vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX ( XXXX ) for violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ) and 1681i, arising from XXXX XXXX continued furnishing of inaccurate, unverified, and disputed information to Experian and XXXX following my formal dispute. I formally disputed this account with Experian and XXXX under FCRA 611. Despite this dispute, XXXX continued to update and re-report this account as recently as XX/XX/year>, while the Experian tradeline simultaneously reflects the comment : " Account information disputed by consumer under the Fair Credit Reporting Act. '' The XXXX tradeline reflects : " Consumer Disputes- Reinvestigation in Progress '' and " Collection Account. ''

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 2026-06-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: KS

Complaint narrative:
I am writing to formally dispute the validity of the debt referenced above, which you claim I owe.Per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide documentation proving that you have the legal right to collect this debt. Jefferson Capital is trying to collect debt from a XXXX bill from XXXX for {$1900.00} and it is preventing me from school loans. They have dates wrong as this original debt is from XXXX. I have asked multiple times to provide the original contract and amount because it was sold to someone before them and it was a different amount. dates and amounts and name of original creditor is incorrect on my credit report. I am requesting : Proof of the agreement between the original creditor and myself.An itemized statement of the account showing how the total amount was calculated.Proof that Jefferson Capital Systems owns or has been assigned this debt, including the original contract. Please be advised that I am disputing this debt. Therefore, per 15 U.S.C. 1692g, you must cease all collection effortsincluding reporting to the credit bureausuntil you provide this verification. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: IN

Complaint narrative:
I was completing a trip as I am an XXXX XXXX, and I received a notification that my account balance was low and that a txn could not go through on my card. I found that odd as I wasnt making any purchases due to me driving and also never using that merchant before. I called right away to file the dispute, let the bank know I had fraud on my account and that I never received my debit card in the mail and that I couldnt get a new card issued as well. So since my card has been lost in the mail for over a year, someone would not only have access to the card but also my mailing/billing address since I never got the card and it was never activated by me. Ive only used XXXX XXXX the entire time between waiting for that card and this occurring on the account, so there was no way for me to make these txns on my account that resulted in {$120.00} total. I provided them my work statements to show I was even working during the time it happened and even on my bank statements, it will show I never purchased with this merchant before. I also used to be an employee with Chime Bank, in their disputes department, so I know they are not doing their job correctly and this will need to be filed as a lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I made several purchases from XXXX within the last month. I make my payments as soon as the amount is posted on my account as always without any issues ( since my last complaint ) ; however, the last purchase I made was for XXXX I had a credit for XXXX which I used as a result the amount owed was XXXX. Wayfair Citibank charged me XXXX and an additional amount is pending for XXXX I called XXXX, they informed me that should not be because the only charge I have is XXXX I called Wayfair Citibank, on XX/XX/year>, the woman I spoke with was unable to understand me ; as a result, became frustrated and rude so I hung up thinking the amount would drop off by the next day.but it did not. The pending amount of XXXX has been on my account since XX/XX/XXXX. I decided not to pay until the pending amount dropped off but it never did. I called again on XX/XX/year>. I spoke with a young whom informed me that she knew exactly what happen. She actually asked me before I told her if I used a credit for XXXX and it's the same amount of XXXX that became XXXX. I said yes and asked her how she knew. She stated she had been working there for 25 years, etc. She even placed me on hold and called Wayfair and they verified everything. She promised to take care of it. I asked to speak with her manager and informed her that she extremely pleasant and took care of an issue that no one else could handled. It was not handled. I called again on XX/XX/year> and spoke with a supevisor who didn't help. The pending amount is still there.

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 2026-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GB Collects, LLC
State: NY

Complaint narrative:
GB Collects , LLC previously collected on behalf of XXXX XXXX XXXX. In response to CFPB Complaint No. XXXX, GB Collects officially stated they " closed the account and returned it to our client on XX/XX/XXXX. '' Despite this, I received a new collection letter from GB Collects dated XX/XX/XXXX, this time under the name " XXXX ( XXXX ) '' with a new file number ( File No. XXXX ) and a different balance of {$880.00}. This is the same collection agency re-opening a previously closed and disputed account under a different name to circumvent the prior dispute process. This matter was previously reported to the FTC via CFPB Complaint No. XXXX and to the NY Attorney General 's Office ( File No. 25XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: WI

Complaint narrative:
I am filing a formal complaint against Cash App ( Block, Inc. ) for failing to honor their advertised terms of service regarding ATM fee reimbursements.Per Cash App 's official policy, users who receive qualifying direct deposits of {$300.00} or more in a month are entitled to reimbursement of ATM withdrawal fees. I successfully met these criteria, and my account explicitly qualified for this benefit.I made a qualifying ATM withdrawal, but Cash App failed to automatically waive and reimburse the {$2.00} fee, along with the associated ATM operator surcharge. The total amount owed to me is $ XXXX.I contacted customer support through the in-app chat and provided undeniable screenshot proof of both my qualifying direct deposit history and the incorrectly charged fee. My case was escalated to a support manager on XX/XX/year>. The manager issued a generic response refusing to issue the {$6.00} credit and stated she was closing the complaint because " no new information was provided, '' entirely ignoring the conclusive evidence already attached to the ticket.Cash App is engaging in deceptive trade practices by advertising a financial benefit to incentivize direct deposits, and then systematically denying the benefit to qualified consumers while refusing logical human review. I am seeking a full refund of the {$6.00} in wrongfully charged ATM fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have had 3 chase credit cards, a checking account for over 10 years since basically graduating college. I was locked out because someone tried to access my account not sure who or how etc. However, since not having access, I have been hit with overcharges, not able to fund the account properly and have not recieved any information via mail, email, etc. They literally are taking money in the negative for no reason given when the lockout occurred, it was and had NOT been negative. I have a major issue with this as it hurts MY credit my money and the idea that banks can do that and allowed to take a daily - I have NOT even gotten a resolution! I dont know what to do here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OH

Complaint narrative:
I am submitting this complaint regarding a debt being collected by FCO that originated from a former apartment community, govenours square. I am attempting to resolve this account ; however, I have not been provided with sufficient documentation to verify the amount being claimed. The balance appears to be based on charges allegedly owed to a former landlord, but I have not received an itemized ledger, final account statement, or supporting documentation showing how the balance was calculated. I am requesting that FCO provide : * A complete itemized ledger of the account. * A copy of the final move-out statement from the apartment community. * Documentation supporting any charges for rent, damages, cleaning, repairs, fees, concessions, or other amounts included in the balance. * Verification of the amount currently being collected and the basis for that amount. * Documentation demonstrating FCOs authority to collect on the account. I am not refusing to address any legitimate debt that may be owed. I am requesting documentation sufficient to verify the accuracy of the balance before making payment arrangements. I request that the company provide the requested records and ensure that any information being reported regarding this account is accurate and supported by documentation.

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 2026-06-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I sent a certified debt validation letter to Radius Global Solutions regarding a debt originally from XXXX XXXX XXXX. The letter was returned to me as undeliverable and unable to be forwarded. I have attached the returned mail as proof of my attempt to validate the debt. Despite my efforts, Radius Global Solutions has failed to provide any verification or validation of the debt. They continue to report this debt on my credit report without proper validation. I request that the CFPB investigate this matter and require Radius Global Solutions to either validate the debt properly or remove it from my credit reports. This unresolved issue is negatively impacting my creditworthiness. Thank you for your attention to this complaint.

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 2026-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am filing a formal complaint against Midland Credit Management ( MCM ) for a direct and egregious violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) regarding " Continued Collection, '' and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. Midland Credit Management officially received my written dispute and Debt Validation notice at their physical office on XX/XX/year>, regarding an alleged debt from original creditor XXXXXXXX XXXX XXXX XXXX XXXX Account ending in XXXX ). Under federal law ( FDCPA Section 809b ), once a debt collector receives a timely validation request, they are legally required to CEASE ALL COLLECTION ACTIVITIESincluding updating, altering, or reporting data to credit bureausuntil they have mailed the physical verification and original contract documents directly to the consumer 's address. To this date, I have received absolutely no validation, statements, or contract media verifying this debt at my home address. However, instead of halting collection activities and validating, Midland Credit Management acted in bad faith by continuing collection efforts. On XX/XX/year>, I received an official XXXX XXXX XXXX XXXX showing that Midland Credit Management actively updated and altered my credit report history. They changed the account comments to " Consumer Disputes This Account Information '' and " Collection Account '' while the debt was legally frozen and unverified. Reporting or modifying an unverified account after receiving a validation notice constitutes " Continued Collection '' and is a severe statutory violation. Because Midland Credit Management has completely failed to provide legal verification to my mailbox and chose to illegally update my credit profile instead, I demand that Midland Credit Management immediately delete this account and purge all negative history completely from my credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 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: AL

Complaint narrative:
Equifax , XXXX, and transunion have failed to block the accounts i sent in for dispute with an ftc report attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Equifax , XXXX, and transunion have failed to block the accounts i sent in for dispute with an ftc report attached.

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 2026-06-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

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 2026-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: MI

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding the handling of my recent mortgage refinance. I believe I was misled during the process and was not provided with accurate or complete information about the terms of the refinance. My family and I had paid down our original mortgage to approximately {$380000.00} at an interest rate of 6.99 % as of XX/XX/year>. I received a telemarketing call from XXXX XXXX XXXX ( XXXX ), and the representative, XXXX XXXX, informed me that she could secure a refinance rate of 5.75 %. I made it clear that I would only consider refinancing if it resulted in a lower interest rate, a lower monthly payment, and coverage of both the 2025 summer and winter property taxes. However, I was not properly informed about how the interest rate, escrow requirements, property taxes, insurance, and PMI would affect the final loan terms. As a result, I lost equity and was not guided through the process with the transparency and professionalism I expected. Additionally, in XXXX, I received an unexpected notice that my mortgage had been sold to another lender. This occurred without warning, and I was unable to access or update my mortgage information. We had also recently removed our home insurance from escrow, which added further complications. I have documentation available to support my concerns. As a resolution, I would like to understand my options, including whether it is possible to revert to my original mortgage terms {$380000.00} at 6.99 % and have the insurance and 2025 property tax issues corrected. Please advise on the next steps and what options are available to address this situation. Kind regards, 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 2026-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I purchased a vehicle in South Carolina in XX/XX/XXXX and financed it through Navy Federal Credit Union and registered in South Carolina XXXX. I moved to Florida in XX/XX/XXXX and began the vehicle registration process in Florida. Florida XXXX issued temporary registrations and instructed me to have Navy Federal Credit Union request the title from South Carolina XXXX. I followed these instructions and contacted Navy Federal to initiate the process. Navy Federal stated it would take 30 days. After XXXX temporary registrations expired, the title was still not received. Navy Federal repeatedly stated the title had not been received and submitted multiple requests with the same XXXX timeline. However, when I contacted South Carolina XXXX directly, I was informed that Navy Federal had not submitted any title request since XXXX and that the first request was not received until XX/XX/XXXX. South Carolina XXXX confirmed the title was sent on XX/XX/XXXX, but Navy Federal states they never received it. Navy Federal has submitted three separate title requests in total. During the second request, I was charged {$30.00} for expedited ( XXXX ) processing, but the title was still not received. Recently, I contacted Navy Federal again and requested escalation to a XXXX. I was informed that there were no other options and that I would need to repeat the same request process again, which has already failed multiple times. Florida XXXX will not issue any further temporary registration, and I am now unable to XXXX XXXX my vehicle. It has now been over XXXX months since the process began. I am requesting urgent resolution and accountability to locate and transfer the title.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am filing this complaint because XXXX is attempting to hold me responsible for a credit card account I did not open, authorize, sign for, possess, or use. The account was opened over 40 years ago by my late husband without my knowledge. I live in Missouri, a no -community property state, and I am not legally responsible for my husbands individual credit accounts. I never applied for this account, never received a card, never signed an application, never saw any statements, and never benefited from any charges. The statements were mailed to my husbands business address and completely hidden from me. My first awareness of this account occurred after his passing. I filed a formal dispute with XXXX Fraud Department, including an FTC Identity Theft Report, my ID, my husbands death certificate, and all requested documents. XXXX denied the fraud claim without providing any evidence that I ever authorized this account. XXXX has not provided a signed application bearing my signature, proof I ever received or activated a card, proof I ever benefitted from or accessed this account, or any evidence tying me to this account. Despite this, XXXX mailed me a NEW card in my name- completely unsolicited- which I have not activated or used! This suggests XXXX is attempting to retroactively create liability. This account appears to consist largely or entirely of decades of accumulated interest on a charge made in the XXXX - charges I did not make and was completely unaware of. The balance is now thousands of dollars and I do not have the resources to pay it. I am requesting that the CFPB require XXXX to : XXXX. Close the unauthorized account XXXX. Remove all liability, balances, interest, and fees assigned to me XXXX. Provide written confirmation. That I am not responsible for this debt XXXX. Cease issuing unsolicited cards in my name XXXX. Provide any documentation they claim links me to the account XXXX. Correct any credit reporting associated with this account. This situation is causing significant emotional distress. I am a widow on a fixed income and can not pay for a debt I never incurred. Identity Theft Report Case Reference Number XXXX

Company response to consumer: Closed with explanation