vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
am submitting this complaint regarding inaccurate and fraudulent information being reported on my credit file by the credit reporting agencies. 

On XX/XX/year>, I mailed formal identity-theft dispute letters to the credit bureaus and multiple creditors regarding accounts opened using my personal information without my authorization. XXXX XXXX has acknowledged receiving my dispute, and more than 30 days have now passed since the disputes were submitted. 

Despite the required investigation period under the Fair Credit Reporting Act ( FCRA ), the credit bureaus continue to report fraudulent accounts without providing verification documentation. 

I also filed an Identity Theft Report with the Federal Trade Commission. 

FTC Identity Theft Report Number : XXXX The following accounts remain on my credit report despite being disputed : XXXX XXXX ( account ending in XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, multiple inaccurate and outdated addresses remain on my credit profile that are associated with fraudulent activity. Some of these addresses date back to when I was a minor and are not valid addresses connected to my adult credit history. 

I am requesting the following actions immediately : Removal of all fraudulent accounts listed above Removal of inaccurate addresses associated with fraud Written confirmation that these items have been deleted An explanation of how these accounts were verified without documentation The continued reporting of unverified fraudulent accounts is causing ongoing financial harm. 

I am requesting CFPB assistance to ensure compliance with the Fair Credit Reporting Act. 

Consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2026-02-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: PA

Complaint narrative:
I asked them to show me proof of information that this is mines.i never had any idea that this account is mines this account was open up fraudulent

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 2026-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
" I am filing this formal dispute regarding a XXXX  account currently being reported by Credence Resource Management , LLC. Although the account number is not fully listed on my credit report, the company can identify the account using my name and the Social Security Number provided in my attachments. 
The balance of {$1500.00} currently being reported is factually inaccurate. This was a 'Bring Your Own Device ' ( BYOD ) account. I provided my own phone and never purchased, leased, or received any equipment from XXXX. My records indicate a final service-only balance of approximately {$1000.00}. 
The additional {$480.00} being reported appears to be unauthorized equipment fees or unreturned device charges. Since no equipment was ever issued to me, these charges are a misrepresentation of the debt under the FDCPA. 
Under 15 U.S.C. 1692g, I am formally demanding : An itemized ledger showing the breakdown of service fees vs. any added fees. 
A copy of the original service contract proving this was a BYOD account. 
I am requesting that Credence Resource Management immediately mark this account as 'Disputed ' and delete the trade-line if they can not provide documentation proving the accuracy of the {$1500.00} balance. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX SSN : XXXX Date : [ XX/XX/year> ] To Whom It May Concern, This letter serves as a second notice regarding accounts you continue to report despite my prior dispute. 

Your response failed to provide competent documentary evidence required under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ). A generic statement that a balance is owed does not constitute a reasonable investigation. 

You have now continued reporting after notice, which elevates this matter from a dispute to willful noncompliance. 

I demand the following within 15 days : XXXX. Written explanation of how your investigation was conducted XXXX. Identification of the human investigator assigned ( not automated systems ) XXXX. Copies of original account-level documents relied upon XXXX. Proof the information was independently verified, not merely confirmed internally Failure to produce this information constitutes admission that no reasonable investigation occurred. 

If compliance can not be demonstrated, immediate deletion is required to mitigate damages. 

This notice preserves all rights and remedies. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Subject : Complaint Regarding Appraisal Fee Rocket Mortgage. 

I am filing a complaint regarding Rocket Mortgage and a {$690.00} appraisal fee I paid during a mortgage application process. I paid the {$690.00} fee that I was told I will get back after closing ; however, the loan was never finalized or approved. 
My concerns are as follows : 1. The loan did not close, so the appraisal and rate lock was never used to complete a transaction.

2. I fulfilled all borrower requirements, provided all documentation, and acted in good faith.

3. Rocket offered me a lower rate compared to XXXX and promised me that the appraisal money and the rate lock amount will be returned after closing and this is not what XXXX company should have charged me for, however Rocket Mortgage is declining to return the money now that the loan did not close. 
4. I requested documentation showing the clause that authorizes keeping the fee, but I have not received a satisfactory response. I am requesting the CFPBs assistance in reviewing this matter and determining whether Rocket retention of the {$690.00} fee is compliant with federal consumer protection guidelines. 
Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: FL

Complaint narrative:
This account appears on my credit report due to an error in reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: C.Tech Collections, Inc.
State: IN

Complaint narrative:
I spoke to the agency on XX/XX/year> and requested that they speak with my mom regarding the old medical debt that I was under their insurance for. My mom called them on XX/XX/year> and spoke with someone and asked to have my number removed and let them know we dispute the debt, they told her she had to speak with a specific person and sent her to their line they did not answer so she had to leave a XXXX on the XXXX she stated that we disputed the debt and that they needed to call her and left her phone number and our address for them to send verification to. They continue to call me on XX/XX/year> my mom attempted to call them again and was sent directly to voicemail. This balance is not owed I had medical insurance and my XXXX  insurance should have covered the rest and they required i go to that specific hospital according to my RA at the time. I have never been given verification of what the debt is even for or what I'm being charged for. This debt was incurred over 4 years ago and I still cant get verification and they have continued to contact me after they were requested not to. This is harassment with calls and text messages. When i try to go to the website they give over the phone while you are hold it says that the site is not private and my browser wont let me go to the site.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
received a response from XXXX saying they were looking into this Capital One CID : XXXX CFPB Complaint ID : XXXX on XXXX XXXX  I reached out to XXXX a dozen times, conveniently she was not at work and has not bothered to return any of my calls as of XX/XX/year> I called capital one again and spoke to many different agents and supervisors who all repeat the same thing- with out ID they can not add a external account and they will not add my phone number. Once again i went through the long story of telling them I have no ID as it has been lost/ stolen they continue to say they will send out a check- and I have told them the only way to send out a check is to put it in my daughters name because she has id and I do not. 
this has been going on far to long, now this is theft of over XXXX, XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: OH

Complaint narrative:
Wont let me order my business account card for 6 months and they sent my payroll back and is holding it. For over a week. I trusted this company. But the abuse bc I trusted them with my payroll now Im out almost XXXX and cant get to work in a whole other state I dont love in and cant pay my hotel

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
THIS ACCOUNT IS BEING REPORTED WITH INACCURATE INFORMATION AND CONTINUES TO SHOW LATE PAYMENTS THAT DO NOT REFLECT THE TRUE STATUS OF THE ACCOUNT. THE PAYMENT HISTORY IS INCORRECT AND MISLEADING, CAUSING UNNECESSARY DAMAGE TO MY CREDIT PROFILE. I AM FORMALLY DISPUTING THESE ERRORS AND REQUEST THAT THE ACCOUNT BE INVESTIGATED AND UPDATED TO REFLECT ACCURATE INFORMATION OR REMOVED IF IT CAN NOT BE VERIFIED.

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 2026-02-09 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: MI

Complaint narrative:
THIS ACCOUNT IS BEING REPORTED WITH INACCURATE INFORMATION AND CONTINUES TO SHOW LATE PAYMENTS THAT DO NOT REFLECT THE TRUE STATUS OF THE ACCOUNT. THE PAYMENT HISTORY IS INCORRECT AND MISLEADING, CAUSING UNNECESSARY DAMAGE TO MY CREDIT PROFILE. I AM FORMALLY DISPUTING THESE ERRORS AND REQUEST THAT THE ACCOUNT BE INVESTIGATED AND UPDATED TO REFLECT ACCURATE INFORMATION OR REMOVED IF IT CAN NOT BE VERIFIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: GA

Complaint narrative:
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally requested full validation of the alleged debt on XXXX XXXX through certified mail. I responded to please provide the following documentation to verify that this debt is accurate, enforceable, and legally owed by me : 1. Proof of Ownership A complete copy of the bill of sale or assignment agreement from XXXX XXXX XXXX XXXX showing that Midland Credit Management XXXX XXXX purchased and now owns the specific debt referenced above. 
2. Full Accounting A detailed statement showing how the amount of {$8800.00} was calculated, including the breakdown of principal, interest, and fees from inception to present. 
3. Original Contract or Agreement A copy of the original signed credit agreement or account application bearing my signature. 
4. Payment History All account statements or records from XXXX showing all charges, payments, and interest applied. 
5. Verification of Authority Documentation showing that you are licensed to collect debts in the State of Georgia. 
6. Verification of Reporting Confirmation of whether this account has been, or will be, reported to any credit reporting agencies, and if so, the date of such reporting. 
Please note that until this information is provided and the debt is properly validated, you must cease all collection activity, including phone calls, letters, and credit reporting. Reporting or attempting to collect an unverified debt is a violation of federal law. 
This letter is not an admission of liability or ownership of the alleged debt. I am simply exercising my rights under the FDCPA to request full validation. 

No one responded

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: UPGRADE, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I requested account balance verification and/or transaction history for my personal loan for the period of XXXX through XX/XX/XXXX. This documentation is required for court-ordered financial disclosure. 
On XX/XX/XXXX, after not receiving the requested documentation, I followed up and attached a prior balance verification document that Upgrade had generated for me in XX/XX/XXXX. I explained that I was requesting the same type of documentation for additional months in XXXX and clarified that I was not requesting paper statements. 
Upgrade responded that they can not send paper statements. I reiterated that I was requesting alternative documentation such as a balance verification letter, transaction history, or servicing ledger reflecting monthly balances. 
On XX/XX/XXXX, Upgrade responded that they were unable to assist through email and directed me to call their toll-free number, declining to provide written clarification regarding the requested records. 
I requested written confirmation of whether Upgrade maintains transaction and balance records for XXXX XXXX and clarification of their record-retention position. Upgrade declined to respond in writing. 
I am requesting access to my own loan servicing and balance records for XXXX XXXX in any available format, or written confirmation explaining why such records can not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One placed my XXXX credit card on a fraud hold following a sequence of legitimate payments that triggered their internal system, and the issue has not been reasonably resolved despite extensive effort on my part. 

Specifically : I initially made a payment from a Capital One checking account that had insufficient funds, and the payment was returned. 
I then made a successful payment from my usual personal bank account. 
I subsequently made a payment from my business bank account, which Capital One had seen only once or twice previously.

After this, my card was placed on a fraud hold. I was informed that Capital One needed to verify ownership of the bank accounts used for payment. 
I promptly submitted documentation proving that I own the relevant accounts. 

Despite this, Capital One is now insisting on a live three-way call with my bank to verify account ownership. This requirement is not feasible because my business bank ( XXXX ) does not offer three-way verification calls. The result is just never ending hold. 

Core problem There is no functional escalation path to resolve this issue : Front-line customer service can not resolve fraud holds. 
The fraud or bank verification team above the customer service team also can not speak to decision makers. 

No one I can reach has the authority to make or reverse the decision. 

I am unable to speak with anyone who can explain what fraud is actually suspected or what alternative verification would be acceptable. 

I am effectively stuck in an infinite loop where : Capital One requires a verification method that can not be performed, refuses to accept the proof already submitted for a problem of their own manufacturing. 
Most importantly, provides no access to a decision-maker. 

Why this is unreasonable Using multiple accounts to pay a credit card is not fraud. 
Even if an account were not owned by me, having permission to pay from an account is not fraud, and in my case I do own the accounts and provided documentation.

Capital One has not clearly articulated what fraudulent activity is suspected.

Capital One is imposing an inflexible verification process with no fallback and no escalation path.

Harm caused : Inability to access my credit card Repeated time loss across many phone calls Cancelation of a number of services that had this card on file Significant frustration and disruption

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
There was a GetXXXX bonus offered by Ally during last Fall to Winter Season XXXX. I opened my account XX/XX/year>. I subsequently met their requirements of depositing {$1000.00} every month for two months. I deposited the first {$1000.00} in XXXX total. I deposited the second {$1000.00}, and then some, in XXXX. These were qualifying direct deposits from my employer. They were supposed to deposit a {$300.00} bonus on their end in kind 30 days after the 90-day period for depositing on my end ended. Since I opened this account on XX/XX/year>, they told me it would be 30 days after XX/XX/XXXX. Those 30 days have definitely passed. I followed up with them today and they gave me the same runaround. " Someone is looking into it and it will be 30 to 35 business days ''. I believe they are delaying the bonus as much as possible to avoid paying it out due to high customer volume for opening new accounts. They notably ended the promotion early on XX/XX/XXXX, 3 days after I opened my account with their promotional code. So clearly in that time, they saw a major volume uptick.

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 2026-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: WA

Complaint narrative:
I requested a refund of a payment ( {$40000.00} ). I requested this refund because this payment was made when my account was placed in SAVE and subsequently put into forbearance without my consent and therefore would not count towards my PSLF. It is a huge payment that, understandably, I needed to count towards future payments. When they said it wouldn't, I requested a refund on XX/XX/XXXX. I was told the refund would take 90-days to fully process. 90-days came and went, then they said 90-business days. This also came and went. Then they said, we've escalated this problem which resets the clock, so now, as of XX/XX/XXXX it will be another 90 days. They are purposefully withholding my refund. I do not know if the problem is with treasury or Mohela- they blame each other. I requested this refund nearly 7 months ago. It is within my rights to request a refund. They agreed to refund me this payment, but as of today, no refund has been received.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Ive been trying to close my account now for two weeks. Paid everything I owed them off. Then they hit me with limitations. Fixed that then I had accounts linked to it. Fixed that. Then they said their system wasnt letting it happen. So I escalated and been given cold shoulder. I just need to close this account. They keep dragging their feet.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: OK

Complaint narrative:
I am disputing a rental debt being collected by RentDebt.com. The agency has repeatedly changed the balance owed and is attempting to collect amounts not properly validated. 

I was initially quoted a balance of approximately {$3900.00}. The agency later increased the balance to approximately {$5900.00}, stating that a court order fee had been added. When I requested documentation, RentDebt provided only a property-generated Final Account Statement, which is not a court order, judgment, or docket.

RentDebt has not provided : A copy of any court judgment or court order The court name, case number, or judgment date Documentation authorizing the added fees under Texas law Additionally, RentDebt stated that it would not provide proof or receipts for partial payments unless the account was paid in full, which misrepresents consumer rights and creates risk of misapplication of payments.

I have disputed the unvalidated portion of the balance in writing and requested proper validation. Despite this, RentDebt continues to assert inflated balances without proof.

Company response to consumer: Closed with explanation