vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Complaint Against : Credence Resource Management , LLC Original Creditor : AT & T Mobility Credence Reference # : XXXX Consumer : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, TX Complaint Summary : I am filing a complaint regarding an alleged debt of {$570.00} being collected by Credence Resource Management on behalf of XXXX XXXX XXXX XXXX. I dispute this debt and the amount being claimed. I canceled the service within approximately 10 days and returned all equipment within the applicable return period. The amount being claimed does not align with the original agreement or expected prorated charges. Issue Details : I have requested validation of this debt multiple times. The collection agency has failed to provide proper documentation. They only provided a summary bill showing a balance but did NOT provide : A complete itemized billing statement A breakdown of charges Prorated service calculations Proof of equipment non-return Documentation showing how the total amount was calculated Without this information, the debt can not be verified as accurate. Additionally, the collection agency previously sent me unrelated third-party documents, which raises serious concerns about the accuracy of their records and handling of consumer information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
Problem occurred XX/XX/XXXX when I went on my online banking and noticed that my savings account had been restricted, I contacted the bank over the phone and was told that my account was closed due to a unauthorized transaction and that my funds in the account would be recalled

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Self Financial Inc.
State: IN

Complaint narrative:
" I am filing this complaint because Self Financial/Lead XXXX is reporting inconsistent and unvalidated financial data on my credit report. The report currently shows a balance of {$150.00} while simultaneously stating the account was 'written off. " I have disputed the validity of this debt, yet the creditor has failed to provide a signed contract or a complete payment history to justify the amount being reported. Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to report only 100 % accurate information. Because the balance and the account status are contradictory, and no validation has been provided to support the {$150.00} claim, I am requesting that this inaccurate entry be completely deleted from my credit file. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I had an outstanding credit card balance with XXXX XXXX through Wells Fargo. On XX/XX/year>, my new credit card issuer, XXXX XXXX, initiated a balance transfer in the amount of {$2500.00} to Wells Fargo to pay off that balance. Before I was aware that the balance transfer had already posted to my Wells Fargo account, I made an additional payment of {$2500.00} directly to Wells Fargo on XX/XX/year>. After identifying the overpayment, I contacted Wells Fargo and requested a refund of the credit balance, as required under the Credit CARD Act, which mandates that a credit balance refund be issued within 7 business days of a consumers request. Wells Fargo has refused to issue the refund and instead directed me to contact XXXX. This response is not valid. The credit balance is held by Wells Fargo, and my legal right to a refund is with Wells Fargo regardless of the source of the overpayment. Wells Fargo continues to retain the {$2500.00} credit balance and has not provided a lawful justification for refusing the refund. Separately, I contacted XXXX numerous times regarding this issue. Despite being provided with documentation showing that the balance was already paid to Wells Fargo, XXXX has also refused to resolve the matter and continues to treat the {$2500.00} as outstanding on my XXXX account. As a result of this failure, XXXX assessed a {$30.00} late payment fee and charged interest on an amount that has already been paid. I am now being asked to pay the same {$2500.00} debt twiceonce to Wells Fargo and again to XXXXwhich is improper and financially harmful. I have attached : The final Wells Fargo statement showing the {$2500.00} credit balance The XXXX statement reflecting the same {$2500.00} as due My email correspondence with XXXX documenting repeated attempts to resolve this issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: GA

Complaint narrative:
I am filing a complaint against LVNV Funding LLC regarding inaccurate and unverified credit reporting of an alleged debt in the amount of {$410.00}, originally associated with XXXX XXXX ( XXXX XXXX credit card ). This account, reported as opened on or about XX/XX/XXXX, is being reported as a collection account. However, I have not been provided any documentation validating this debt. Specifically, I have not received : A copy of any signed agreement or contract associated with the account A complete account history or payment record An itemized breakdown explaining how the balance of {$410.00} was calculated Documentation demonstrating LVNV Funding LLCs legal authority to collect this debt Additionally, the account reflects a date last active of XX/XX/XXXX, which raises concerns about the accuracy and integrity of the reported information. Although the account is marked as meeting FCRA requirements, I previously disputed this account and requested validation, but no sufficient documentation has been provided. Despite this, the account continues to be reported. Under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ), information furnished must be accurate and must be reasonably investigated after a dispute. The lack of documentation and continued reporting raises concerns that these requirements have not been met. Due to these issues, I am requesting a full investigation and removal of this account from all credit reporting agencies if it can not be properly validated and reported accurately in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: NV

Complaint narrative:
I originally filed a complaint regarding XXXX XXXX fraudulent transactions that had been denied, U.S. Bank was the account attached to my XXXX XXXX when these transactions occurred. On XX/XX/XXXX, my XXXX XXXX account was compromised and transactions were made from a XXXX XXXX XXXX in XXXX XXXX XXXXXXXX. I reside in XXXX and I have an XXXX, the transactions were made to someone that Ive never encountered or interacted with in XXXX XXXX previously. There were four transactions that were attempted within under two minutes, two of those were blocked and two were allowed to go through. The person that somehow accessed my account sent themselves a total of {$800.00} that person has continuously changed their XXXX XXXX handle as well as picture and XXXX XXXX name since that time. I reported this immediately upon realizing the situation and filed a fraud complaint with XXXX XXXX, and with U.S. Bank. I am now finally to complaint against U.S. Bank as they have refused to address this situation appropriately. In my opinion that were initially helpful. I have gotten nothing but conflicting information each time I call the helpline. Ultimately the situation has not been resolved.US Bank originally gave me a provisional credit to cover those fraudulent transactions from XXXX XXXX pending investigation. I was notified that the dispute was denied, which doesnt make any sense whatsoever as there are multiple documents that indicate this was a fraudulent transaction. U.S. Bank did not ask for any additional information though I offered to provide it they said they had everything they needed. They reopened my account and then denied it again twice I was told that the claim adjuster would call me and speak with me personally and that never occurred. They have reversed the provisional credit and now my account is almost {$800.00} overdrawn. I have no way to rectify that I do not have the funds in anyway to put my account current again nor do I feel like I should even be responsible for that as these charges were obviously fraudulent charges I would like to be able to provide additional information so they can make an informed decision at the very least. I was a victim of theft and I continue to be a victim because every corporation involved in this situation is refusing to even address it for what it is. This is very frustrating and I dont have the means to even try to correct the negative bank account at this point I dont understand why this is such an issue. Everyone that is looked at the documents acknowledges that it is obviously fraud. I feel like this is not a priority because in the grand scheme of things {$800.00} doesnt seem like much, but its a lot to me, especially on top of that this is part of a crime.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained tiefficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: NY

Complaint narrative:
On XX/XX/year>, I sent a Debt Validation Letter to Jefferson Capital Systems LLC via XXXX Certified Mail. They received and signed for the letter on XX/XX/year> at XXXX XXXX, confirmed by tracking number XXXX. Under the FDCPA they had 30 days to validate the debt. Their deadline was XX/XX/year>. They failed to respond with any validation whatsoever. Additionally, while my debt validation request was pending, Jefferson Capital hired XXXX XXXX to contact me. XXXX XXXX sent me illegal text messages on XX/XX/year> and XX/XX/year> from short code XXXX. Under the FDCPA all collection activity must cease while a debt validation is pending. These text messages are documented with screenshots. I have since sent a Deadline Missed Demand Letter on XX/XX/year> demanding immediate deletion of this account from all three credit bureaus. Jefferson Capital has failed to validate this debt and must immediately delete this account from XXXX XXXX XXXX XXXX. I am requesting the CFPB investigate these multiple FDCPA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express has XXXX account numbers associated with my Delta SkyMiles Gold Card account ending XXXX and account ending XXXX. Account XXXX was replaced by account XXXX on XX/XX/XXXX. Both accounts reflect the same underlying debt of XXXX. American Express assigned this account to XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX without notifying me. XXXX recalled the account XX/XX/XXXX and it was then assigned to XXXX XXXX XXXX who sent a collection notice dated XX/XX/XXXX. I mailed a formal debt validation letter to XXXX XXXX via certified mail with return receipt on XX/XX/XXXX demanding complete validation before any collection activity proceeds. American Express continues charging fees and interest of approximately XXXX dollars per month on this account despite it being in default and assigned to collectors. A returned check of XXXX on XX/XX/XXXX was charged back to the account improperly inflating the balance. I dispute the accuracy of the current balance and demand American Express provide complete account history showing how the balance reached XXXX and cease assigning this account to multiple debt collectors simultaneously.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: U.S. BANCORP
State: MN

Complaint narrative:
This is the letter I sent to US Bank on XX/XX/XXXX : I am writing to formally demand the return of XXXX miles that were redeemed through U.S. Bank XXXX XXXX for a car rental with XXXX in XX/XX/XXXX. Reservation number XXXX. The vehicle was to be picked up at XXXX XXXX XXXX XXXX ; however, upon arrival I was informed that no cars were available. The reservation was never fulfilled. We were forced to rent a car through another company for an exorbitant amount. Despite contacting U.S. Bank XXXX XXXX customer service XXXX times and spent hours on the phone over the past several months, my miles have still not been returned. I have repeatedly been told that the resolution is dependent on the vendor reimbursing the XXXX XXXX. That is not an acceptable explanation this is a matter between me and U.S. Bank, and I expect U.S. Bank to make it right regardless of the status of its vendor relationship. I am formally requesting the following : Immediate return of my XXXX miles A written confirmation once the miles have been restored An explanation of why this has taken months to resolve We have been customers of US Bank for over XXXX years. Our mortgage, checking, savings, and Home Equity line of credit is with your bank. We hope that you treat your customers better than this. I will be filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Office of the Comptroller of the Currency ( OCC ) since I have not been successful in getting any response from the 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 non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Assistance Inc
State: TX

Complaint narrative:
I am disputing a collection account being reported on my credit file that is allegedly related to a deficiency balance following a repossession. This account is being reported despite significant inconsistencies and prior disputes. The original tradeline associated with this account previously reflected a grossly inaccurate balance exceeding {>= $1,000,000}, despite the original loan amount being approximately {$28000.00}. This raises serious concerns regarding the accuracy and integrity of the information being furnished and verified. I am requesting full validation of this debt, including : * Documentation of the original agreement creating the alleged obligation * Proof that proper pre- and post-repossession notices were provided to my correct address * Documentation of the sale of the vehicle, including date, method, and sale amount * A complete and itemized calculation of the alleged deficiency balance * Documentation showing the legal authority of the collection agency to collect and report this account Additionally, this account has been reported and/or verified despite disputes, which indicates that a reasonable investigation may not have been conducted as required under the Fair Credit Reporting Act. Prior responses have failed to explain how materially inaccurate information was furnished or allowed to appear on my credit report. Given the prior reporting inaccuracies and lack of sufficient documentation, I am requesting that this account be fully validated or removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am requesting assistance regarding Chases handling of my request for a sustainable hardship repayment plan on a credit card account with an approximate balance of {$24000.00}. I contacted Chase proactively before becoming delinquent because I am experiencing financial strain and wanted to responsibly address the account through a structured repayment solution rather than fall behind. During my discussions, I was informed that I may qualify for a repayment plan at approximately 12 % APR, but that a more affordable 6 % APR option would require an exception request through another team. This raises concern because Chase appears to acknowledge that lower-rate options may exist, yet the standard option presented may not be reasonably sustainable based on my current obligations. I specifically explained that my goal is to make consistent payments and successfully complete a plan, not avoid repayment. I attempted to resolve this directly through customer service and requested internal review prior to filing this complaint. I am respectfully requesting : A meaningful manual review of all available hardship repayment options, including lower-rate plans Clear explanation of the criteria used to determine why one option is available while another requires exception handling Consideration of a repayment structure that maximizes the likelihood of successful completion and avoids unnecessary default risk Written confirmation of available options and terms I value resolving this matter directly and remain willing to repay the debt under sustainable terms. My request is for fair consideration and transparent review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
XX/XX/XXXX first contact moving forward to XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have requested manager calls and to escalation due to the destruction being caused. Nothing as of yet. Thank you in advance. attached are XXXX payments made in XXXX and only XXXX payments were applied instead of all XXXX with ACH trace number. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: FL

Complaint narrative:
Credit Karma, decided to freeze my account for absolutely no valid reason on a Monday morning at XXXX. I called to check what was going on and to unlock my account. I was told that it was required that i send a picture of my id. My phone camera is broken so that is impossible. The guy refused to re open my account and hung up on me. I then called again, after 20mn i talked with a supervisor. Who started to try to lecture me on how to talk to people after i have been dealing with their stupid robots for almost an hour and then hung up on me because i refused to be transfered to the previous department who also hung up on me because i couldn't send a picture of my id. They refuse to offer an alternate form of verification or to close my account and refund my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
I am submitting this complaint regarding my FHA mortgage servicer, Rocket Mortgage, for preventing me from resolving my delinquency despite my willingness and ability to make payments. I have been informed by the servicer that I must make at least six payments ( approximately {$15000.00} total ) to meet their requirements. However, I have also been told that they will not accept individual or partial monthly payments unless I can pay the full lump sum amount. This creates an impossible condition : * I am willing and able to make my regular monthly payment of approximately {$4600.00} * The servicer is refusing to accept those payments * I am being required to meet a payment threshold that can not be satisfied because payments are not being accepted Additionally : * I have been told I can not be placed into forbearance because I am currently in a repayment plan * I have been told I can not exit the repayment plan without becoming more delinquent * I have been advised that additional options may not be available until 12 months after loan origination As a result, I am effectively blocked from : * Making payments * Completing the repayment plan * Accessing other FHA loss mitigation options I am requesting : 1. Immediate acceptance of reasonable monthly payments 2. Review and cancellation or revision of the current repayment plan due to infeasibility XXXX. A full evaluation under FHA loss mitigation guidelines, including all available options 4. Written explanation of the requirement to make XXXX payments and the basis for refusing to accept payments The servicers actions are preventing me from resolving my delinquency despite my good faith effort to pay.

Company response to consumer: Closed with explanation