vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA closed my checking and savings account and my credit card for no reason.

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 2026-05-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Collection Management Holdings, LLC
State: NJ

Complaint narrative:
I am writing to formally file a complaint regarding my recent experiences with Credit Management Company ( Tel : XXXX ) concerning Reference Number XXXX XXXX. I have contacted your office multiple times regarding a bill that I never received from XXXX XXXX. I have also reached out directly to both the hospital and my insurance company, and neither party has been able to locate any record of this claim. During my calls with your representatives, I experienced extremely unprofessional and inappropriate conduct. On at least two occasions, the representative was dismissive, refused to listen to my explanation, and repeatedly instructed me to contact my insurance company, despite my clear statement that the insurance company could not locate the claim. Additionally, I was subjected to inappropriate behavior, including : Being spoken to in a disrespectful tone Having my calls disconnected multiple times A representative making inappropriate remarks during the call Lack of basic professional customer service etiquette This treatment is unacceptable and has caused unnecessary frustration and distress. As a customer attempting to resolve a billing issue in good faith, I expect to be treated with professionalism, respect, and courtesy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a CFPB complaint against Cavalry Portfolio Services , LLC along with a formal validation request disputing the validity, ownership, and accuracy of the alleged debt they are attempting to collect and/or furnish. In my written validation request, I specifically requested documentary validation under the FDCPA and verification of reporting accuracy and completeness under the FCRA. My request included the original signed agreement, proof of chain of ownership, purchase agreement or assignment records, complete accounting history, proof of legally required notices, authorization permitting furnishing/reporting, and other supporting documentation. Most importantly, I specifically requested the Date of First Delinquency ( DOFD ), which is a critical reporting field directly related to the accuracy, completeness, aging, and legal reporting period of the account under the FCRA and XXXX XXXX reporting standards. Cavalry Portfolio Services responded to the complaint and provided certain account information, including the charge-off date and the date the account was allegedly acquired. However, Cavalry failed to provide the actual Date of First Delinquency ( DOFD ) requested in my dispute, nor did they provide documentary proof substantiating the DOFD being used for reporting compliance purposes. The DOFD is not optional information. It is a required reporting field used to determine the lawful reporting period of the account. If Cavalry claims the account has been verified as accurate and complete, then Cavalry should be able to identify and substantiate the DOFD associated with the account. Additionally, Cavalry failed to fully provide : 1. Documentary proof of chain of ownership and assignment ; 2. Purchase agreement or assignment records ; 3. A signed original agreement bearing my signature ; 4. Authorization permitting furnishing or updating information on my credit reports ; 5. Complete accounting records and supporting documentation ; 6. Proof of legally required notices with mailing evidence or tracking ; 7. The complete data set maintained for the account ; 8. Original source documents relied upon before furnishing or updating information. Instead of fully responding to the dispute, Cavalry stated that several requested items were not required to be provided. However, my dispute was made under both the FDCPA and the FCRA and specifically challenged the accuracy, completeness, ownership, and enforceability of the alleged debt and the information being furnished to consumer reporting agencies. Failure to provide or verify the DOFD and other critical reporting information raises serious concerns regarding whether a reasonable investigation was actually conducted under FCRA 1681s-2 ( b ) and whether the tradeline being furnished is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
To Whom It May Concern, I am writing regarding the alleged debt referenced in your recent communication. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. Please provide the following information : The name and address of the original creditor The account number associated with the debt The amount of the alleged debt, including any fees or interest Documentation showing that I am legally responsible for this debt Verification that your agency is authorized to collect on this account Until this information is provided, I request that all collection activity cease and that the account not be reported or continue to be reported inaccurately to any credit reporting agencies. Please respond to this request in writing. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NV

Complaint narrative:
This account was opened fraudulently and Jefferson Capital Systems LLC is attempting to collect this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: AR

Complaint narrative:
My identity was stolen by someone in Indiana in XX/XX/year>. When I found out in XXXX I immediately disputed what was there and put a fraud alert and freeze in place with the credit bureaus. I also filed reports on Identity Theft .org and am now filing a police report. Since then a utility account has popped up that I disputed. Today I found out that an apartment was rented in my name and not paid. Collections were sent to IQ Data who added it to my credit report without notifying me in any way. I called them to see what ai need to do to dispute it and why they did not notify me before adding to my report as that is illegal debt parking. They told me they cant do anything but send me a fraud packet to my current address, which they did not have and I had to give them. They refused to answer any of my questions and were very rude and basically told me I wont be able to get this removed unless I find the person who did it which is impossible as they used my identity for everything they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Klarna AB
State: AZ

Complaint narrative:
On XX/XX/XXXX, I called Klarna to report unauthorized accounts created under my name and SSN, under an address and email address that do not belong to me and that I have no connection with whatsoever. These accounts were only made apparent to me initially by XXXXXXXX XXXX XXXXXXXX service notifying me of an address being linked to my social. Klarna took an extended period of time to investigate, never reaching back out to me ( as requested ) other than sending multiple automated responses that they found no evidence the accounts were opened fraudulently because Our investigation shows the purchase was made using details you've successfully used with Klarna before. Essentially, because the fraudster used the account fraudulently before, all of the purchases must be legitimate. I have contacted Klarna multiple times since the original report to follow up, attempt to escalate, and prove that they are not my accounts. Their response has been EXTREMELY poor. They only will conduct conversation via email, calls only result in them filing the same investigation over and over again, at which point I receive another automated message saying that they are legitimate purchases. At one point, Klarna disclosed to me that they cant do anything until I file a police report or fraud report with the government. I did so on XX/XX/XXXX, and was given a confirmation number of XXXX. I passed that along to Klarna during another escalation attempt, yet they have still not responded to my request for a re-investigation. Oddly, some of the accounts have been closed since my report, but they refuse to remove them from my credit report. If they found me to be not liable for one, why not all? What information is suggesting some are legitimate but not others? One account has actually now gone to collections, and that is of my primary concern. Klarna is being extremely uncooperative in my efforts to right the situation, and Im left with no other option than to file this complaint in hopes it will make them take this as seriously as I do, given that its unfairly impacting my credit history. I have not, and never will have a Klarna account. My immaculate credit history shows this to be an obvious outlier that the accounts are not mine. A XXXX search of that address shows its being used for tons of fraudulent accounts. Klarna should be doing more due diligence on the account information it receives before recklessly creating lines of credit in peoples names and then refusing to be of help when they support a fraudsters efforts to defraud people.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
On XX/XX/year>, I received a text message on my cell phone about an overdue payment for a retail credit card for using Wells Fargo. I never received a statement so I called the number listed on the text message and was transferred multiple times. Nobody could find the account and they could not help me after two hours on the telephone I gave up. I called back later in the day at about XXXX XXXX and was transferred a total of 10 times. The 10th representative was able to give me my account number balance, and payment money due. And transferred me for online help to set up an account so I never had to deal with telephone again .. after speaking with all of our representatives they had, no one could help me set up my account and transferred new one last time and then I hung up.

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 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX issued a XXXX XXXX XXXX credit card to me without my knowledge or approval. I never received the credit card nor did I activate the card. Then they started using this credit card to pay my XXXX charges without me being aware. Then two months later I received a late statement in the mail for those charges. I returned the bill along with an explanation that I knew nothing about the credit card. They never responded back to me. Then XXXX sends two late payments to the credit bureau that reduces my credit score by XXXX points. The two charges were for {$10.00} each. When I realized this, I contacted the PayPal credit card department and sent chat messages but they never respond to my issue. I even called but was always stuck on hold. My credit report drops by XXXX points because I didnt pay for two {$10.00} charges I didnt even know about. I have since made the payments, including the late charges and interest and have closed out my account. It has been impossible to connect with their fraud department. They would only give me a phone number but would not provide any other way to connect with them. When I call them, I never get connected to a live representative. I dont know what other course of action I can take or how to correct my credit score.

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 monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: GA

Complaint narrative:
I am submitting this complaint regarding misleading and deceptive servicing communications by Mercedes-Benz Financial Services USA LLC ( XXXX ) related to my lease-end balance and payment obligations. In XXXX written response to my prior CFPB complaint dated XX/XX/year>, XXXX expressly admitted that the XX/XX/year> payment due date displayed on XXXX was system-generated based on the vehicle return date, despite the Lease End Statement allegedly requiring payment within 10 days of receipt. XXXX further acknowledged that consumer-facing due date information displayed on its official servicing platform was inaccurate and stated only that the issue had been shared for review. Consumers reasonably rely on the payment due dates and account information displayed within an official lender servicing portal. Displaying an inaccurate due date has the capacity to materially mislead consumers regarding when payment is actually required. The fact that the misleading disclosure was system-generated does not eliminate the consumer harm or regulatory implications. This conduct constitutes a deceptive act or practice under UDAAP standards because : XXXX displayed conflicting payment obligations to the consumer ; the inaccurate date appeared on XXXX own official account platform ; a reasonable consumer would rely on the displayed due date ; reliance on the inaccurate date could expose consumers to stress, the threat of collection activity and fees, credit reporting harm, or other adverse consequences. Additionally, XXXX simultaneously rejected my dispute while acknowledging the servicing system displayed inaccurate information. This response fails to adequately address the consumer harm created by the misleading disclosure itself. I request that the CFPB require XXXX to : 1. Explain how long inaccurate due dates were displayed to consumers ; 2. Identify whether other consumers were impacted by the same servicing issue ; 3. Confirm what corrective actions are being implemented ; 4. Confirm that no adverse reporting, collections activity, penalties, or other negative consequences will arise or have arisen from reliance on the inaccurate due date displayed on mbfs.com ; 5. Review whether XXXX servicing and disclosure practices comply with applicable UDAAP standards. I also reserve all rights and remedies available under applicable federal and state consumer protection laws arising from misleading servicing communications and disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: National Enterprise Systems, Inc.
State: NJ

Complaint narrative:
Emails have been received with bills from a company I have not done any negotiations with.

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 2026-05-20 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: GA

Complaint narrative:
they are still giving me the run around on the following unauthorized transaction. the customer service hasnt changed they are still trying to pass the buck to someone else XX/XX/XXXX XXXX I try to get a hold of cashapp through the links inside the app. They were all dead. So I went to XXXX to find cashapp customer service. When I called it sounded like a call center for cashapp but ut was scammers and cahjapp offered no help when o contacted them to recover the money. I knew it went to XXXX XXXX XXXXXXXX on XXXX in the amount if XXXX or very close to this amount. i do not know what actually had posted when the money was taken. I contacted them on XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX with no resolution XXXXXXXX XXXX XXXXXXXX is the account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: NY

Complaint narrative:
They filed against my credit before giving me the opportunity to pay the fee. Even after telling me if I pay the fee it will still stay on my credit report - now my redit score dropped XXXX points To Whom It May Concern, I am writing regarding account number XXXX. While I do not acknowledge liability for this debt, I am willing to resolve this matter. I am offering {$80.00} as full settlement of the account in exchange for the complete deletion of this account from all credit reporting agencies ( Equifax, Experian, and TransUnion ). This offer is contingent upon written confirmation that : XXXX. The account will be deleted from all credit bureaus upon payment XXXX. The payment will satisfy the debt in full XXXX. No negative reporting will remain

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
I filed a complaint against XXXX XXXX alleging that the bank unlawfully withheld my funds. A copy of my complaint is attached. In its response, the bank falsely claims that my funds were released on XX/XX/XXXX. I am attaching an additional document to this complaint. This document serves as proof that, on XX/XX/XXXX, I was unable to transfer the remaining balance from my account to an external account specifically because I had exceeded the transaction limit. Thus, the bank failed to raise the limit and unlawfully detained and utilized my funds. In its letter ( a copy of which is attached ), the bank asserted that the funds had been released on XX/XX/XXXX. The bank lied and violated my legal rights. I request that this financial institution be held accountable for violating consumer rights. Furthermore, I seek compensation from the bank for the emotional distress and financial losses I have suffered.

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 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX 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 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2026-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
I had a Chime account which was closed on XX/XX/year> I was first advised because I owed money, but that can't be true because I had direct deposit, so any funds owed they could have taken once the deposit was available. My last payment was actual returned by to my employer since my deposit was the same day that my account closed. Before my account closed, I took out a loan for {$100.00} and agreed to pay {$35.00} per month until balance is paid in full. While my account was open, I was able to transfer the payment for the loan. After closing my account, I was never given the option to make the payments, I never received a statement or a phone call, but I was reported to the credit bureau for being 30 days late but have no option to pay unless my account is reopened and I was advised it can't be reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: GA

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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