vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: U.S. BANCORP
State: FL

Complaint narrative:
b'This is in regard to a US Bank XXXX XXXX. Account # XXXX XXXX XXXX XXXX. This is a credit card that my deceased wife opened. My wife passed away on XX/XX/2025. I notified US Bank and provided them with a death certificate. The account specialist informed me that I was not responsible for the debt because this was not a joint account. I was simply a card holder. This has now been turned over to a collection agency that has been calling me repeatedly claiming that I am now responsible for this debt. I have asked several times to have the original credit application mailed to me as proof that I signed as a cosigner. They have not provided this document. When I call the customer service number for US Bank, I am informed that I am not responsible for this debt and I have fulfilled all obligations in the reporting process. This debt has now shown up on my credit card report. Despite numerous requests a manager has not returned my calls. I want this removed from my credit report and the harassing phone calls to stop. Pleas assist!'

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 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: MO

Complaint narrative:
Today, I received a letter in the mail stating I owed XXXX for a debt from XX/XX/year> or prior. I called Synergetic Communcation Inc. They claimed this debt was mine, I initially didnt even know what company this pertained to. The company of where this initial debt occurred was ar XXXX XXXX XXXX. I gave the one who had services done a ride there. I never accepted any responsibility for the debt and know nothing in regards to any charges or how they were handled. They claim I signed something accepting responsibility but switched their story several times during the phone call stating I was automatically responsible for giving them a ride there, then changing to I did accept responsibility. I stated several times I never did and should have never received this letter. This is a scam on their end to deceive me into accepting responsibility for something that I never agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Issue : Incorrect debt / Attempt to collect debt not owed / Improper amount Company : National Credit Adjusters , LLC Original Creditor : XXXX XXXX XXXX ( XXXX XXXX ) Complaint : I am filing a complaint regarding inaccurate reporting and improper collection practices by National Credit Adjusters , LLC. This account is being reported as a collection with a balance of approximately {$5300.00}. However, this is inaccurate and misleading for the following reasons : Debt was already paid I paid approximately {$3300.00} directly to the original creditor, XXXX XXXX XXXX, in or around XX/XX/year>. Therefore, the debt should not be reported as an outstanding collection. Inflated and unexplained balance The amount being reported by National Credit Adjusters , LLC is significantly higher than the original obligation. No explanation, breakdown, or supporting documentation has been provided to justify the increase of over {$2000.00}. Failure to properly validate the debt I requested validation of this debt. In response, I received only a summary listing my name, account number, and balance. This does not constitute proper validation. The company failed to provide : A signed agreement or contract A full payment history or accounting of the balance Proof that the debt remains unpaid after my payment to the original creditor Documentation showing legal ownership or assignment of the debt Inaccurate credit reporting Despite the above issues, this account continues to be reported to the credit bureaus. Reporting an inflated and unverified balance is a violation of the Fair Credit Reporting Act. Desired Resolution : Immediate deletion of this account from all credit reporting agencies Written confirmation that the account has been removed Cessation of all collection activity related to this account I am requesting a full investigation into this matter and enforcement of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a situation on XX/XX/XXXX where I was robbed and pistol whipped at gunpoint I filed a claim with Capital One for items that were siphoned and stolen out of my account. I called no less than 10 or 12 times asking Capital One bank. Where do I send the police report? Where can I upload the police report and I was told numerous times over and over and over that dont worry about it if they need it, theyll ask for it. Dont worry about it. Dont worry about it so I then continued to call and ask for an expedited provisionary credit so that I could pay my rent and not get evicted. so I then continue to call and ask for a expedited provisionary credit so that I could pay my rent and not get evicted numerous times called and then continue to ask again where do I send the police report? Where can I send you? The police report? Dont worry about it. They said dont worry about it. Well ask you for it if we need it, they said well a few days ago they denied my request for provisionary credit, and then moments later turned around and denied the claim stating that I had something to do with it or I knew the person and I was involved, which is absolutely infuriating. I called Capital One instantly and informed them that theres no way that they came to that conclusion if they wouldve had the police report on file after about three or four hours of being on the phone with Capital One. I finally got to a manager that told me specifically that he had authorization to send the claim back for review and to have the provisionary credit expedited and he sent it back with a copy of the police report attached I give it 24 to 48 hours later and a call back only to be told that now since the first claim was denied, and this is a reopening, theres absolutely no timeframe as for when they will have this claim reviewed and processed and that under no circumstances, do they issue a provisionary credit for claims that have been denied and or denied and reopened. Im going to be evicted. Im going to lose my apartment because of the incompetence and the inadequacy at Capital One bank. Ive called them several times and Ive begged and Ive pleaded for them to find a manager. Find somebody that can put that can actually contact their back office and and get something done about this and they are refusing and theyre telling me there is absolutely no timeframe as to when they are gon na have this review done of the claim. They cant even confirm for me that they have the police report and the eviction notice on file for the new claim or not, and Im not exaggerating Im literally going to lose my house because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC
State: IL

Complaint narrative:
I am filing a complaint against MRS BPO LLC for improper third-party communication. This company has been sending text messages to my phone number attempting to collect a debt from another individual which I do not owe and am not responsible for. In these messages, the company disclosed specific debt information, including the creditor and the alleged balance. I did not consent to receive this information, and I am not the debtor. The disclosure of this information to me, a third party, appears to violate the Fair Debt Collection Practices Act. I have received multiple messages despite having no connection to this account. I am requesting that the company cease all contact with me immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Control, LLC
State: NY

Complaint narrative:
Subject : Formal Complaint Failure to Validate Debt and Unlawful Collection Activity I am filing this complaint against Credit Control LLC regarding a collection account being reported under my name allegedly on behalf of XXXX XXXX. I formally dispute this debt and do not acknowledge liability. To date, Credit Control has failed to provide proper validation as required under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, you have not provided : - A copy of the original signed agreement - A complete payment history or itemization of the alleged balance - Documentation proving your legal authority to collect this debt - Proof that this account was lawfully assigned to your agency Continuing to report or attempt to collect this account without proper validation constitutes a violation of federal law, including but not limited to the FDCPA and FCRA. Additionally, presenting settlement offers without first validating the debt raises concerns of unfair and deceptive collection practices. I demand the following : 1. Immediate validation of the alleged debt 2. Immediate cessation of all collection activity until validation is provided 3. Immediate deletion of this account from all credit reporting agencies if validation can not be produced If Credit Control fails to comply, I will not hesitate to escalate this matter further through additional regulatory and legal channels. This complaint serves as formal notice of dispute. Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I am filing a complaint against Columbia Debt Recovery regarding an alleged rental debt of approximately {$280.00} that is being reported on my credit reports. On XX/XX/2026, I sent a written debt validation request via certified mail requesting full validation of this alleged debt. The letter was successfully delivered. As of today, I have received no response and no validation from the debt collector. Despite failing to validate the debt, Columbia Debt Recovery continues to report this account to the credit bureaus. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ), which requires a debt collector to cease collection activity until validation is provided, and the Fair Credit Reporting Act ( FCRA ), which requires that all reported information be accurate and verifiable. This account stems from a student housing lease where I was a co-signer. The unit was left clean at move-out, and keys were returned as instructed. I previously disputed these charges directly with the property management, and I do not believe this charge is valid. No documentation has been provided to support the alleged debt. Since the debt has not been validated, it is unverified and should not be reported. I am requesting : Immediate deletion of this account from all credit reporting agencies Confirmation that this account will no longer be reported Written confirmation that this matter is closed If this issue is not resolved, I am prepared to pursue further action for violations of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year>, I attempted to access my PayPal account and was unable to log in because XXXXstep verification is tied to a phone number I no longer have access to. I attempted to use XXXX account recovery process and contacted support through their chat system. However, all recovery instructions provided require either access to the old phone number or the ability to log in, which is not possible in my situation. I repeatedly requested an alternative method of identity verification, including manual identity verification, but was not provided with a workable solution. Instead, I was given circular instructions that directed me back to processes that require access to the account I can not access. I am requesting that PayPal provide a functional account recovery process for situations where a user no longer has access to their registered phone number, and that my account be reviewed so that the outdated phone number can be removed and access restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I am writing to formally dispute the validity of the above-referenced debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, and the Florida Consumer Collection Practices Act ( XXXX ), XXXX XXXX. XXXX, I demand that you provide " verification '' and " validation '' of this debt. Cease and Desist Notice : XXXX XXXX XXXX. XXXX, you are hereby notified to cease all telephone communication with me regarding this debt. Any further communication must be in writing and sent via U.S. Mail. Furthermore, under XXXX XXXX. XXXX ( XXXX ), it is a violation of Florida law to communicate with a debtor with such frequency as can reasonably be expected to constitute harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am submitting this complaint regarding Equifaxs failure to comply with the Fair Credit Reporting Act, specifically under XXXX XXXX. XXXX and XXXX. I previously notified Equifax that certain accounts on my consumer report were not authorized by me and may be the result of identity theft. I provided proper notice and documentation, requesting that these items be blocked and removed in accordance with XXXX. Additionally, Equifax has continued to report these accounts without providing a permissible purpose as required under XXXX. I have not given authorization for these accounts, nor have I entered into any contractual obligation with the reporting parties. Despite my dispute, Equifax failed to conduct a reasonable investigation and continues to report inaccurate and unverified information on my credit file. This is causing ongoing harm to my financial standing. I am requesting that Equifax comply with federal law by immediately blocking and removing all unauthorized and fraudulent accounts, and provide documentation verifying the method of verification used in their investigation. I also request a complete copy of my consumer file reflecting these corrections. I have included my Drivers license, paystub, and social security card proving my identity. Please block these accounts in XXXX business days!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am writing to formally dispute the validity of the above-referenced debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, and the Florida Consumer Collection Practices Act ( XXXX ), XXXX XXXX. XXXX, I demand that you provide " verification '' and " validation '' of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: NV

Complaint narrative:
I was notified on XX/XX/year> that I have two collections accounts from XXXX XXXX via IQ Data International. I have never signed a lease, or lived at an apartment complex named XXXX. My SSN has been used by family members without my authorization or consent. I am a victim of identity fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the accuracy and completeness of the payment history reported on the following account : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Several late payments are being reported on this account. The reported payment history appears inaccurate or incomplete. Please conduct a reasonable investigation and verify the accuracy of each reported late payment, including the dates, status codes, and how the delinquency was determined. If the late payments can not be verified with complete and accurate records, they must be corrected or removed and the account updated to reflect accurate payment history. Please provide the results of your investigation.

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 2026-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: MS

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and reporting of late payments associated with the above-referenced account. According to my review of my credit report, this account is reporting multiple late payments, including 30, 60, and 90-day delinquencies. However, I am requesting that you provide full validation and documentation supporting the accuracy of these reported late payments. Under the Fair Credit Reporting Act ( FCRA ), you are required to report only information that is complete, accurate, and verifiable. At this time, I am requesting the following : Complete payment history records Proof of the original agreement bearing my signature Documentation showing how each late payment was calculated and reported Verification that all reporting complies with FCRA standards If you are unable to provide this documentation, I am formally requesting the immediate removal of all late payment notations associated with this account from all credit bureaus. Additionally, I would like to bring to your attention that this account has previously been disputed, yet the negative reporting remains. Failure to properly investigate and validate disputed information may constitute non-compliance with federal law. Please note that I am prepared to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX XXXX ( XXXX ), and my State Attorney General if this issue is not resolved promptly. I expect a full investigation and written response within 10 days of receipt of this letter. Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bilt Technologies, Inc.
State: WY

Complaint narrative:
I have a XXXX XXXX credit card. I did not carry a balance from prior cycles. My account was set up via the issuers website for automatic payments of the full statement balance every month. On my XX/XX/year> statement, the statement balance was {$26000.00}. The autopay setting was clearly configured as Pay statement balance in full. However, because of credits applied to the account ( refunds/statement credits ), the issuers system reduced the autopay amount below the printed statement balance without any warning that this would occur or that interest would still be charged. As a result, the automated payment they processed was {$25000.00}, which is less than the statement balance, and they charged me interest of {$42.00}. I did not manually choose to pay less than the statement balance and I did not carry a balance. I relied on the websites autopay option labeled Pay statement balance in full, which a reasonable consumer understands to mean no interest will be charged for that billing cycle when there is no previous balance. Other issuers pay statement balance in full options are designed to avoid interest when there is no prior balance. When I contacted customer service, I was told the statement balance was not paid in full and the interest charge was correct. There are reports from other cardholders experiencing the same issue and being told it is a systemwide issue, which suggests this is not an isolated error but a systemic billing or autopay design problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: IL

Complaint narrative:
WHOM IT MAY CONCERN : I AM SENDING THIS LETTER TO YOU IN RESPONSE TO A NOTICE I RECEIVED FROM YOU.BE ADVISED, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICE ACT,15 USC 1692g SEC.809 ( b ) THAT YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. THIS IS NOT A REQUEST FOR " VERIFICATION '' OR PROOF OF MY MAILING ADDRESS, BUT A REQUEST FOR VALIDATION MADE PURSUANT TO THE ABOVE-NAMED TITLE AND SECTION.I RESPECTFULLY REQUEST THAT YOUR OFFICE PROVIDE ME WITH COMPETENT EVIDENCE THAT I HAVE ANY LEGAL OBLIGATION TO PAY YOU.PLEASE PROVIDE ME WITH THE FOLLOWING : WHAT THE MONEY YOU SAY I OWE IS FOR ; EXPLAIN AND SHOW ME HOW YOU CALCULATED WHAT YOU SAY I OWE ; PROVIDE ME WITH COPIES OF ANY PAPERSTHAT SHOW I AGREED TO PAYWHAT YOU SAY I OWED ; PROVIDE A VERFICATION OR COPY OF ANY JUDGEMENT IF APPLICABLE ; IDENTIFY THE ORIGINAL CREDITOR ; PROVE THE STATUTE OF LIMITATIONS HAS NOT EXPIRED ON THIS ACCOUNT ; SHOW ME THAT YOU ARE LICENCED TO COLLECT IN MY STATE ; AND PROVIDE ME WITH YOUR LICENCE NUMBERS AND REGISTERED AGENT.IF YOUR OFFICES HAVE REPORTED INVALID INFORMATION TO ANY OF THE THREE MAJOR CREDIT BUREAUS ( XXXX, XXXX OR XXXX ), SAID ACTION MIGHT CONSTITUTE FRAUD UNDER BOTH FEDERAL AND STATE LAWS.DUE TO THIS FACT, IF ANY NEGATIVE MARK IS FOUND ON ANY OF MY CREDIT REPORTS BY YOUR COMPANY OR THE COMPANY THAT YOU REPRESENT, I WILL NOT HESITATE IN BRINGING LEGAL ACTION AGAINST YOU FOR THE FOLLOWING : VIOLATION OF THE FAIR CREDIT REPORTING ACT VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT DEFAMATION OF CHARACTER ''

Company response to consumer: Closed with explanation