vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 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: CA

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX and their continued reporting of a collection account on my consumer credit reports. On or about XX/XX/year>, I disputed this account and requested verification of the alleged debt, including documentation establishing their legal authority to collect, the chain of assignment from the original creditor, and an itemization of the balance. To date, I have not received adequate documentation verifying the accuracy of this account or XXXX XXXX XXXX legal ownership of the alleged debt. Despite this, the account continues to be reported on my credit reports. As a debt buyer, XXXX XXXX XXXX is required to maintain sufficient documentation to substantiate the debt and ensure that the information they furnish to consumer reporting agencies is accurate and complete. Their continued reporting of this account without providing proper verification raises serious concerns regarding compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), including the obligation to report accurate information and avoid misleading representations. Additionally, I have already filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding this matter, and the issue remains unresolved. I am requesting that this matter be investigated and that XXXX XXXX XXXX be required to either : XXXX. Provide proper documentation verifying the accuracy of this account and their legal right to collect, or XXXX. Remove the account from all consumer credit reporting agencies if it can not be properly substantiated. The continued reporting of this unverified account is negatively affecting my credit profile and my ability to obtain credit. I request that this matter be addressed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
Sent military orders of my husbands to have the interest rate on my credit card lowered to 6 % with implementing the Louisiana Law RS 29:312 on XX/XX/year>. Was mailed a paper last week that I was denied.

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 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: IL

Complaint narrative:
Collection Bureau is reporting multiple collection accounts on behalf of XXXX XXXX XXXX XXXX. I disputed these accounts and requested validation, including documentation, itemization, and account history. The company responded to a prior complaint but failed to provide any documentation supporting the validity of the accounts. They did not provide : Itemized statements Full account history or ledger Documentation showing the accounts are separate obligations Any signed agreement or proof of my legal obligation to pay Any documentation showing they have the authority to collect Instead, they issued a general statement that the balances remain and instructed me to contact them by phone. This is not validation. The company continues to report multiple accounts without providing documentation to support the existence, accuracy, or legitimacy of the alleged debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was discriminated against and insulted by a bank teller named XXXX XXXX. As I approached the teller window I was looking for my ID in my purse and the teller decided to be disrespectful instead of saying hello. Assuming that I was in a bad mood when in fact I was not is a microagression and an insult. how can I assist you? Should be the first thing you say. This man stated you look unhappy, he does not know me at all and never interacted with me and speaking without knowledge. Next, he continued to be disrespectful and over talk me when I tried to explain that my temporary card was not working. He immediately said IT DOES WORK!! When in fact it did NOT!! This is ridiculous that a XXXX man is biased and assuming things that upsets customers.

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 2026-04-28 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as COMENITYCAPITALXXXX XXXX XXXX XXXX XXXX XXXX XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that this company has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am requesting validation of this alleged debt because I do not recognize it and require proof that I am legally responsible for the amount claimed. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
I am filing a formal complaint regarding a solar loan financed through GoodLeap. The solar system associated with this loan was sold under misleading representations and was not properly installed. I was told the system would eliminate my electric bill, which has not occurred. Additionally, the system appears defective and is not functioning as promised. The installation company is now out of business due to alleged misconduct, leaving the system unresolved and unsupported. As a result, I have not received the product or performance that was represented at the time of sale. I have attempted to dispute this loan directly with GoodLeap, but my dispute has been ignored and not properly acknowledged. This situation constitutes a failure of consideration and raises serious concerns about lender oversight of contractors and sales practices tied to this financing. I am requesting : Immediate acknowledgment of my dispute Suspension of loan payments during investigation A full investigation into the installation and sales process A fair resolution, which may include repair, replacement, or cancellation of the loan obligation I am prepared to provide documentation, including communications, billing records, and evidence of system performance issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Larry H. Miller Group of Companies
State: PA

Complaint narrative:
XX/XX/year> Pass due Agreement Amount {$560.00} Agreement for XXXX payment {$110.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding inaccurate late payment reporting on my account. The reported late payments do not accurately reflect my payment history and have negatively impacted my credit profile, failure to ensure accurate credit reporting raises concerns under applicable consumer protection and credit reporting standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
I am requesting a formal review of overdraft fees that TD Bank NA charged my business account ( XXXXXXXX XXXX XXXXXXXX ) over an extended period, totaling approximately {$22000.00} over two years. During the time my account was active my business processed regular revenue through a XXXX system, with funds consistently deposited into my account. However, due to the timing of deposits ( particularly over weekends ) there was a recurring mismatch between when transactions were processed and when deposits were credited. Specifically : Customer payments were often not deposited until next business day or after weekend. Expenses and withdrawals were processed before those deposits posted This resulted in repeated overdraft fees, even though sufficient funds were in transit Because of this timing issue, my account entered a cycle where : Overdraft fees were charged repeatedly within short timeframes Incoming deposits were largely consumed by accumulated fees The account was unable to recover despite consistent business revenue I also made efforts at the time to stabilize the account, including requesting a line of credit or other support, but was denied. As a result, the overdraft cycle continued without a viable way to manage cash flow timing. While I understand that overdraft fees may be disclosed in account terms, the pattern and volume of fees in this case were driven by a structural timing issue rather than a lack of incoming funds. The repeated nature of these charges created a sustained financial burden that significantly impacted my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I disputed a {$640.00} unauthorized charge from XXXX. Chase denied the claim solely because it was processed through a digital wallet. I did not authorize this transaction, do not have a relationship with this merchant, and did not receive any goods or services. Chase has not provided proof that I authorized the charge using my device or credentials. I am requesting a full investigation and reversal of the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Marlette Funding, LLC
State: NY

Complaint narrative:
For the pass seven months this company XXXX XXXX XXXX have been harassing me and when asked for proof of debt they dont know how to responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
I AM A IDENITY THEFT VICTIM. I AM BATTLING WITH CREDITORS DAILY DUE TO THIS UNFOURUNATE SITUATION. THERE ARE SEVERAL ACCOUNTS ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE AND THAT DO NOT BELONG TO ME. XXXX XXXX XXXX ACCOUNT # XXXX {$5100.00} OPENED XX/XX/XXXX. TOYOTA MTR ACCOUNT # XXXX {$43000.00} OPENED XX/XX/XXXX. XXXX XXXX ACCOUNT # XXXX {$550.00} OPENED XXXX XXXX XXXX ACCOUNT # XXXX {$1000.00} OPENED XX/XX/XXXX. XXXX XXXX XXXX ACCOUNT # XXXX {$1000.00} OPENED XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
CapitalOne Quicksilver Card Account. Account was restricted to new purchases for a number of months but I had set on autopay to make monthly payments as account was wound down. XX/XX/year>, I made a large payment to pay outstanding balance. At this time, I initiated no change to autopay status. However, without my knowledge or consent, CapitalOne admitted that their internal policy caused my autopayments to end at that point. They said that they sent a PHYSICAL mailing to inform me of such change. No email was sent by them nor received by me informing me of the change they initiated in my autopay status. My XX/XX/XXXX payment did not cover approximately {$9.00} of accrued interest. Had the autopay still been in place, it would have covered that cost. However, given my lack of knowledge in the autopay status, I did not initiate a specific payment to cover that next invoice with the accrued interest. Because autopay was shut off by CapitalOne, no payment was made before due date. At this point, CapitalOne charged additional interest as well as a past due fee of {$9.00} on XX/XX/year>. All communication that I had including statements were made online prior to my call with customer service. Seeing this result on my statement, on XX/XX/year> at approximately XXXX Pacific Time, I called CapitalOne to rectify. In my discussions with customer service ( elevated to Supervisor XXXX, employee number XXXX ), I was informed that CapitalOne policies would not allow the reversal of the {$9.00} past due fee and that my only option with them to avoid the eventual blemish on my credit score and my account being sent to collections was to pay the fee, even if it was the Company 's own actions which caused my late payment. I considered this statement to be the equivalent of financial extortion and a way for the Company to squeeze unfair fees out of customers who were otherwise operating in good faith. Customer service could not show me that any email was sent informing me of my change in autopay status, only that they claim a physical letter was sent, but they could not confirm that I ever took possession of it or ever informed of its contents. I accepted that there had been accrued interest owed, and I then made a payment of {$9.00} to cover my accrued interest from the prior month as well as interest accrued on the prior accrued interest for the current statement period. However, I refused to pay their {$9.00} past due fee which was entirely their own doing. On XX/XX/year>, CapitalOne has assessed an additional {$18.00} past due fee based on my refusal to pay their first past due fee. They continue to apply financial pressure and the threat of collections and credit score damage until I agree to pay the fees which their were initiated by their bad internal policy and their continued refusal to rectify enriches them at my expense.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Robinson & Hoover
State: OK

Complaint narrative:
On XX/XX/XXXX I was made aware only after receiving my pay that I was being garnished. From something in XXXX. XXXX years went by with no collection attempts and the company doesnt even have the account anymore. Then I find out they decided to file for garnishment in XXXX. They provided generic proof of looking for me then only notified by publication. I was very easy to locate and can provide proof of that. Then later sent in a proof of service to an address I have never resided at. I was not given a chance to properly defend myself. Then when I try to call and request information on the case, no one will answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: MI

Complaint narrative:
I recently reviewed my credit report, and noticed I have been a victim to identity theft. This is hurting me and my family, as we are looking for a home. Please removed the following 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 explanation
Consumer complaint received 2026-04-27 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I recently reviewed my credit report, and noticed I have been a victim to identity theft. This is hurting me and my family, as we are looking for a home. Please removed the following account!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
The morning of XX/XX/year>, I awoke to notifications about someone logging in to my Cashapp account. I followed the Cashapp prompts and denied accesses. I had multiple stocks and XXXX. My entire life savings of over {$5000.00} was invested in their app and stocks that I use daily. While I was showering, from approximately XXXX someone got into my account and sold all of my stocks and XXXX then transferred it all out of my account. They also then started making attempts to withdraw money from my personal bank attached to cashapp, at XXXX XXXX. They also were able to eventually make multiple withdraws while also having failed attempts. I immediately called Cashapp support and then also XXXX XXXX. While on the phone with XXXX XXXX they were witnessing money being taken from my account. This money is all I had and has really disrupted my life and plans to open my new business. Its not a lot of money to some people but to me it was a TON. I also went to my local police station in XXXX XXXX and filed a police report. I have since followed up with the police multiple times and sent screenshots shots of the accounts that took my money and helped with any info I can. Someone hacked my Cashapp account and Ive called them every week since XX/XX/year>. They told me the investigation would take XXXX business days. Its been over XXXX business days and every time I call they blow me off, apologize and offer ZERO information as to what is happening. Ive tried to be patient but I am really struggling now and way behind. Please help. Ive tried all I know to do and Cashapp and XXXX XXXX have been no help. Also. XXXX XXXX gave me a temporary provisional credit on the fraudulent withdraws, but then reversed that about XXXX weeks later. So both companies have failed to protect my money I trusted them with. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: CA

Complaint narrative:
My XXXX XXXX modification was wrongfully denied due to a servicer transfer error, misreported trial payments, and missing suspense funds. I completed all required trial payments for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX payments were made to the old servicer XXXX XXXX XXXX and XXXX payment was made to the new servicer Selene Finance XXXX XXXX payment was incorrectly reported as short of around {$100.00}, even though I have a bank statement showing the full amount was paid. Additionally, XXXX trial payments are missing from my suspense account with the new servicer. New servicer shows XXXX trial payment in suspense - the one they claim was short. The new servicer relied on incorrect transfer data, placed XXXX payment in suspense, failed to transfer the other XXXX, and denied my modification based on inaccurate information. The new servicer has acknowledged that the old servicer 's records show the payment was made on time, but they are still treating it as short and have not credited the other XXXX payments. This is a servicing transfer error, a payment crediting error, and a loss mitigation error. Under XXXX and RESPA rules, services must accurately transfer payment histories and can not deny loss mitigation options based on misapplied or misreported payments. Because of these errors, I was forced to sign a new trial period modification even though I had already completed the first XXXX.

Company response to consumer: Closed with explanation