vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Self Financial Inc.
State: CA

Complaint narrative:
" Self '' is a Credit Builder financial product. I keep getting threatened that my credit is going to be affected, I'm told I didn't pay when I did, I get bills to multiple emails, told my credits going to beruined. I've asked for a supervisor, I'm told no one is available. I've asked to have duplicate accounts deleted, I'm told that isnt possible. So I have 3 or more accounts under my same social, asking for duplicate payments constantly. When I call in to try and fix the problem, the rep speaks in circles, doesnt fix anything, goes back on what she says and I'm still being asked to pay when I already did. Self wants me to pay for the same product from 3 different established accounts when I should only have one account and one bill from that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
I incurred $ XXXX medical claims with XXXX XXXX XXXX They are collecting and contacting me about it on their website. In addition a collection agency called BC Services is contacting me about the same debt. I have asked them to not contact me but they continue to do so. Finally a third party call XXXX is trying to collect the same amount through text. I did not authorize any of these creditors to contact me via text. I believe more than one party can not try to collect on the same debt. And they are in violation of the FDCPA because I asked them to stop contacting me and they haven't. Finally when I asked for itemized bills it was well over thirty days before they sent them.

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 2026-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AR

Complaint narrative:
On or about XX/XX/year>, Columbia Debt Recovery LLC began reporting a rental-related debt originally associated with XXXX XXXX XXXX in the amount of {$300.00}. The balance currently reported includes additional interest ( approximately 6 % per annum ), increasing the reported total to approximately {$300.00}. The underlying transaction was reversed through XXXX XXXX XXXX following a formal card-network dispute process due to failure to render services. Notwithstanding the chargeback, the agency is reporting the balance as due without providing contractual documentation demonstrating that the fee remained legally owed after reversal. I requested written documentation establishing ( 1 ) the contractual basis for the underlying obligation, ( 2 ) authorization for post-application interest, and ( 3 ) reconciliation of internal ledger entries reflecting reversals and write-offs with the amount currently reported. The documentation provided did not clearly reconcile the reported balance, and no signed agreement authorizing the additional interest has been produced. The account remains disputed. Reporting a balance that includes unsupported interest and lacks clear contractual substantiation raises concerns regarding accuracy and completeness under the Fair Credit Reporting Act. I am requesting that the company either provide clear contractual and legal documentation supporting the balance and interest being reported, or delete the tradeline from all credit reporting agencies for all consumers associated with this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Validation of Debt Request - PROCOLLECT INCXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) 1006.34, 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 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

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 2026-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV FUNDING LLC has been sending me collection notice in the amount of {$250.00} the collection has been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: OR

Complaint narrative:
Chime bank took XXXX dollars out of my paycheck and refuses to give it back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: NC

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 ) 1006.34, 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 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contr act, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I used Capital One Offers to purchase a cooler from the merchant XXXX on XX/XX/2025. I clicked through on an offer to award XXXX Capital One XXXX to my account after purchasing {$170.00} worth of merchandise at XXXX ( See attachment-Shipped to our address under my husband 's name ). I went through and purchased the cooler from XXXX, and the offer went pending on my account. I waited the requested 90 days from purchase as posted on my account for the miles to post. I have waited well over 90 days, and the offer now says " inactive ''. Please see the attached documents for documentation including the complete receipt from XXXX ( {$190.00} before tax ), the Capital One Trip Number ( XXXX ), and activated offer reference ID number ( XXXX ) from Capital One. I tried to find a way on Capital One 's website to contact them via email to submit the purchase documents, but I could not find that option available. Please deposit the earned XXXX miles into my account as promised and not yet delivered. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: PA

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 ) 1006.34, 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 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contr act, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NH

Complaint narrative:
I would like to reopen my complaint with Mohela as they continue to refuse to fix the situation. They sent me to default even though I have had no way of paying them. They changed their site, and no matter how many times I have tried in the past to reach them, they are virtually impossible to find. They have said they sent me emails, called me, and sent me mail... they have not. I have been checking my email and have gotten nothing from them. I have called them, no one from Mohela has ever called me, and they have not sent me any mail. It took the point that I have reached out to them multiple times on their own site, and they have told me they replied ; however, they are not even able to notice that they did not send me anything on their own site... From my research, I found that under the FCRA ( 15 U.S.C. 1681s-2 ), Mohela must investigate disputes properly and correct and or delete any information that is Inaccurate, Incomplete, or misleading. From our conversations, I have already proven that the phone calls and emails Mohela alleges are inaccurate. Mohela continues to share incomplete information because I have not received anything new past the restated information, add to that, that in the Mohela site which I was finally able to signin, they are not able to notice that they Sent me a message and keep telling me to review what they sent me in the Documents We sent to you tab and there is nothing there from this year. The last message there is from XX/XX/2025 ... this is their site ... Lastly, not only was the website sending me to the incorrect cite which is literally misleading. But Mohela has an open class action suit for LITERALLY misleading other borrowers. For these reasons, I ask that the CFPB please reopen this case, but also that Mohela please : * Fix your communication failures. * Correct and remove the negative reporting * Bring me back to current in my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please inspect the materials shared ; the inquiries arrived unexpectedly and may not have approval.

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 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received a statement recently for a XXXX XXXX credit card that dated between XXXX. In it the full statement balance showed as {$15000.00} with a payment due date of XX/XX/XXXX. I made a total of {$11000.00} in payments by the due date below : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My thought is although I did not make the full payment, I still made an effort to pay as much as possible to avoid paying interest on a large amount. in my mind, I would be charged interest on the remaining balance unpaid of {$3400.00} ( {$15000.00} balance minus the payments totaling {$11000.00} completed before or on the due date. Instead my new statement arrived and it shows I was charged interest on {$11000.00} for a total of {$220.00} as listed below. Purchases 24.49 % ( v ) ( d ) {$11000.00} {$220.00} When I called to inquire, I was told because I did not pay the full amount of {$15000.00}, I was charged interest on the {$11000.00}. In my mind, this does not make sense. They said that if I had paid the full amount, I would've avoided interest all together. So because I missed the full amount by {$3400.00}, I am charged interest on the higher amount of {$11000.00} and not the remaining balance unpaid of {$3400.00}? This practice feels very unfair to us and who knows how many more that have had this happen to them. I could've used that to pay off other cards in full but because this one charges me the highest interest, I thought it best to pay down as much but only to find out I paid interest on a way higher amount. This feels like it falls under UDAP violations that is costing many Americans lots of money and the bank pocketing ridiculous amounts from honest people trying their best. I would like someone to look into this practice from Chase bank that feels deceptive and abusive and unfair. I hope whomever sees this and sees how an everyday person with common sense would agree with my stance and position. And I hope that someone can make this right and fix it because we know banks have paid fines because of shady things like this. I may have to close all my accounts with them and they will never see a penny from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Validation of Debt Request - CAINE & WEINERXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) 1006.34, 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 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Having a very hard time obtaining loan balance details through the mortgage department from U.S. Bank, despite having provided all documents requested. I am the daughter of XXXX XXXX, he passed in XXXX of XXXX. I am listed as the only successor trustee and sole beneficiary of the XXXX XXXX XXXX XXXX, sent an updated certificate of trust, provided copies of all documents. In addition to their refusal to provide me any account details such as current loan balance, delays in handling/processing, responding to e-mails containing inquiries or concerns take too long, should be dealt with in a timely manner. These factors are preventing clarity regarding future financial decisions about the property and it has been a very unpleasant and stressful experience, I am grieving a lot of loss and trying to heal from deep trauma and unable to move forward with life due to ongoing complications created by the inefficient and impersonal way this is being handled.

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 2026-03-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am a XXXX XXXX shipping on XX/XX/year>. I have faxed my XXXX XXXX orders to TD Bank ( XXXX XXXX XXXX ) and XXXX multiple times to invoke my SCRA rights. I have spent 3 hours on the phone being transferred. I need an immediate interest rate cap to 6 % and an administrative deferment so my security clearance is not impacted while I am in XXXX XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: IL

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 ) 1006.34, 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 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bilt Technologies, Inc.
State: CA

Complaint narrative:
I am filing this complaint against Bilt Rewards regarding their newly launched Bilt 2.0 mortgage payment feature. This issue has caused direct financial harm and remains unresolved after 5 days. WHAT HAPPENED : I connected my mortgage loan provider to Bilt 's platform and made my first mortgage payment through their service. Bilt debited the full payment amount from my bank account. Two days later, the Bilt app showed that my payment had " failed. '' Despite the payment failure notification, Bilt has not returned the funds to my account. As of the date of this complaint, they are still holding my money now on Day 5 without explanation or resolution. As a result of Bilt 's failure to process or return these funds : My mortgage payment is now late I am accruing late fees from my mortgage servicer I am at risk of a negative mark on my credit report ATTEMPTS TO RESOLVE : I have made repeated attempts to contact Bilt customer support. Every contact attempt routes me to an AI chatbot that is unable to resolve the issue and only instructs me to email Bilt directly. I have sent multiple emails and have received no response. WIDER PATTERN OF HARM : I have identified hundreds of other Bilt customers reporting the identical issue across public forums and review platforms. This appears to be a systemic failure with the Bilt 2.0 mortgage payment product launch, not an isolated incident. Bilt 's failure to proactively communicate with affected customers or provide timely refunds suggests a pattern of unfair and deceptive practices under UDAAP. RESOLUTION REQUESTED : 1. Immediate return of my funds 2. Reimbursement of any late fees charged by my mortgage servicer as a result of this failure 3. A formal investigation into Bilt 's mortgage payment processing practices and their customer service accessibility 4. Confirmation that no negative credit reporting will result from this incident I am happy to provide dated loan statements, screenshots of the app 's payment failure notice, and copies of my unanswered emails upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
It's TD Bank and you help me with this company last year and they refunded me XXXX XXXX but then they turned around and tried to charge me a XXXX XXXX for each transaction again this year for insufficient funds when I know I had the money in my account they lied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

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 ) 1006.34, 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 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: MD

Complaint narrative:
Hello I've had a Cash App account for quite sometime. Cash App Inc reported to the IRS that {$19000.00} was made in XXXX through their platform. The IRS is requesting I report that information in my 2022 tax return. I never received a 1099-K Form from cash app that year to report. Moving forward I am trying to do an amended tax return for that year reporting the wages but Cash App won't provide me with the 1099-k form from the year XXXX. The document isn't in my Cash App account but if I search my transaction from XXXX they exist in my account. I need this information so I can fix my taxes and they keep giving me the run around for it. Please help

Company response to consumer: Closed with explanation