vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: OR

Complaint narrative:
This CFPB complaint is also a formal request for debt validation to Eastern Account System under the Fair Debt Collection Practices Act ( FDCPA ) and a dispute of the accuracy and completeness of the account under the Fair Credit Reporting Act ( FCRA ). My attached letter outlines the documents required to lawfully validate the alleged debt, including the original signed agreement, proof of ownership or assignment, the purchase or transfer agreement, and a complete accounting of the balance. To assess the legal standing and enforceability of this debt, I have also requested the following : The Date of First Delinquency ( DOFD ), as recorded by the original creditor and used to determine default and charge-off status. The date the account was charged off. The date the account was acquired or assigned to Eastern Account System, along with any documentation confirming the nature of the transfer. This submission is being made through the CFPB portal to ensure the request is properly documented, delivered, and subject to regulatory oversight. Please ensure that all items outlined in the attached letter are addressed in full including the full set of 10 FDCPA and FCRA validation and verification requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 explanation
Consumer complaint received 2026-05-04 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: FL

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
Regarding mortgage with NewRez, XXXX # XXXX I changed insurance companies last year and started making insurance premium payments directly to them for the balance of XXXX. They continued to bill me in XXXX so at the beginning of XXXX I reached out to NewRez, my mortgage company, to find out why they weren't paying my insurance from my escrow. At this point I discovered that they also hadn't paid my property taxes since XX/XX/XXXX. I never missed a payment... ever. They continued to bill me throughout XXXX through XX/XX/XXXX for escrow even though they had ceased paying my property tax and insurance. I requested information regarding why they had stopped paying and they couldn't give me an answer. I requested that the balance of my escrow be sent to me so I can pay my property taxes and they agreed to do so. XX/XX/XXXX - I called my county tax dept to determine how much is owed and discovered that I also have penalties that have been incurred due to late payment XX/XX/XXXX - I called to inquire about the check for my escrow and was told that it was mailed on XX/XX/XXXX XX/XX/XXXX - still had not received the check. Called again and again asked why my taxes weren't paid, still no reason given. I explained that I still haven't received the check and asked where it was mailed from. Neither XXXX ( customer service ) nor XXXX ( manager ) could give me that information. XX/XX/XXXX - still no check. Called again to see if they could stop payment on the check and deposit my escrow electronically to me. Was told no. XXXX - still not check.

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 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
b'Dear Sir or Madam:\n\nMy name if XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a long time friend of mine, XXXX XXXX cel XXXX XXXX XXXX XXXX XXXX texted me through XXXX during the day and told me that she had an Emergency and that her Zelle was temporarily frozen and that it would be reactivated by XXXX XXXX She asked me to, in an emergency basis, to assist her by sending XXXX which I did to: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnand that she would send (return) it back to me by XXXX XXXX. After I did, she also said if I could send some more money to a second person by my Zelle rejected because it was higher than my Zelle limit, and Zelle told I could only send an additional XXXX, when I told her, then she told me to send my XXXX Zelle balance to: XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. For a complete total of XXXXWhen the time to refund me came at XXXX XXXX she did not refund, but being my long time friend I gave her more time, but when it was already a little over XXXX XXXX I called her, and when I told/asked her she started to say almost crying OHH my God, they did it to you too, and told me that her XXXX account had been Hacked and that most of her XXXX connections had been contacted asking for money.\n\nI reported it to XXXX XXXX but they were not able to assist me.\n\nI am respectfully requesting your assistance to get a refund from the Institution that has that persons XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am filing a complaint against [ National Credit Systems ] regarding their failure to properly validate an alleged debt and their continued reporting of this unverified account on my credit report. This account is related to a lease obligation that I dispute. I formally requested validation of this debt, including documentation sufficient to establish that the debt is accurate and that I am legally responsible for it. However, the collection agency failed to provide adequate validation. Specifically, they did not provide : * A copy of the original lease agreement bearing my signature * A complete and itemized statement of charges * Any invoices, receipts, or documentation supporting alleged damages * Proof that the charges claimed are legitimate or that they are authorized to collect this debt Despite failing to provide proper validation, the company continues to report this account to the credit bureaus and/or attempt collection. This conduct appears to violate the Fair Debt Collection Practices Act, which requires debt collectors to provide meaningful validation of a disputed debt, and the Fair Credit Reporting Act, which requires that only accurate and verifiable information be reported. I am requesting that this matter be investigated and that the collection agency be required to : 1. Provide full and proper validation of the alleged debt, or 2. Immediately cease collection efforts and request deletion of this account from all credit reporting agencies I have documentation supporting my request for validation and the insufficient response provided. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: CA

Complaint narrative:
On XX/XX/year>, I submitted a written credit balance refund request to XXXX for {$5000.00} via their in-app messaging. All disputes tied to this balance were resolved in my favor by XX/XX/year>. Under the Fair Credit Billing Act, XXXX was required to refund my credit balance within 7 business days of my written request a deadline of approximately XX/XX/year>. It is now XX/XX/year> and I have not received my refund. I contacted XXXX on XX/XX/XXXX and was told to wait until XX/XX/XXXX. I called again on XX/XX/XXXX1 and was told there was an 'ongoing dispute hold ' however my dispute dashboard shows all cases closed in my favor since XX/XX/XXXX with XXXX open disputes. This was a false statement. I called again today XX/XX/XXXX and was told to wait until XX/XX/XXXX. XXXX has now missed their legal obligation by over 3 weeks and continues to provide false information and push back deadlines.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I initiated an ACH transfer for {$1000.00} from my XXXX XXXX XXXX account to my Citi Bank account ( same account holder ). XXXX XXXX XXXX has already deducted the funds from my account, but Citi Bank is holding the transfer and indicating it will take 4 days for the funds to be available.

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 2026-05-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
CAP ONE NA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT RE : Unauthorized Credit Inquiries Dear Fraud Department, My name is XXXX XXXX. This is the accurate spelling of my name. I was born in XX/XX/XXXX and my social security number is XXXX. I write today to request an identity theft block and inquiry freeze because someone has been attempting to open accounts in my name without my permission or knowledge. Here is a complete list of all the fraudulent credit pulls XXXX XXXX Company Name DATE OF INQUIRY XXXX CAP ONE NA XXXXXX/XX/XXXX Unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
We purchased solar panels through XXXX XXXX with the promise that the panels would produce which they have not. Its been four years and weve been paying a high electric bill and they refuse to fix the problem. We have XXXX solar panels that are not working and an inverter that needs to be replaced and they give me the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I am a former borrower whose loan was serviced by Mr. Cooper. Mr. Cooper issued an escrow refund check dated XX/XX/XXXX in the amount of {$4100.00}, which was never cashed. The loan was subsequently paid off in XX/XX/XXXX due to the sale of the property. I have been unable to resolve this issue through normal customer service channels. Phone calls do not allow me to reach a representative, and the online message center states that my messages can not be delivered. I am requesting that Mr. Cooper research the uncashed escrow refund and either : Void and reissue the check, or Provide written confirmation that the funds were remitted to a state unclaimed property program, including the state, reporting name, and remittance year/date.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting on an account originally owed to XXXX XXXX and placed with a collection agency ( Conserve/ConServe ARM ). I paid the full balance in full, including any collection fees, on [ DATE ] directly to the original creditor. Despite this, TransUnion is reporting the account as settled for less than full balance, which is incorrect, and Equifax has not updated the account to reflect a {$0.00} balance/paid status. The reporting is inaccurate and inconsistent across bureaus. I have already disputed these errors, but they remain unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
This card has been paid off and closed, however it is negatively impacting my credit. XXXX/COMENITY/MYPOINTSRWD POTENTIALLY NEGATIVE XX/XX/XXXX, XXXX XXXX Annual Credit Report - XXXX XXXX XXXX XXXX XXXX XXXX Account Info Account Name XXXX/COMENITY/MYPOINTSRWD Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Closed. {$700.00} written off. Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Recent Payment Monthly Payment {$0.00} Credit Limit {$350.00} Highest Balance {$700.00} Terms Payment History Payment history guide Charge Off as of XX/XX/XXXX Contact Info Address XXXX XXXX XXXX, XXXX OH XXXX Comment Current : Purchased by another lender. Previous : None XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime has repeatedly emailed me letting me know I still have funds in my account and to come back and use them. Because I left chime due to another incident with chime giving me a provisional credit them taking it back. Cause me to overdraft and not be able to pay a bill. I added funds to my chime checking, because again chime has sent several Emails that I have money in my account. Well I added the funds to my checking account and for credit builder, which has been paused. And they moved my money to credit builder account I didnt deposit my funds to. I am Currently on the phone with chime, they are flat out saying they didnt send these emails! And wont move my money back, when this was the funds for me and my baby to move and put a roof over our head. If they hadnt sent the email I wouldnt have put the funds there!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Bilt Technologies, Inc.
State: PA

Complaint narrative:
I had submitted a payment through Bilt for my rent fees on XX/XX/XXXX. There was an error in the payment and I was told to submit the payment again. I was told that they would not double charge me, and was promised nothing would happen but it has double charged me for {$200.00}. I cant afford to be out or {$200.00}. Ive reached via support chat and their inactive phone number but I havent received an answer back. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX Email : XXXX Last XXXX SSN : XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX Subject : Complaint Regarding Federal Student Loan Servicing Practices and Loss of Forgiveness Eligibility Dear Sir or Madam : I am submitting a formal complaint regarding the servicing of my federal student loans over several decades, which has negatively impacted my ability to qualify for loan forgiveness. My federal student loans originated in approximately XXXX, and I entered repayment around XX/XX/XXXX. Despite being in repayment for nearly 30 years, I was not properly informed of income-driven repayment ( IDR ) options for a significant portion of that time. Instead, I was repeatedly placed into forbearance and deferment by multiple loan servicers, including XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and currently Aidvantage. These actions resulted in significant interest capitalization, substantial balance growth, and a loss of time that could have counted toward forgiveness. I was not adequately informed of IDR or Income-Contingent Repayment ( ICR ) options until much later, nor was I informed that participation required annual recertification. As a result, I lost substantial progress toward forgiveness eligibility. My current repayment status shows that I qualify for income-driven repayment at a minimal or effectively {$0.00} payment level. Since late XXXX, my payments have reflected this status, yet interest continues to accrue while little or no principal is reduced. This demonstrates that I likely would have qualified for IDR much earlier, but was instead directed into repeated forbearance, which did not count toward forgiveness and increased my loan balance. Due to these servicing XXXX XXXX XXXX XXXX, my loan balance has grown to over {$140000.00} despite decades in repayment. I am requesting the following resolution : 1. A full review and audit of my loan servicing and repayment history 2. Retroactive credit toward IDR forgiveness for time spent in repayment and extended forbearance 3. A determination of my eligibility for loan forgiveness based on my repayment timeline 4. Review of whether servicer actions or lack of proper guidance caused financial harm and loss of borrower benefits These issues reflect a failure by loan servicers to provide accurate, timely, and complete information regarding repayment options. This lack of guidance has resulted in long-term financial harm and the loss of significant borrower protections. Thank you for your time and consideration. I respectfully request a written response outlining the findings and any corrective actions. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation