeking a fair review of my situation and a written explanation of the decisions made regarding my accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding a deferred-interest financing account associated with a furniture purchase through XXXX XXXX XXXX XXXX Approximately four years ago, I purchased furniture totaling slightly over {$8100.00} under a XXXX no-interest promotional financing agreement. Throughout the entire promotional period, I consistently made all required monthly payments on time and frequently paid more than the minimum amount due. I was never late or delinquent on the account. The minimum payment amount changed frequently throughout the financing period and generally decreased over time. Based on my consistent payment history and the information displayed through the online payment portal, I reasonably believed I was responsibly maintaining the account. Recently, after the promotional period expired, I discovered that retroactive deferred interest charges had been added to my account, increasing the balance owed to over {$10000.00}, despite the fact that only approximately {$1100.00} ( I have already pay ), remained unpaid from the original purchase balance. I believe these retroactive interest charges are excessive, unfair, and disproportionate considering : * My perfect payment history. * The relatively small remaining balance. * My ongoing medical issues during this period, which affected my ability to monitor the exact expiration date of the promotion. Had I been adequately warned or fully understood that thousands of dollars in retroactive interest would be added, I would have immediately paid off the remaining balance before the expiration date. I attempted to contact the financing institution ( Comenity Capital Bank ) to request assistance and a review of the charges, but I have not received a satisfactory resolution. I respectfully request : 1. A formal investigation into these retroactive interest charges. 2. Consideration for removal or substantial reduction of the deferred interest charges based on my long history of responsible payments and good-faith efforts to pay the account. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
I financed a furniture purchase through XXXX XXXX XXXX Synchrony XXXX in XX/XX/XXXX under a promotional Equal Payment No Interest offer totaling approximately {$10000.00}. I never knowingly enrolled in Synchrony 's Payment Security Debt Cancellation program. The product was never explained to me during the store application process, and I was not informed that recurring monthly charges would be added to my account. The salesperson assisted with the application process and controlled portions of the enrollment process on the store computer. After making regular monthly payments for three years, I paid the promotional furniture balance in full on XX/XX/XXXX. Synchrony 's records show the promotional balance has been completely paid off with no remaining promotional balance. Only then did I discover an additional balance of approximately {$3500.00} attributable to Payment Security charges and related interest. I disputed the charges with Synchrony. Synchrony denied my claim and stated only that I enrolled online on XX/XX/XXXX. Synchrony has not provided any evidence showing informed consent, including enrollment screens, audit logs, click records, IP records, electronic signatures, or any proof demonstrating that I knowingly authorized the product. I believe this matter involves unauthorized enrollment in an add-on financial product and the assessment of charges that I never knowingly agreed to purchase.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PatientFi, Inc.
State: NC

Complaint narrative:
I recieved an attempt to collect debt from debt collector and I had paid my debt a settler to settle debt. The debt is XXXX with patient fi and I paid towards it and there will be none over pay about it since my settlement is to settle that. Evidence is shown, the dispute shall now be between my settler and debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: VA

Complaint narrative:
I purchased a few things from XXXX XXXX XXXX and didn't use or needed them and they were returned and my account said cancelled and then cash app wrote me XXXX different things as excuses butXX/XX/XXXXverified XXXX times but XXXX different ones it's been paid to return but cash app is still holding funds and giving excuses

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have asked for proof of ownership, chain of title. I have recieved nothing that I asked for

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am receiving repeated offers from citi. I have attempted to call numerous times to stop their offers, but theres no way to get a life person because I do not have an account. Im already on a do not call list and I signed up to not receive offers multiple times but they continue to send offers. What can I do if they will not stop this and somebody takes one of the offers and signs up for an account in my name? If they are going to continue sending offers, then they can be responsible when a criminal sets up an account in my name with one of the offers theyve sent without my permission. Please tell citi to put me on a do not mail list for life. I never want to see another piece of mail from citi again and will never do business with them after all the unwanted mail. Please advise if I need to take legal action to stop them from harassing me!

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 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/XXXX I processed the payment for my rent to be paid. My lawyer also filed my bankruptcy the same day. I was notified at XXXX XX/XX/XXXX by Chime through email my deposit account was closed for filing for bankruptcy and I will not be getting my money back from the account. I called chime on XX/XX/XXXX and asked if they could at least tell me if the rent payment went through and they said it did not. I said I will be homeless if that doesnt get paid and they said they didnt care and the funds are frozen. I have my rent money but chime froze it because the checking account I get my paycheck deposited to is connected to a credit builder card. They said since its a credit card they closed that account and took the money. But I deposit my paycheck into a checking account, not a credit account. I only have XXXX account number, not XXXX, so I dont understand how my checking account is a credit account. I need them to unfreeze the account so my rent can be paid. I thought I had protections when I file for bankruptcy. To be clear chime has stolen {$1200.00} from my checking account and technically from XXXX XXXX Apartments because I already processed the transaction before they closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Cannot graduate, receive diploma, or get transcript due to money owed
Company: TFC Credit Corporation of California
State: MO

Complaint narrative:
In relation to XXXX, I submit additional evidence of the financial agreements that are to be honored but are not. Also, the school does not want to issue transcripts which the state of Ohio does not allow.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My complaint is regarding my XXXX Bank of America credit card accounts and would appreciate your help in reviewing and updating them following the recent discontinuation of the XXXX XXXX program. Heres what Im requesting : XXXX. Please reverse the annual fee that was recently billed on my XXXX XXXX credit card ending in XXXX, as the cards associated benefits are no longer available. XXXX. Please transfer the full credit limit from the XXXX card ( ending in XXXX ) to my active Bank of America XXXX XXXX XXXX card ending in XXXX. XXXX. Please adjust my APR to the lower of the XXXX APRs currently assigned to these accounts. XXXX. If possible, please transfer or convert any remaining XXXX miles ( appx XXXX miles ) from the discontinued card into rewards on my XXXX XXXX XXXX card. XXXX. Finally, if the above is met and now that the balance has been paid in full, please close the XXXX card ending in XXXX. Bank of America provided a copy and paste from FAQs and failed to address my specific issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
Rocket Mortgage is erroneously trying to increase our mortgage payment from {$2400.00} to {$2400.00} claiming that we have not paid our escrow when we have NO escrow account with them. We pay our own taxes and insurance. We believe once again that their system is glitching causing them to try and charge us {$200.00} extra. Last month, they had a glitch where they charged us several times, the same amount, our mortgage payment. The bank forced them to refund our money. For some reason, this also included the extra {$200.00} we pay each month toward principal. Because that was also refunded, their system seems to think that we owe that in escrow, which is incorrect. They CAN NOT make us pay extra each month, we choose to. They have NEVER made a payment on our taxes or insurance during the time that we have been their customer, not once. Please see attached proof of our claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: OK

Complaint narrative:
On XX/XX/XXXX, I vacated the premises and paid my final pro-rated balance in full. Despite this, nearly a year later I was contacted by National Credit Systems XXXX Inc. ( NCS ) regarding a {$1200.00} debt I had no prior knowledge of. The underlying debt is legally unenforceable. Under Oklahoma XXXX XXXX XXXX, landlords are required to deliver a written, itemized statement of deductions to all co-tenants via certified mail with return receipt requested within 45 days of tenancy termination. XXXX XXXX failed to comply on XXXX counts : the required delivery method was never used for any party, and notification was directed exclusively to XXXX co-tenant via email while I, as an equal party to the lease, received no communication of any kind no certified mail, no personal delivery, no phone call, and no written notice directed to me personally. The landlord admitted this directly, both verbally during a phone call and later in writing. This admission was included in my dispute documentation. Additionally, financial documentation was CC 'd to a non-tenant third party without authorization, constituting a privacy violation. On XX/XX/XXXX, I exercised my rights under XXXX XXXX. XXXX and submitted a formal certified mail dispute to NCS with full supporting documentation, including the landlord 's written admission, proof of final payment, and evidence that the original creditor violated XXXX XXXX XXXX. The debt validation sent to me by NCS consisted solely of a lease and a move-out statement addressed to my former roommate 's previous address neither of which was addressed to me personally nor constitutes valid debt validation. NCS responded on XX/XX/XXXX with a form letter that failed to address the statutory defense entirely and directed me to upload documents to their website portal despite already receiving my certified mail dispute package. This does not constitute a valid FDCPA dispute investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
This is the 2nd complaint regarding the same issue. I filed a dispute for a fraudulent charge on my card in the amount of {$110.00}. I was told 90 days to investigate and get my money back. Fine. Was also told if i didnt pay it off in full while waiting for the investigation, they would ( illegally ) continue to charge me intrest on a fraudulent charge where no merchandise was received. It was a scam. I received no merchandise. I advised Indigo Mastercard that this practice is illegal, and that I would be paying the card balance off in full, minus the {$110.00} disputed transaction, closing it, and then would be filing a complaint with XXXX XXXX, and turning it over to a lawyer to investigate. In retaliation, they locked my account and marked it as " Attorney Involved ''. They refused to allow me access to my current, good standing, open account, because I said I was filing complaints for them breaking numerous laws. I have 2 audio recordings and correlating video recordings of 2 " Managers '' breaking multiple FDCPA and banking laws in the state of NJ. After I told her I was audio AND video recording ( so they both can be used as evidence ) she finally agreed to reopen my account so I could pay it off. I paid off the entire balance, minus {$110.00} which is the transaction from XXXX, that's in dispute for fraud. This company has violated my rights as a current cardholder, who never missed a payment. All I wanted was to dispute a charge and they turned it into me having to close my account to protect my credit and banking information from a predatory lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: PA

Complaint narrative:
I am disputing the alleged debt referenced in your correspondence. To date, I have not received sufficient documentation establishing that I am legally obligated for this debt. Please provide documentation supporting your claim, including : A copy of the original agreement or contract bearing my signature or other evidence that I entered into the agreement. Documentation showing the amount claimed is accurate and how it was calculated. Documentation demonstrating your authority to collect this debt, including any assignment or transfer of the account, if applicable. Until you provide adequate verification of this debt, I request that collection efforts cease and that the account be marked as disputed. This letter is not an acknowledgment of liability, nor is it a promise to pay. I reserve all rights and defenses available to me. 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 2026-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Getting harassed by target the debt is over XXXX XXXX XXXX and was removed XX/XX/XXXXtimes off my credit report and if I owe them money i would not have a credit card from target again I am about to contact the local news and file a lawsuit against them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: OH

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Inaccurate Charge-Off Reporting and Failure to Verify Information I am filing this complaint against XXXX XXXX and TrueAccord ( XXXX XXXX XXXX XXXX regarding an inaccurate charge-off being reported on my credit report. The account in question is being reported as a charge-off ; however, neither the creditor nor the credit reporting agencies have provided sufficient verified information to support the accuracy of this reporting. None of my recent addresses were on file nor any of my contact information. On XX/XX/XXXX, I disputed this account to TrueAccord and requested verification of the information being reported. Despite my requests, on XX/XX/XXXX, I have not received any resolution for the account in question, documentation proving that the account belongs to me, or received that the balance being reported is accurate. The amount being reported is {$1800.00}, but in response of my dispute, the amount reported is {$1800.00} making the report not 100 % accurate with no verified information. This is not my first attempt to try to get information on the debt. Backdated to thw first week of XXXX, I attempted to suppress the information, but instead was set up for a payment plan instead. Under the Fair Credit Reporting Act ( FCRA ), all information reported on a consumer credit report must be accurate and verifiable. Reporting an account without proper verification may constitute inaccurate credit reporting and causes harm to my credit profile and financial opportunities. I respectfully request that the company : 1. Remove the charge-off account in question from my credit report due to inaccurate and insufficient reporting under the Fair Credit Reporting Act ( FCRA ) in XXXX days. I am requesting that the CFPB assist in ensuring compliance with federal consumer protection laws and help resolve this matter promptly. Thank you for your attention to this complaint. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RFNA, LP
State: MO

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXXXXXX XXXX regarding an active wage garnishment and an unlawful interest rate being charged on a judgment debt originally owed to XXXX XXXX XXXX. On or around XX/XX/year>, I received written communication from XXXX XXXX XXXX XXXX XXXX claiming I owe {$7300.00} in principal plus {$530.00} in additional charges reflecting an interest rate of approximately 34 %. This interest rate far exceeds Missouris legal cap of 9 % per year on civil judgments and violates Section 808 of the Fair Debt Collection Practices Act, which prohibits collecting any amount not authorized by the original agreement or permitted by law. I have written documentation dated XX/XX/year> from XXXX XXXX XXXX XXXXXXXX XXXX clearly showing the unauthorized interest amount being collected.

Company response to consumer: Closed with explanation